Leverson Legacy Insurance – Terms of Service

Title: TERMS OF SERVICE
Last updated: November 17, 2025

Leverson Legacy Insurance, LLC

Welcome to Leverson Legacy Insurance (“LLI,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website located at https://leversonlegacy.com and any related pages, content, forms, or services we make available online (collectively, the “Site”).

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the site.

1. Who We Are

Leverson Legacy Insurance, LLC is an independent insurance agency that helps individuals and families explore and enroll in various insurance products, including but not limited to:

• ACA Marketplace health plans (via HealthCare.gov and other exchanges)
  
  
• Medicare Advantage, Medicare Supplement, and Prescription Drug Plans (where licensed)
  
  
• Stand-alone vision and dental plans
  
  
• Life insurance and related products
  
  

We are licensed in one or more U.S. states. Availability of products and services may vary based on your state of residence and our current licenses and carrier appointments.

2. No Guarantee of Coverage or Eligibility

Information provided on the Site is for general educational purposes only. It does not:

• Guarantee that you qualify for any specific plan, subsidy, discount, or rate;
  
  
• Guarantee that any particular product will be available to you;
  
  
• Replace the official rules or determinations of government agencies (such as the Centers for Medicare & Medicaid Services, HealthCare.gov, or state Medicaid agencies) or private insurance carriers.
  
  

All insurance applications are subject to the terms, conditions, underwriting, and approval of the relevant insurance carrier or government program.

3. No Legal, Tax, or Financial Advice

The Site and any information you receive from us through the Site (including blog posts, resources, FAQs, and general educational content) are not intended as legal, tax, financial, or medical advice.

You should always consult with:

• A qualified attorney for legal questions
  
  
• A tax professional for tax questions
  
  
• A financial professional for investment or finance questions
  
  
• A licensed medical professional for medical advice
  
  

4. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable law or regulation
  
  
• Attempt to gain unauthorized access to any part of the Site, server, or network
  
  
• Upload or transmit viruses, malware, or any harmful code
  
  
• Use automated means (bots, crawlers, scrapers) to access or copy the Site without our prior written permission
  
  
• Impersonate any person or entity, or misrepresent your affiliation with us or others
  
  

We may suspend or terminate your access to the site if we believe you are violating these Terms or using the Site in a harmful or unlawful way.

5. No Agent–Client Relationship Created by Browsing

Simply visiting or using this Site, reading our content, or submitting a general contact form does not in itself create an agent–client relationship or any obligation for us to represent you.

An agent–client relationship is generally established when:

• You choose to work with one of our licensed agents,
  
  
• You provide the necessary information, and
  
  
• We actively assist you with an application, enrollment, or policy service.
  
  

We reserve the right to decline to provide services or to work with any prospective client, as allowed by applicable law.

6. Third-Party Websites and Links

The Site may contain links to third-party websites, tools, or resources, including but not limited to:

• HealthCare.gov and other ACA Marketplace/exchange sites
  
  
• Insurance carrier websites
  
  
• Scheduling platforms, forms, and external resources
  
  
• Community resource guides and other informational sites
  
  

These links are provided for convenience and informational purposes only. We do not control and are not responsible for the content, policies, or practices of any third-party site. Accessing third-party sites is at your own risk.

7. Intellectual Property

All content on the Site—including logos, graphics, text, images, videos, documents, and other materials—is owned by or licensed to Leverson Legacy Insurance, LLC and is protected by copyright, trademark, and other intellectual property laws.

You may:

• View the Site and print/download content for your personal, non-commercial use.
  
  

You may not:

• Copy, reproduce, distribute, modify, or create derivative works from Site content without our prior written permission;
  
  
• Use our name, logo, or branding in a way that suggests sponsorship or endorsement without our explicit authorization.
  
  

8. User Submissions & Content You Provide

If you submit any information through the Site (such as contact forms, quote requests, intake forms, or uploaded documents), you represent and warrant that:

• The information you provide is accurate and complete to the best of your knowledge;
  
  
• You have the right to share that information;
  
  
• You will not submit unlawful, fraudulent, or harmful content.
  
  

We reserve the right (but are not obligated) to remove or reject any content or information we deem inappropriate, inaccurate, or in violation of these Terms.

9. Electronic Communications & Consent to Be Contacted

By using the Site and submitting your contact information, you agree that we may contact you by:

• Phone (including calls using an automatic telephone dialing system or prerecorded voice, where permitted)
  
  
• SMS/text message
  
  
• Email
  
  
• Other electronic means
  
  

for purposes such as:

• Responding to your inquiries
  
  
• Providing quotes or information about insurance products
  
  
• Appointment reminders and follow-ups
  
  
• Service updates and related communications
  
  

You can opt out of marketing texts or emails at any time by following the instructions in the message (such as replying “STOP” to a text where applicable, or using the unsubscribe link in an email). However, we may still contact you with important non-marketing or transactional information related to your existing policies or required notices.

Standard message and data rates may apply for SMS.

10. Disclaimers of Warranties

The Site is provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including:

• Any warranty that the Site will be uninterrupted, secure, or error-free
  
  
• Any warranty regarding accuracy, completeness, or reliability of any content on the Site
  
  
• Any implied warranties of merchantability, fitness for a particular purpose, or non-infringement
  
  

Your use of the Site is at your own risk.

11. Limitation of Liability

To the fullest extent permitted by law, Leverson Legacy Insurance, LLC, its owners, officers, employees, agents, and affiliates will not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages, or
  
  
• Loss of profits, data, or goodwill
  
  

arising out of or in connection with your use of (or inability to use) the Site, even if we have been advised of the possibility of such damages.

In any case, our total liability to you for any claim related to the Site shall not exceed one hundred dollars (US $100) or the amount you paid us for services through the Site, if any, whichever is greater.

Some jurisdictions do not allow limitations on certain damages, so some of the above limitations may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless Leverson Legacy Insurance, LLC and its owners, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use or misuse of the Site;
  
  
• Your violation of these Terms; or
  
  
• Your violation of any rights of another person or entity.
  
  

13. Governing Law; Venue

These Terms and your use of the Site are governed by the laws of the State of Florida, without giving effect to conflict of law principles.

Any dispute arising from or relating to these Terms or the Site shall be brought exclusively in the state or federal courts located in or serving [INSERT COUNTY], Florida, and you consent to the jurisdiction and venue of such courts.

14. Changes to These Terms

We may update or modify these Terms from time to time. When we do, we will revise the “Last updated” date at the top of this page.

Your continued use of the Site after any changes become effective constitutes your acceptance of the revised Terms. If you do not agree with the changes, you must stop using the Site.

15. Contact Us

If you have any questions about these Terms, you may contact us at:

• Leverson Legacy Insurance, LLC
• Website: https://leversonlegacy.com
• Email:nlh@leversonlegacy.com
• Phone: (727) 803-9191
• Mailing Address: 3665 E Bay Dr. Ste 204 MB 321 Largo, FL 33771