Terms of Service

1. Acceptance of Terms

By using the JMS Legacy Life platform, you confirm that you are at least 18 years of age, legally capable of entering into binding contracts, and authorized to use the services. If you do not agree to these terms, you must discontinue use of our services immediately.

2. Life Insurance Policies & Contracts

• Application Process: All life insurance quotes, applications, and coverage approvals are subject to underwriting guidelines, medical exams (if applicable), and final approval by JMS Legacy Life.
• Policy Documents: Your actual coverage, premiums, exclusions, and benefits are governed strictly by the specific insurance policy contract issued to you, not by the general information provided on this website.
• Accuracy of Information: You certify that all information provided during the application process (including medical and financial history) is true, accurate, and complete. Providing false information may void your policy and result in the denial of claims.

3. User Accounts and Security

• Account Creation: To manage your policy online, you may need to create an account. You are responsible for maintaining the confidentiality of your login credentials.
• Unauthorized Use: You agree to notify us immediately at [email protected] of any unauthorized use of your account or any other breach of security.

4. Privacy and Data Security

Your privacy is our priority. Our collection, use, and disclosure of your personal and health information are governed by our Privacy Policy. By using our services, you consent to our data practices as outlined in the privacy agreement.

5. Premium Payments and Cancellations

• Payments: You authorize JMS Legacy Life (or our third-party payment processors) to charge your designated payment method for premiums on the agreed-upon schedule (monthly, quarterly, or annually).
• Lapse Policy: Failure to pay premiums within the designated grace period may result in the lapse or termination of your life insurance policy.
• Cancellations: You may cancel your policy at any time by contacting our customer support team or submitting a cancellation request through your online portal. Refund eligibility will be determined based on the terms of your specific policy contract.

6. Intellectual Property

All content, logos, text, graphics, and software on the JMS Legacy Life website are the property of JMS Legacy Life and are protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. Limitation of Liability

To the maximum extent permitted by law, JMS Legacy Life shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services. Our total liability for any claim related to your policy shall not exceed the total premiums paid by you on that policy.

8. Changes to Terms

JMS Legacy Life reserves the right to modify or update these Terms of Service at any time. We will notify you of any material changes by posting the updated terms on this page with a revised "Effective Date." Your continued use of our services after such changes constitutes your acceptance of the new Terms of Service.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions.