Terms of Use

Effective Date: August 30, 2026

These Terms of Use govern your access to and use of the website operated by BT LLC, doing business as Legacy Insurance Broker (“Legacy,” “we,” “us,” or “our”).

By accessing or using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the website.

Informational Purposes Only

The information provided on this website is for general informational purposes only. It is not intended to provide legal, tax, financial, risk-management, or other professional advice.

Insurance descriptions on this website are summaries only. They do not include every policy term, condition, limitation, or exclusion. The language of the issued insurance policy controls in the event of any conflict.

No Insurance Coverage Created

Nothing on this website creates an insurance contract or guarantees that coverage is available.

Insurance coverage cannot be bound, added, changed, renewed, or canceled through:

  • This website

  • A website form

  • Email

  • Voicemail

  • A request for a quote

  • An unanswered communication

Coverage is effective only when expressly confirmed by Legacy or the issuing insurance carrier through an authorized method.

Do not rely on a website submission for an urgent coverage request, policy change, cancellation, certificate, claim notice, or other time-sensitive insurance matter. Contact Legacy directly and obtain confirmation.

Quotes and Applications

Submitting a quote or contact form does not constitute an insurance application, offer, binder, or policy.

Any quote is subject to:

  • Complete and accurate information

  • Underwriting review

  • Carrier eligibility requirements

  • Verification of exposures and supporting documents

  • Applicable terms, conditions, limits, and exclusions

  • Payment and other binding requirements

  • Final approval by the insurance carrier

Rates, terms, and availability may change before coverage is bound. Legacy does not guarantee that a particular insurer, policy, premium, limit, or coverage option will be available.

Licensing and Availability

Legacy offers insurance products and services only where it and the applicable insurance professionals are properly licensed.

Products, carriers, coverage options, and services may not be available in every state or to every applicant. Nothing on this website is an offer to sell insurance in a jurisdiction where such an offer would be unlawful.

Accuracy of Website Information

We make reasonable efforts to provide useful and current information. However, insurance requirements, carrier offerings, laws, regulations, rates, and coverage options may change.

We do not warrant that website content is complete, accurate, current, or suitable for a particular purpose. We may update, remove, or modify content at any time without notice.

Your Responsibilities

You agree to provide accurate information when using website forms and to update or correct information when necessary.

You may not:

  • Use the website for unlawful, fraudulent, or abusive purposes

  • Misrepresent your identity or authority

  • Submit information belonging to another person without authorization

  • Attempt to gain unauthorized access to the website, accounts, systems, or data

  • Introduce malware, harmful code, or disruptive technology

  • Interfere with the website’s operation or security

  • Scrape, copy, or commercially exploit website content without permission

  • Use the website to transmit threatening, defamatory, obscene, or otherwise unlawful material

Please do not submit Social Security numbers, driver’s license numbers, payment information, policy numbers, detailed financial records, medical information, loss runs, or other sensitive information through general website forms.

Intellectual Property

Website content—including text, graphics, logos, design elements, photographs, and other materials—is owned by or licensed to Legacy and is protected by applicable intellectual-property laws.

You may view and print website content for personal, noncommercial use. You may not reproduce, modify, distribute, publish, display, sell, license, or create derivative works from website content without prior written permission, except as permitted by law.

Third-party names, logos, and trademarks belong to their respective owners.

Information You Submit

By submitting information through the website, you represent that:

  • The information is accurate to the best of your knowledge

  • You are authorized to provide it

  • Providing it does not violate another person’s rights or applicable law

You authorize Legacy to use submitted information to respond to your inquiry, evaluate potential insurance needs, communicate with you, and conduct related business activities as described in our Privacy Policy.

If you provide a telephone number, Legacy may call you regarding your inquiry. Numbers submitted through website forms are not used for marketing text messages.

Third-Party Websites and Services

This website may link to insurance carriers, payment processors, professional organizations, and other third-party websites or services.

The Pay Now link directs visitors to Legacy’s ePayPolicy landing page at legacyinsurancebroker.epaypolicy.com.

Third-party websites are governed by their own terms, privacy policies, security practices, and accessibility standards. Legacy does not control and is not responsible for third-party content, availability, products, services, or practices.

A link does not necessarily constitute an endorsement.

Website Availability and Security

We may modify, suspend, restrict, or discontinue any part of the website without notice.

We do not guarantee that the website will always be available, uninterrupted, secure, or free from errors, viruses, or other harmful components. You are responsible for using appropriate security measures when accessing websites and electronic communications.

Disclaimer of Warranties

To the fullest extent permitted by law, this website and its content are provided “as is” and “as available,” without warranties of any kind, whether express or implied.

Legacy disclaims warranties of merchantability, fitness for a particular purpose, noninfringement, accuracy, availability, and security to the extent permitted by law.

Some jurisdictions do not allow certain warranty exclusions, so portions of this section may not apply to you.

Limitation of Liability

To the fullest extent permitted by law, Legacy and its owners, employees, representatives, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to:

  • Your use of or inability to use the website

  • Reliance on website content

  • Website errors, interruptions, or security incidents

  • Information submitted through general website forms

  • Third-party websites or services

  • A failure to obtain, bind, change, or cancel insurance coverage through the website

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

Privacy

Our collection and use of website information are described in our Privacy Policy. Additional privacy notices may apply when you apply for or receive insurance products or services.

Governing Law

These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law principles.

Subject to applicable law, disputes arising from these Terms or use of the website will be brought in the state or federal courts serving El Paso County, Colorado.

Changes to These Terms

We may update these Terms as our website, services, or legal obligations change. Revised Terms will be posted on this page with an updated effective date.

Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.

Contact Us

Questions regarding these Terms may be directed to:

BT LLC dba Legacy Insurance Broker
13540 Northgate Estates Drive, Suite 210
Colorado Springs, CO 80921
Phone: 719-593-5814
Email: info@legacyinsurancebroker.com