Terms & Conditions

By accessing or using the Legacy Changers™ Navigate Your Legacy website, you agree to these Terms & Conditions. If you do not agree, please do not use the website.

Legacy Changers™ provides financial education and general informational content. Content on this website is not individualized:

• Legal advice
• Tax advice
• Investment advice

Individual circumstances vary. Please evaluate financial decisions based on your own situation and, when appropriate, consult qualified professionals.

Discussions of insurance or protection strategies are educational in nature unless you are working directly with an appropriately licensed professional regarding a specific product. Please note:

• Insurance availability may vary
• Product features may vary
• Eligibility may vary
• Approval may depend on underwriting
• Age, health, state availability, carrier requirements, and other factors may affect available options

No approval, coverage, pricing, benefit, or product availability is guaranteed.

Discussions involving retirement strategies, indexed concepts, financial products, market protection concepts, or future income are educational and should not be interpreted as guarantees of financial performance. Nothing on this website promises investment returns, retirement outcomes, market performance, wealth, or specific financial results.

Where guarantees are associated with a specific insurance product, they are subject to the claims-paying ability and contractual terms of the issuing insurance company.

Information about opportunities in the financial services industry may involve an independent 1099 business opportunity and should not be interpreted as an offer of traditional W-2 employment.

• Business results vary
• Earnings are not guaranteed
• Success is not guaranteed
• Individual results depend on many factors, including individual activity, effort, experience, skill development, licensing, market conditions, and other circumstances

No advancement or promotion is guaranteed.

Where financial-services activities require licensing, individuals must satisfy applicable licensing, appointment, training, and regulatory requirements before conducting activities that require such authorization.

Original Legacy Changers™ branding, written content, educational materials, graphics, guides, Roadmap materials, and other original website content may be protected by applicable intellectual property laws. You may use the website for personal informational purposes, but you may not reproduce, republish, sell, distribute, or commercially exploit protected Legacy Changers™ materials without appropriate permission. Third-party materials remain the property of their respective owners.

You agree not to intentionally misuse the website, interfere with its operation, attempt unauthorized access, submit malicious content, or use the website for unlawful purposes.

This website may link to third-party platforms, scheduling tools, educational resources, service providers, or other external websites. Legacy Changers™ does not control independent third-party websites, and their own terms and privacy policies may apply.

Educational information, strategies, examples, or opportunities presented through this website do not guarantee any particular financial, insurance, retirement, business, or income result.

This website and its content are provided on an "as is" and "as available" basis. To the extent permitted by applicable law, Legacy Changers™ is not liable for losses or damages arising from your use of, or reliance on, the website or its content.

These Terms & Conditions may be updated periodically. Continued use of the website after an update may be subject to the revised terms.

For questions about these Terms & Conditions, please use the Contact option on the Legacy Changers™ website.