Privacy Policy
Prepared Legacy Group
Effective Date: May 15, 2025
At Prepared Legacy Group, your privacy is important to us. This Privacy Policy explains how we collect, use, share, and protect your personal information as part of providing insurance and financial services. We are committed to safeguarding your information in accordance with applicable laws and industry standards.
We provide this notice when we begin doing business with you, upon request, and as required by law.
1. What Information We Collect
We collect nonpublic personal information—also called Customer Information—which identifies you and is not publicly available. This includes:
Information You Provide to Us
• Name, address, phone number, email
• Date of birth, gender, Social Security number
• Health history, lifestyle information, family information, beneficiary details
• Financial details, such as income or employment
•Bank information such as account numbers and routing numbers
Information We Collect Automatically
• IP address, browser/device data
• Website usage data via cookies or analytics tools
Information from Other Sources
• Licensed agents and affiliates
• Public records or consumer reporting agencies (as permitted by law)
•Marketing companies and organizations
2. How We Use Customer Information
We use your information to:
• Provide life insurance quotes, applications, and service updates
• Communicate with insurance providers and financial institutions on your behalf
• Verify your identity and eligibility
• Offer you other financial or insurance products
• Improve our services, website experience, and communications
• Comply with legal or regulatory requirements
3. How We Share Customer Information
We do not sell your personal information.
We may share your information under the following circumstances:
• With Prepared Legacy Group agents or representatives to serve your needs
• With insurance carriers to obtain quotes or underwrite policies
• With service providers that perform functions on our behalf (e.g., CRM systems, marketing tools)
• With government agencies or regulators as required by law
• In connection with a business transfer, such as a merger or acquisition
We do not allow third parties to use your information for their own marketing purposes.
4. Our Commitment to Your Privacy
• We maintain physical, electronic, and procedural safeguards to protect your data.
• Only authorized personnel have access to your information.
• We handle your information with the same care whether you’re a current, former, or prospective customer.
5. Your Privacy Rights
You may have the right to:
• Access or correct your personal information
• Request deletion of certain data, subject to legal obligations
• Opt out of marketing communications
• Request limitations on how we use or share your data (as permitted by law)
To exercise these rights, please contact us using the information below.
6. Children's Privacy
Our services are not intended for individuals under the age of 18, and we do not knowingly collect information from minors.
7. Changes to This Policy
We may update this Privacy Policy periodically. Any changes will be posted on this page with a revised effective date.
8. Contact Us
If you have questions or wish to make a privacy request, contact us at:
Prepared Legacy Group
(540) 701-3088
Last updated: May 15, 2025
Terms of Service
Prepared Legacy Group
Effective Date: May 15, 2025
These Terms of Service ("Terms") govern the use of the website, communications, and services provided by Prepared Legacy Group ("we," "us," or "our"). By submitting your information through our forms or engaging with our services, you agree to these Terms.
1. Use of Our Services
Our services are intended to help individuals obtain information, quotes, and introductions to third-party insurance and financial products. You agree to use our services only for lawful purposes and in accordance with these Terms. You may not:
• Provide false or misleading information
• Attempt to disrupt or misuse our systems
• Use our services for commercial solicitation without written permission
We reserve the right to restrict or terminate access to our services if we determine misuse or a violation of these Terms.
2. No Guarantee of Coverage or Advice
Information provided by Prepared Legacy Group is for general informational purposes only and does not constitute legal, tax, investment, or financial advice. All quotes, product details, and eligibility requirements are subject to the terms of the respective insurance or financial provider.
We do not guarantee that any specific insurance or financial product will be available or suitable for your needs.
3. Communications and Consent
By submitting your information through our website, you consent to be contacted by Prepared Legacy Group by phone, email, or text message. These communications may include marketing content related to insurance and financial products. Message and data rates may apply.
You may opt out at any time by following the unsubscribe instructions in our emails or replying STOP to SMS messages.
For more information, please review our Privacy Policy.
4. Intellectual Property
All content on our website, including text, images, graphics, and branding elements, is the property of Prepared Legacy Group or its licensors. You may not reproduce, republish, or distribute this content without our prior written consent.
5. Limitation of Liability
Prepared Legacy Group shall not be held liable for any indirect, incidental, special, or consequential damages resulting from the use or inability to use our services or website. We make no representations or warranties as to the accuracy or completeness of any content provided.
6. Third-Party Services and Products
We connect customers with products offered by third-party providers. All decisions regarding applications, underwriting, pricing, and terms are made by the third-party providers, not Prepared Legacy Group.
We are not responsible for the performance or decisions of any third-party providers.
7. Governing Law
These Terms shall be governed by the laws of the State in which Prepared Legacy Group is primarily headquartered, without regard to conflict of law principles.
Any disputes shall be handled in the state or federal courts within that jurisdiction.
8. Changes to These Terms
We may update these Terms of Service from time to time. Updates will be posted on this page with a new effective date. Continued use of our services constitutes acceptance of the updated Terms.
9. Contact Us
If you have questions or concerns about these Terms, please contact us at:
Prepared Legacy Group
(540) 701-3088
Last updated: May 15, 2025