TERMS & CONDITIONS

Effective Date: 3/31/2026
Website: mylegacyeffect.org

Welcome to The Legacy Effect. By accessing this website, you agree to the following terms:

1. Use of Website

This website is intended for:

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Informational purposes
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Scheduling consultations
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Requesting legacy planning services
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You agree not to:

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Use the site for unlawful purposes
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Misrepresent your identity
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Attempt to breach security
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2. No Financial or Legal Advice

The information provided is for educational and informational purposes only and does not constitute:

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Legal advice
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Financial advice
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Tax advice
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You should consult a licensed professional for specific guidance.

3. Insurance & Benefits Disclaimer

Coverage is subject to underwriting approval

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Not all applicants will qualify
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Benefits vary by provider and eligibility

4. Appointment & Communication Policy

By booking or submitting your information:

You agree to be contacted by a licensed advisor

You understand consultations may be conducted virtually

You acknowledge timely responses are required to maintain active status

5. Intellectual Property

All content on this website, including:

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Branding
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Text
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Graphics
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Materials
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are the property of The Legacy Effect and may not be copied without permission.

6. Limitation of Liability

We are not liable for:

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Any direct or indirect damages
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Decisions made based on website information

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Delays or interruptions in service
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7. Third-Party Services

We may use third-party platforms (e.g., scheduling tools, communication tools).
We are not responsible for their policies or actions.

8. Termination of Access

We reserve the right to restrict or terminate access to the site for any misuse.

9. Governing Law

These terms are governed by the laws of the United States and applicable state laws.

10. Changes to Terms

We may update these Terms at any time. Continued use of the site constitutes acceptance of those changes.

11. Contact Information

The Legacy Effect
Email: joleencerteza@aoglobelife.com
Phone: 414-713-0135

TCPA / COMMUNICATIONS COMPLIANCE DISCLAIMER

By providing your phone number and submitting your information on mylegacyeffect.org, you expressly consent to be contacted by The Legacy Effect, its licensed agents, representatives, or affiliated partners.

1. Consent to Contact

You agree to receive communications via:

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Phone calls
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Text messages (SMS/MMS)
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Email
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These communications may include:

Appointment scheduling and confirmations

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Follow-ups regarding your request
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Benefit and eligibility reviews
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Information related to insurance and legacy planning services

2. Automated Technology Disclosure

You acknowledge and agree that:

Calls and text messages may be sent using automated dialing systems, prerecorded messages, or artificial voice technology where permitted by law

Consent is not a condition of any purchase

3. Message Frequency & Charges

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Message frequency may vary
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Message and data rates may apply depending on your mobile carrier

4. Opt-Out Instructions

You may opt out at any time by:

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Replying STOP to any text message
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Contacting us directly at [Insert Email/Phone]

After opting out, you may receive a final confirmation message.

5. Do Not Call Compliance

We respect your privacy and comply with applicable Do Not Call (DNC) regulations.

If you request to be placed on our internal Do Not Call list, we will honor your request promptly.

6. Data Sharing for Communication

Your contact information may be shared with:

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Licensed agents
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Service providers assisting with communication and scheduling

This is solely for the purpose of fulfilling your request.

7. No Guarantee of Coverage

Consent to be contacted does not guarantee:

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Insurance approval
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Eligibility for benefits
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Specific coverage outcomes
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All services remain subject to underwriting and qualification.