Terms of Use

The following terms and conditions apply to this website and any other websites owned or operated by Legacy National Insurance (“COMPANY,” “we,” or “us”).

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By using the Site, you signify your agreement to the following Terms and Conditions of use without limitation or qualification. Please read these Terms and Conditions carefully before using the Site. Legacy National Insurance may at any time revise these Terms and Conditions. Therefore, you should review these Terms and Conditions for changes from time to time. If you use the Site after any revisions are made, you agree to be bound by any such revisions. If you do not agree to be bound by these Terms and Conditions, you are not authorized to use the Site and should exit the Site immediately.

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Other websites owned or operated by Legacy National Insurance may have different terms and conditions, so you should review them carefully before using such other websites. Further, these Terms and Conditions do not apply to any goods or services sold or provided by Legacy National Insurance or any affiliate. Any products or services sold or provided by Legacy National Insurance or any affiliate will have their own terms and conditions and should not be confused with these Terms and Conditions. These Terms and Conditions ONLY APPLY TO YOUR USE OF THE SITE.

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Reliance on Site

The content on the Site is provided for informational purposes only. Nothing on the Site is meant to convey tax, investment, accounting, financial or legal advice, or an offer to sell or buy a product or service. Any account information that may be available through the Site is only meant to provide you with a summary of your account, and it is not the official record of your account.

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Disclaimer

YOUR USE OF THE SITE IS AT YOUR OWN RISK. The Site (including any goods, services or information sold or provided through the Site) is provided "as is" and without warranties of any kind, either express or implied. Legacy National Insurance makes no express or implied warranties, representations, or endorsements whatsoever with respect to the Site. Legacy National Insurance expressly disclaims all warranties of any kind (express, implied, statutory, or otherwise) including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Neither Legacy National Insurance nor any affiliate warrants that the functions or content of the Site will be uninterrupted or error-free, that defects or errors will be corrected, or that the Site or the server that makes it available will be free of viruses or other harmful components. Neither Legacy National Insurance nor any affiliate warrants or makes any representations that the Site is correct, timely, accurate, reliable, or secure. You assume the entire cost of all necessary servicing, repair or correction in the event you experience any loss or damage arising from your use of the Site. Legacy National Insurance makes no warranties that your use of the Site will not infringe the rights of other parties and assumes no liability for such infringement.

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Links to Other Websites

The Site may contain web links to other sites not affiliated with Legacy National Insurance. Such linked sites may contain information created, published, maintained or otherwise posted by independent organizations. Neither Legacy National Insurance nor any affiliate endorses, recommends, approves, or certifies any information, product or service referenced or provided at such linked sites. The linked sites are not meant to suggest an implied association with Legacy National Insurance. Legacy National Insurance is in no way responsible for the content at the linked sites. You access those linked sites at your own risk.

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Limitation of Liability

While Legacy National Insurance uses reasonable efforts to include accurate and up-to-date information on the Site, errors or omissions may occur. Under no circumstances, including but not limited to negligence by act or omission, shall Legacy National Insurance or any affiliate, officer, director, employee, agent, licensor, representative, attorney, or business partner of Legacy National Insurance, or any party involved in creating, producing, or delivering the Site, be liable for any damages whatsoever, including but not limited to direct, incidental, consequential, special, exemplary, actual, indirect, punitive, or other damages including loss of revenue or income, pain and suffering, or emotional distress, even if Legacy National Insurance or its affiliate and/or authorized representative have been advised of the possibility of such damages, that arise out of:

(1) your use of, or the inability to use, the Site;
(2) any claims related to errors on the Site; or
(3) any other matters or claims you may raise relating to the Site, even if Legacy National Insurance has been advised of the possibility of such claims or resulting damages.

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If applicable law does not allow the limitation or exclusion of liability for incidental or consequential damages, the above limitation or exclusion may not apply to you. In that case, Legacy National Insurance’s liability will be limited to the fullest extent allowed under applicable law.

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In no event shall Legacy National Insurance’s total liability to you, together with that of any affiliate, for all damages, losses, and causes of action, whether in tort, contract, or otherwise, exceed the amount you paid to access the Site. Neither Legacy National Insurance nor any affiliate assumes responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing the Site or your downloading of any materials, data, text, images, video, or audio from the Site.

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Indemnification

You agree to indemnify, defend, and hold harmless Legacy National Insurance, including its owners, officers, directors, employees, affiliates, agents, licensors, representatives, attorneys, and business partners (“Indemnified Parties”), from and against any and all claims, damages, demands, losses, liabilities, judgments, awards, costs, and expenses, including attorneys' fees, defense costs, and direct, indirect, punitive, individual, consequential, special, or exemplary damages that Legacy National Insurance or any of the Indemnified Parties suffer in relation to, arising from, or for the purpose of avoiding, any claim, demand, or lawsuit by a third party that relates to your use of the Site, your breach of these Terms and Conditions, or use of the Site by any person using your credentials.

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Jurisdiction and Age Restrictions

This Site is intended for use by U.S. residents aged 18 and older. Access outside the U.S. is at your own risk and may not comply with local laws. Insurance products referenced on this Site may be offered only where legally permitted and licensed.

By using the Site, you consent to the transmission of personal data to and from the United States.

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Ownership of Site Content and Intellectual Property

Unless otherwise stated, all content on this Site is owned by or licensed to Legacy National Insurance. This includes:

• Text, graphics, images, videos, audio, layout, and color schemes.

• Trademarks, service marks, trade names, logos, and icons.

You are prohibited from using any intellectual property without our prior written permission. Unauthorized use may violate copyright, trademark, privacy, or communications laws. We reserve the right to pursue legal action, which may include recovery of damages and attorney’s fees.

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Reliance on Site Information

All content is provided for informational purposes only. It is not intended to offer legal, tax, financial, or professional advice. Any account information provided is for convenience only and is not an official record.

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Disclaimer of Warranties

You use the Site at your own risk. The Site is provided “as is,” without any warranties—express, implied, or statutory—including but not limited to:

• Merchantability

• Fitness for a particular purpose

• Title and non-infringement

We do not warrant that:

• The Site will be uninterrupted or error-free.

• The Site or its servers are free from viruses or other harmful components.

• The Site content is accurate, reliable, or secure.

You assume all responsibility for costs related to repair, service, or correction resulting from your use.

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Limitation of Liability

We strive for accurate and timely information, but errors may occur. Under no circumstances shall Legacy National Insurance, its affiliates, officers, directors, agents, employees, licensors, or partners be liable for any damages (direct, indirect, incidental, consequential, special, exemplary, or punitive), including:

• Loss of revenue or income

• Emotional distress or suffering

• Equipment damage or data loss

Even if advised of the possibility of such damages, our liability will never exceed the amount you paid to access the Site.

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Indemnification

You agree to indemnify, defend, and hold harmless Legacy National Insurance, including its owners, officers, directors, employees, affiliates, agents, licensors, attorneys, and business partners ("Indemnified Parties"), from and against any and all claims, damages, demands, losses, liabilities, judgments, awards, costs, and expenses—including attorneys' fees and other legal costs—arising from:

• Your use of the Site

• Your violation of these Terms

• Use of the Site by any person using your login credentials

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Links to Third-Party Websites

This Site may link to third-party websites. Such links are provided for convenience only. We do not endorse or control the content of linked sites and are not responsible for their content, accuracy, or availability. Access is at your own risk.

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Privacy Policy

Your use of the Site is also governed by our [Privacy Policy], which is incorporated into these Terms by reference. Please review it carefully.

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Miscellaneous

• These Terms are governed by the laws of the State of Indiana, without regard to conflict of law principles.

• If any provision is deemed invalid or unenforceable, the remaining provisions shall remain in effect.

• Our failure to enforce any provision does not waive our right to enforce it later.

• Sections regarding proprietary rights, disclaimers, indemnity, limitation of liability, and governing law shall survive termination of these Terms.

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