Terms and Conditions

Last Updated: 01/02/2026

These Terms and Conditions (“Terms”) govern your access to and use of the website operated by Katz Legacy Financial LLC (“Katz Legacy Financial,” “we,” “our,” or “us”). By accessing or using this website, you agree to be legally bound by these Terms. If you do not agree, you must not use this website.

1. Purpose of This Website

This website is provided for informational and lead-intake purposes only.

The website allows users to voluntarily submit limited contact information so that a representative of Katz Legacy Financial may follow up. No insurance products are sold, issued, bound, or finalized through this website.

Nothing on this website constitutes a binding offer, contract, or guarantee of insurance coverage or financial outcome.

2. Information You Provide

By submitting information through this website, you represent and warrant that:

  • The information you provide is accurate and truthful
  • You are authorized to provide the contact information submitted
  • You are at least 18 years of age

We collect only names, email addresses, and phone numbers. We do not collect Social Security numbers, medical records, driver’s license information, or financial account data through this website.

3. Communications & Consent

By submitting your information, you expressly consent to be contacted by Katz Legacy Financial and its representatives via:

  • Phone calls (manual and automated)
  • SMS / text messages
  • Emails

Communications may be made using automated technology and may originate from multiple agent phone numbers.

Consent applies to:

  • Appointment scheduling and reminders
  • Follow-up communications
  • Educational information
  • Marketing and promotional outreach

Consent is obtained when a user voluntarily submits their contact information through a website form or other intake method.

Message and data rates may apply. Consent is not a condition of purchasing insurance. You may opt out of SMS communications at any time by replying “STOP.”

4. No Advice or Guarantees

Nothing on this website constitutes financial, legal, tax, or investment advice.

  • Any references to growth, performance, tax advantages, or wealth strategies are general and informational only
  • Insurance eligibility, pricing, approval, and benefits depend on carrier underwriting and applicable laws
  • No outcomes, rates, approvals, or results are guaranteed

All decisions should be made in consultation with licensed professionals.

5. Independent Insurance Agency Disclosure

Katz Legacy Financial operates as an independent insurance agency and may receive compensation from insurance carriers if a policy is issued. Availability of products varies by state and carrier guidelines.

No coverage exists unless and until a policy is formally issued and in force.

6. Intellectual Property

All content on this website, including text, graphics, logos, videos, and design elements, is the exclusive property of Katz Legacy Financial LLC or its licensors and is protected by applicable intellectual property laws.

You may not copy, reproduce, modify, distribute, or exploit any content without prior written permission.

7. Third-Party Links

This website may contain links to third-party websites for convenience. Katz Legacy Financial does not control, endorse, or assume responsibility for any third-party content, policies, or practices.

Accessing third-party websites is done at your own risk.

8. Limitation of Liability

To the maximum extent permitted by law, Katz Legacy Financial shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

  • Use or inability to use this website
  • Reliance on information provided on the site
  • Errors, omissions, delays, or interruptions
  • Unauthorized access to or use of your information

Use of this website is entirely at your own risk.

9. Indemnification

You agree to indemnify, defend, and hold harmless Katz Legacy Financial LLC, its owners, agents, contractors, and affiliates from any claims, damages, liabilities, costs, or expenses arising from:

  • Your use or misuse of the website
  • Your violation of these Terms
  • Any false or misleading information you provide

10. Dispute Resolution

Mediation First:
Any dispute arising out of or relating to this website or these Terms shall first be submitted to good-faith mediation.

Arbitration:
If mediation does not resolve the dispute, the matter shall be resolved by binding arbitration in accordance with applicable arbitration rules.

Venue & Governing Law:
These Terms are governed by the laws of the State of North Carolina. All mediation and arbitration proceedings shall take place in New Hanover County, North Carolina.

You waive any objection to jurisdiction or venue in that location.

11. Privacy Policy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

12. Changes to These Terms

We reserve the right to modify these Terms at any time without notice. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

13. Contact Information

For questions regarding these Terms, contact:

Katz Legacy Financial LLC
311 Judges Rd Unit 10F
Wilmington, North Carolina 28405
ecardillo@katzlegacyfinancial.com
910-350-8881

Legal Notice: This Terms and Conditions document is provided for general informational purposes and does not constitute legal advice.