Last updated: December 5, 2025

Welcome to Kleos Legacy (“Kleos Legacy,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our websites, landing pages, and any online forms where you request information or quotes for insurance products (the “Services”).

By visiting our website, submitting your information, or otherwise using our Services, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Services.

  1. What We Do

Kleos Legacy helps individuals and families explore insurance options, including (but not limited to):

  • Final expense insurance
  • Life insurance
  • Other related protection and planning products

When you submit your information, we use it to:

  • Review your needs
  • Connect you with a licensed professional
  • Provide quotes, information, and options that may be appropriate for you

We do not guarantee that any particular policy will be approved, issued, or available at a specific price. Final eligibility and pricing are always determined by the insurance carrier.

  1. Who May Use the Services

To use our Services, you must:

  • Be at least 18 years old or the age of majority in your state
  • Use the Services for personal, lawful purposes only
  • Provide accurate and complete information

If you submit information on behalf of another person (for example, a spouse or parent), you represent that you have permission to do so.

  1. Submitting Your Information & Consent to Be Contacted

When you fill out a form on our website or otherwise provide your contact information, you agree and understand that:

  1. You Are Requesting Contact & Information
    You are asking Kleos Legacy, and where applicable our licensed insurance partners, to contact you about insurance products, quotes, and related services.
  2. How We May Contact You
    You expressly consent to being contacted at the phone number(s), email address(es), and other contact information you provide, by:
    • Phone call
    • Text message (SMS/MMS)
    • Email
    • Voicemail (including ringless voicemail where permitted)

This contact may be made by Kleos Legacy team members and/or licensed insurance agents or agencies we work with.

Contact may occur using manual dialing, auto-dialing systems, prerecorded or artificial voice messages, and standard email or text platforms, as allowed by law. Message and data rates may apply depending on your carrier and plan.

  1. Consent Not a Condition of Purchase
    Your consent to be contacted is not a condition of purchasing any goods or services. You can choose not to buy anything even if you requested information.
  2. How to Opt Out
    • You can stop marketing texts by replying “STOP” to a message we send.
    • You can stop marketing emails by clicking the “unsubscribe” link in the email.
    • You can also contact us directly using the details in Section 13.

Even if you opt out of marketing communications, we may still send you non-marketing messages related to existing requests, applications, or policies, as allowed by law.

  1. How Your Information May Be Used & Shared

We handle your information as described in our Privacy Policy. In general:

  • We use your information to help you explore and obtain insurance coverage.
  • We may share your information with licensed insurance agents, agencies, or carriers so they can contact you, provide quotes, or service your request.
  • We do not knowingly collect information from children under the age of 18.

Please review our Privacy Policy carefully for full details.

  1. No Professional, Legal, or Tax Advice

Information on our website and in our communications is for general informational and educational purposes only. It is not:

  • Legal advice
  • Tax advice
  • Investment advice

You should consult your own attorney, tax professional, or financial advisor regarding your specific situation.

All insurance product details, including coverage amounts, premiums, and benefits, are subject to the terms, conditions, limitations, and exclusions of the policy issued by the insurance company.

  1. No Guarantee of Coverage or Results

We cannot and do not promise that:

  • You will be approved for a policy
  • You will qualify for any specific rate or coverage amount
  • Any recommendation will be the best or only option for you

All applications are subject to underwriting by the respective insurance carrier, which makes the final decision.

  1. Your Responsibilities

You agree that you will:

  • Provide accurate, current, and complete information when using the Services
  • Not misuse the website (for example, by submitting false information, attempting to disrupt the site, or scraping data)
  • Only use the Services for lawful purposes

If you create an account or login, you are responsible for keeping your password and access credentials confidential and for any activity that occurs through your account.

  1. Prohibited Conduct

You may not:

  • Use the Services in any way that violates applicable laws or regulations
  • Attempt to interfere with, damage, or disrupt the operation of the Services
  • Attempt to gain unauthorized access to any systems, data, or accounts
  • Use the Services to harass, defraud, or harm others
  • Use the website for any commercial purpose other than exploring or obtaining insurance through Kleos Legacy

We may suspend or terminate your access to the Services if we believe you are violating these Terms or applicable law.

  1. Intellectual Property

All content and materials on the website—including text, graphics, logos, images, videos, and software—are owned by Kleos Legacy or our licensors and are protected by intellectual property laws.

You may view and use the content for your personal, non-commercial use in connection with our Services. You may not:

  • Copy, reproduce, distribute, or modify our content for commercial purposes
  • Use our trademarks or logos without our prior written consent
  1. Disclaimers

The Services and all information provided through them are offered on an “as is” and “as available” basis.

To the fullest extent permitted by law, Kleos Legacy disclaims all warranties, express or implied, including but not limited to:

  • Warranties of merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy, completeness, or reliability of the information

We do not warrant that the website will always be available, error-free, secure, or free of viruses or harmful components.

  1. Limitation of Liability

To the maximum extent permitted by law:

  • Kleos Legacy will not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, even if we have been advised of the possibility of such damages.
  • Our total liability for any claim arising out of or relating to the Services or these Terms will not exceed the amount you have paid to Kleos Legacy (if any) in the three (3) months before the claim arose.

Some jurisdictions do not allow certain limitations of liability, so parts of this section may not apply to you.

  1. Indemnification

You agree to indemnify and hold harmless Kleos Legacy and its owners, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorney fees) arising out of or related to:

  • Your use of the Services
  • Your violation of these Terms
  • Your violation of any applicable law or regulation
  • Any information you submit to us
  1. Governing Law & Dispute Resolution

These Terms and any dispute arising out of or relating to your use of the Services shall be governed by the laws of the State of Texas, without regard to conflict-of-law rules.

You agree that any legal action or proceeding shall be brought exclusively in the state or federal courts located in [Denton County / Dallas County], Texas, and you consent to the personal jurisdiction of those courts.

  1. Changes to the Services and These Terms

We may modify or discontinue any part of the Services at any time.

We may also update these Terms from time to time. When we do:

  • We will update the “Last updated” date at the top; and
  • Your continued use of the Services after changes become effective means you accept the updated Terms.
  1. Contact Us

If you have questions about these Terms, the Services, or how your information is used, please contact us:

Kleos Legacy
2601 E State Highway 121 Bldg 2-215
Lewisville, TX 75056
Email: admin@kleoslegacy.com