1. General Information Only — No Advice Through Website
The information provided on this website is for educational and informational purposes only and should not be interpreted as personalized financial, legal, tax, investment, or insurance advice.
Accessing this website or communicating through it does not create an advisory, fiduciary, or client relationship with Prime Life Legacy or its representatives.
Any strategies or concepts discussed are general in nature and may not be appropriate for your specific circumstances.
You should consult with qualified tax, legal, and financial professionals before making any financial decision.
2. Licensing & Regulatory Status
Representatives associated with Prime Life Legacy may hold state insurance licenses and may also be registered to offer securities or variable products through a properly registered broker-dealer and/or registered investment adviser, where applicable.
Securities and advisory services are only offered in jurisdictions where properly registered or exempt.
Insurance products are offered through state-licensed insurance professionals.
Not all services or products are available in all states.
Additional regulatory disclosures will be provided upon request or at the time of engagement, as required by law.
3. No Offer or Solicitation
Nothing on this website constitutes:
An offer to sell
A solicitation to buy
A recommendation of any security, insurance policy, or investment strategy
Any such offer may only be made through official documents, including:
Prospectuses
Policy illustrations
Advisory agreements
Regulatory disclosure forms
when required and permitted by law.
4. Investment & Insurance Risk Disclosure
All financial strategies involve risk, including:
Possible loss of principal
Market fluctuation
Changes in tax law or regulation
Insurance carrier solvency considerations
Past performance does not guarantee future results.
Insurance guarantees are backed solely by the claims-paying ability of the issuing carrier, not by Prime Life Legacy or any representative.
Variable products and securities:
Are not FDIC insured
Are not bank guaranteed
May lose value
5. Third-Party Information & Links
This website may reference:
Third-party research
External websites
Financial concepts or tools
Prime Life Legacy:
Does not control third-party content
Makes no guarantee of accuracy or completeness
Is not responsible for external policies or practices
Links are provided for convenience only.
6. Confidentiality & Electronic Communication
Information transmitted through:
Website forms
Email
Online messaging
may not be fully secure.
Users should avoid sending sensitive personal or financial information until a formal client relationship and secure communication method are established.
7. No Client Relationship Without Written Agreement
A client relationship is only established after:
Required regulatory disclosures are delivered
Suitability/appropriateness is evaluated
A written agreement is executed
Acceptance is confirmed by the appropriate licensed entity
Until then, no fiduciary or advisory duty exists.
8. Limitation of Liability
To the fullest extent permitted by law, Prime Life Legacy and its representatives shall not be liable for:
Any direct or indirect damages
Reliance on website information
Decisions made without formal engagement
Use of this website is at the user’s own risk.
9. Intellectual Property
All content on this website, including:
Text
Branding
Graphics
Layout
Educational materials
is the property of Prime Life Legacy and may not be reproduced or distributed without written permission.
10. Governing Law
These terms are governed by the laws of the United States and the applicable state of licensure, without regard to conflict-of-law provisions.
11. Changes to These Terms
Prime Life Legacy reserves the right to update or modify these Terms at any time without prior notice.
Continued use of the website constitutes acceptance of the current Terms.