Terms of Service

These terms govern your use of the Legacy Path platform. They are an agreement between you and Commonwealth Legacy Group, LLC, doing business as Legacy Path, of 23 Mercato Drive, Somerset, Kentucky 42503 (“Legacy Path”, “we”, “us”).

Legacy Path is available only to individuals holding an active insurance producer license in each state where they solicit business. By subscribing you represent that you hold such a license and will maintain it for as long as you use the platform.

• Advertisements built and operated for you on third-party advertising platforms
• Leads generated by those advertisements and delivered to you
• Access to a customer relationship management platform, configured for your use
• On Clear Path: messaging registration and compliance handling, a branded website, and access to an estate planning document platform

We do not provide insurance products, insurance advice, or legal advice, and we do not guarantee sales, income, or lead volume.

Subscription fees are billed monthly in advance to the payment method on file.

Advertising spend is not billed by us. Your advertising account is funded by your own payment method and the advertising platform bills you directly. We do not hold, handle, or take any percentage of your advertising spend.

Pass-through costs — lead processing, and text messaging where applicable — are billed at our actual cost. Those costs are published at legacypath.cc/costs and itemized in your monthly statement. That page states the complete list of costs that can appear on your bill, and we are bound by it.

Rate changes follow the notice rules published on that page: increases require thirty days’ written notice, no change is applied retroactively, and decreases take effect immediately.

Your subscription is month to month and you may cancel at any time.

Cancellation takes effect at the end of the billing month in which you cancel, and fees for that month are due in full. We do not offer refunds, though we may issue one at our discretion in individual circumstances.

We may suspend or terminate your account for non-payment, loss of licensure, or conduct that exposes consumers, us, or other agents to legal risk, including breach of section 7.

The platform is ours. Your sub-account and its configuration, pipelines, automations, workflows, templates, and build are the property of Legacy Path. On cancellation your sub-account is frozen. It is released to you if you provided sixty days’ notice of cancellation, or if you settle any outstanding fees.

Leads are ours. Lead records generated by advertisements we operated remain the property of Legacy Path.

Your clients are yours. A lead who becomes your client is a different matter. You may export your client list and their policy records at any time, including after cancellation, and we will not withhold them.

Every lead is screened before delivery against duplicate, do-not-call, litigator, and phone validity checks. Leads that fail screening are never delivered and never billed.

Replacement. If a lead has a verifiable defect — an invalid or unreachable phone number, or data that does not match what was submitted — report it within seven days and we will replace it at no charge.

We make no representation about conversion, income, or the commercial value of any lead. A lead is a person who submitted a form asking to be contacted. What happens after that is your work.

For every lead we deliver, we capture a consent record at the point of submission and can produce it on request. That record includes the disclosure language as it was presented, and the time and technical details of the submission.

You are responsible for how you contact a lead. That includes:

• Contacting only within permitted hours in the consumer’s jurisdiction
• Your own internal do-not-call obligations
• State call-recording and consent-to-record requirements
• The content of what you say and send, including any statement about products, carriers, or coverage
• Maintaining licensure and carrier appointments in every state where you solicit

You will use leads and the platform only to solicit insurance you are licensed and appointed to sell. You will not resell, share, or transfer leads to any third party.

The platform is provided as is, without warranties of any kind to the extent permitted by law.

Nothing we publish is a promise of results. Any figures describing agent performance are historical, specific to those agents, and not a representation of what you will achieve.

Our total liability to you for any claim is limited to the fees you paid us in the twelve months preceding the claim. Advertising spend is excluded from that calculation because we never receive it.

Neither party is liable to the other for indirect, incidental, or consequential damages, including lost commissions or lost business opportunity.

You will indemnify and hold us harmless against claims arising from how you contacted a consumer, what you said to them, products you sold, or your licensure.

We will indemnify and hold you harmless against claims arising from our failure to capture or produce a consent record as described in section 7.

We may change these terms on thirty days’ notice. Pricing changes follow the notice rules published at legacypath.cc/costs. Continued use after the effective date constitutes acceptance.

These terms are governed by the laws of the Commonwealth of Kentucky. Venue for any dispute is Pulaski County, Kentucky.

If any provision is held unenforceable, the rest remains in effect. These terms, together with the costs page incorporated by reference, are the entire agreement between us.

Questions: colewhitaker@commonwealthlegacygroup.com