These Terms of Service ("Terms") govern your use of the website and services provided by Smith Legacy Agency ("we," "us," "our," or "the Agency"), which is owned and operated by Sean R Smith, a Licensed Life Insurance Agent in the state of Michigan (License No. 21436291). By accessing our website or contacting us, you agree to these Terms. If you do not agree, please do not use our website or services.
Our Services
Smith Legacy Agency provides life insurance guidance and assistance to individuals and families, including term life insurance, whole life insurance, final expense insurance, and mortgage protection coverage. We act as an independent licensed agent and assist clients in understanding and applying for insurance products. The availability, terms, cost, and underwriting of any insurance policy are determined by the issuing insurance carrier, not by the Agency.
Use of Our Website
You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the site. You may not misuse, disrupt, or attempt to gain unauthorized access to our website, systems, or information.
Information You Provide
When you request a quote or contact us, you agree to provide accurate, current, and complete information. You are responsible for maintaining the accuracy of any details you share and for keeping your contact information current.
No Guarantee of Coverage
Submitting information or requesting a quote does not guarantee that you will be offered or issued an insurance policy. All coverage is subject to the terms, conditions, and underwriting requirements of the issuing insurance carrier. Quotes are estimates and are not a binding offer of insurance.
SMS Text Messaging Program
By providing your phone number and checking the consent box on our contact form, you opt in to receive recurring text messages from Smith Legacy Agency. Our SMS program is described as follows:
- Purpose / program description: we send text messages for quote follow-ups, appointment confirmations, and appointment reminders.
- Message frequency: message frequency varies depending on your interactions with us and your request status.
- Potential costs: message and data rates may apply. Check with your mobile carrier for details.
- Opt out: you may opt out at any time by replying STOP to any message you receive from us.
- Help: reply HELP to any message for assistance, or contact us at (734) 536 4008.
- Consent: consent to receive text messages is not a condition of purchasing any goods or services from Smith Legacy Agency.
We may modify or discontinue our SMS program at any time. For more information about how we handle mobile information, please review our Privacy Policy.
Intellectual Property
All content on this website — including text, graphics, logos, and design — is the property of Smith Legacy Agency or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our prior written permission.
Third-Party Links & Services
Our website may contain links to third-party websites or reference services we do not control. We are not responsible for the content, policies, or practices of any third party. Your use of third-party websites is at your own risk.
Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.
Limitation of Liability
To the maximum extent permitted by law, Smith Legacy Agency and Sean R Smith shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, our website or services.
Indemnification
You agree to indemnify and hold harmless Smith Legacy Agency and its agents from any claims, damages, or expenses arising out of your use of our website or services or your violation of these Terms.
Compliance with Laws
Sean R Smith is a Licensed Life Insurance Agent in the state of Michigan (License No. 21436291). Our services are provided in accordance with applicable state and federal laws and regulations governing the sale and marketing of insurance.
Changes to These Terms
We may update these Terms at any time. When we do, we will revise the "Last updated" date at the top of this page. Your continued use of our website or services after changes are posted constitutes acceptance of the revised Terms.
Contact Us
If you have questions about these Terms, please contact us:
- By phone: (734) 536 4008
- By email: sean@smithlegacyagency.com
See also our Privacy Policy.