Terms and Conditions

Overview and acceptance

Legacy365 Insurance, a DBA of F&S Legacy Partners, LLC ("Legacy365," "we," "us," or "our"), operates this website and the associated agent portal. By accessing or using the website or portal, you agree to be bound by these Terms of Service. If you do not agree, do not use the website or portal.

Modification of terms

We may update these Terms of Service 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 website or portal after an update constitutes acceptance of the revised terms.

Account registration

Portal accounts are created only through our application and onboarding process or by an administrator. Accounts are individual and non-transferable. You must provide accurate and complete information, including your licensing details, and keep it current. Sharing login credentials is prohibited. You are responsible for maintaining the security of your account and for all activity that occurs under it.

Eligibility

You must be at least 18 years old, reside in the United States, and be a licensed insurance professional or an individual actively pursuing licensure to use the agent portal.

Service overview

Legacy365 Insurance is a Medicare field marketing organization (FMO) providing recruiting, contracting support, training, lead distribution, and business tools to independent insurance agents.

Independent contractor relationship

Agents who work with Legacy365 are independent contractors, not employees. Nothing in these terms, the portal, or any related materials creates an employment, partnership, agency, joint venture, or fiduciary relationship between you and Legacy365. You are responsible for your own licensing, taxes, appointment fees, business expenses, and regulatory compliance.

Electronic communications

By creating an account, you agree to receive transactional and account-related electronic communications from us — including notices, updates, and administrative messages — even if you have opted out of marketing communications.

Permissible use and prohibited conduct

The portal, training materials, recordings, and lead data are provided for your own business use in connection with Legacy365 only. You agree not to:

• Share your credentials or portal access with any other person.
• Copy, redistribute, or republish training materials or session recordings.
• Share, sell, or resell lead data.
• Record training sessions or meetings without permission.
• Attempt to gain unauthorized access to our systems or data.
• Upload malicious code or interfere with the operation of the platform.
• Misrepresent your affiliation with Legacy365 Insurance.

Lead data

Leads provided by Legacy365 remain confidential and may be used only by the assigned agent, and only for Legacy365 business. Leads may not be sold, shared, or retained after your relationship with Legacy365 ends. You are responsible for complying with the Telephone Consumer Protection Act (TCPA), Do-Not-Call (DNC) requirements, and all applicable CMS marketing rules when contacting leads.

Intellectual property

All training content, recordings, tools, branding, and platform materials are the property of Legacy365 Insurance. We grant you a limited, revocable, non-transferable license to use these materials for your personal professional use in connection with Legacy365 business only. You may not copy, distribute, modify, or resell any of these materials.

Training sessions and recordings

Training sessions, bootcamps, and meetings may be recorded. Your participation constitutes consent to recording. Recordings are made available for your personal review and may not be shared, republished, or distributed in any form.

Third-party services

We use third-party platforms to deliver our services, including Zoom, email delivery services, e-signature and document tools, and analytics providers. Those services are governed by their own terms, and we are not responsible for their outages, errors, or acts and omissions.

Compliance responsibility

You must follow all applicable CMS regulations, carrier marketing guidelines, state insurance laws, and TCPA/DNC requirements in your business. Legacy365 provides tools and training to support compliance, but you remain solely responsible for your own compliance obligations.

Disclaimers

Legacy365 Insurance is not affiliated with, endorsed by, or approved by the Centers for Medicare & Medicaid Services (CMS), Medicare, or any government agency. Nothing on the website or portal constitutes legal, tax, or compliance advice. Income and production results are not guaranteed; your results depend on your own effort and performance. The website, portal, and services are provided "as is" and "as available," without warranties of any kind, express or implied.

Limitation of liability

To the fullest extent permitted by law, Legacy365 Insurance and its owners, officers, and affiliates will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for lost profits, lost commissions, or lost data, arising out of or related to your use of the website or portal. Our total liability for any claim arising from these terms or your use of the services is limited to the greater of one hundred dollars ($100) or the amounts, if any, that you paid to us for the services giving rise to the claim in the twelve months preceding the claim.

Governing law and dispute resolution

[Placeholder — governing state and dispute resolution terms (arbitration, venue, jury waiver) to be determined.]

Termination

We may suspend or terminate your account and access to the portal at any time for violations of these terms or for conduct that harms Legacy365, its agents, or its partners. You may close your account at any time by contacting us. Provisions that by their nature should survive termination — including those concerning lead data, intellectual property, disclaimers, limitation of liability, and dispute resolution — survive termination.

SMS / text messaging

Who we are

Legacy365 Insurance, a DBA of F&S Legacy Partners, LLC, is a licensed Medicare insurance agency. Text messages you receive are sent by Legacy365 Insurance.

What we send

By providing your mobile number and agreeing to be contacted by text, you consent to receive messages from us including appointment reminders and confirmations, policy and coverage information, responses to your questions, and information about Medicare plan options you have requested.

Message frequency and rates

Message frequency varies based on your interaction with us. Message and data rates may apply according to your mobile carrier plan.

Opting out

Reply STOP at any time to stop receiving text messages. Reply HELP for assistance, or contact us at the details below.

Carrier liability

Mobile carriers are not liable for delayed or undelivered messages.

No obligation

Receiving messages from us does not obligate you to enroll in any plan and does not affect your current coverage.

General provisions

These terms, together with the Privacy Policy, constitute the entire agreement between you and Legacy365 regarding the website and portal. If any provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver of our right to do so later. You may not assign these terms without our written consent; we may assign them in connection with a merger, sale, or reorganization. Notices may be sent to the contact information associated with your account or to the contact details below.

Contact

Questions about these terms? Reach us through our Contact page or at the email address below.