Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website operated by Legacy, Wealth, and Estate Planning LLC, doing business as American Senior Benefits ("we," "us," or "our"). By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use the website.

1. Informational Purpose Only

The content on this website is provided for general informational purposes only. It does not constitute insurance, financial, tax, or legal advice, and it is not an offer or solicitation to buy or sell any insurance product in any jurisdiction where we are not licensed. Insurance products, availability, rates, and benefits vary and are subject to the terms of each carrier's policy and to underwriting approval.

2. No Affiliation with Government Agencies

We are a private, independent insurance agency. We are not affiliated with, endorsed by, or connected to the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any other government agency. For official government information, visit Medicare.gov or call 1-800-MEDICARE.

3. Eligibility

You must be at least 18 years of age and able to form a legally binding contract to use this website and to request our services. By using the website, you represent that you meet these requirements.

4. Acceptable Use

You agree not to:

• Use the website for any unlawful purpose or in violation of these Terms;
• Submit false, misleading, or fraudulent information;
• Attempt to gain unauthorized access to any portion of the website or its systems;
• Introduce viruses, malware, or other harmful code;
• Interfere with or disrupt the operation of the website or the servers and networks that host it;
• Use automated means to scrape, harvest, or collect information from the website without our written permission.

5. Intellectual Property

All content on this website — including text, graphics, logos, images, and design — is owned by or licensed to us and is protected by applicable intellectual property laws. You may view and print content for your personal, non-commercial use only. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

6. Third-Party Links and Content

This website may contain links to third-party websites and resources, including insurance carriers and government sites. We provide these links for convenience only and do not endorse and are not responsible for the content, products, or practices of any third-party site.

7. Disclaimer of Warranties

The website and all content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components, or that the information provided is complete, accurate, or current.

8. Limitation of Liability

To the fullest extent permitted by law, Legacy, Wealth, and Estate Planning LLC and its members, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this website, even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold harmless Legacy, Wealth, and Estate Planning LLC and its members, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the website or your violation of these Terms.

10. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or your use of the website will be subject to the exclusive jurisdiction of the state and federal courts located in Texas.

11. Changes to These Terms

We may revise these Terms at any time by posting an updated version on this page. Changes are effective when posted. Your continued use of the website after any change constitutes your acceptance of the revised Terms.