Legal Information

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, please discontinue use of the site. You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of this site by, any third party.

All content on this website, including text, graphics, logos, and images, is the property of Legacy United Insurance Agency or its licensors and is protected by applicable intellectual property laws. You may view and print pages for personal, non-commercial use, but may not reproduce, distribute, or create derivative works from this content without prior written permission.

This website may link to third-party websites for convenience. Legacy United Insurance Agency does not control and is not responsible for the content, accuracy, or practices of any linked third-party site, and inclusion of a link does not imply endorsement.

Legacy United Insurance Agency reserves the right to modify, suspend, or discontinue any part of this website, or these Terms of Use, at any time without notice. Continued use of the site after changes are posted constitutes acceptance of the revised terms.

Legacy United Insurance Agency is an independent insurance agency, not an insurance carrier. Kimberli Pham is licensed to sell insurance products in the state of Texas and may work with multiple insurance carriers to help you compare coverage options.

As an independent agency, Legacy United Insurance Agency may receive commissions or other compensation from the insurance carriers whose products are placed on your behalf. This compensation does not increase the price you pay for coverage and does not change the recommendations made to you.

We do not guarantee the availability, terms, approval, or pricing of any policy. Coverage is always subject to underwriting approval by the issuing carrier, and nothing on this website constitutes a binder, policy, or guarantee of coverage. Quotes provided through this site or by our team are estimates only and are not final until confirmed in writing by the issuing carrier.

This section explains what information we collect through this website, how it is used, and the choices available to you.

Information we collect: We collect the information you voluntarily provide through our contact form, such as your name, phone number, email address, and message. Like most websites, our hosting and analytics infrastructure may automatically log limited technical information (such as browser type, device type, and pages visited) to help us understand site performance and security.

How we use it: Information you submit is used solely to respond to your inquiry, prepare an insurance quote, or service an existing policy. We do not use your information for unrelated marketing purposes without your consent.

How we share it: We do not sell your personal information to third parties. Information you submit may be shared with insurance carriers solely for the purpose of preparing a quote or servicing a policy, and only as part of that process. We may also disclose information if required to do so by law, subpoena, or other legal process.

Data retention and security: We retain contact and policy-related information only as long as reasonably necessary to service your inquiry or policy, or as required by applicable recordkeeping regulations, and take reasonable administrative and technical measures to protect it. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Your choices: You may request to review, correct, or request deletion of the personal information you've submitted to us by reaching out through our contact form. You may opt out of non-essential communications at any time.

Children's privacy: This website is not directed at children under 13, and we do not knowingly collect personal information from children.

Changes to this policy: We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page reflects the most recent revision.

This website may use minimal cookies or similar local storage necessary for basic site functionality, such as remembering form inputs or session state. We do not use cookies for third-party advertising or cross-site tracking.

Most web browsers allow you to control cookies through their settings, including blocking or deleting them. Disabling cookies may affect certain website features but will not prevent you from viewing site content or submitting the contact form.

By submitting the contact form on this website, you consent to receive electronic communications (email, text, or phone) from Legacy United Insurance Agency regarding your inquiry. You agree that any agreements, notices, or other communications sent electronically satisfy any legal requirement that such communications be in writing.

You may withdraw this consent or opt out of non-essential communications at any time by replying to any message, replying "STOP" to a text message, or contacting us directly through our contact form. Withdrawing consent will not affect communications reasonably necessary to service an existing policy.

Use of this website, or submission of the contact form, does not create an insurance policy, binder, agency relationship, or any other contractual obligation between you and Legacy United Insurance Agency. A policy is only in force once formally issued and confirmed in writing by the carrier, and coverage should never be assumed based on a quote, conversation, or website interaction alone.

The information on this website is provided "as is" for general informational purposes only and does not constitute insurance, legal, tax, or financial advice. Coverage details, exclusions, and limitations vary by carrier and policy, so always refer to your actual policy documents for the terms that govern your coverage.

Legacy United Insurance Agency makes no warranties, express or implied, regarding the accuracy, completeness, or reliability of any content on this website. To the fullest extent permitted by law, Legacy United Insurance Agency shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this website.

Legacy United Insurance Agency is committed to making this website usable by as many people as possible, and we work toward alignment with generally recognized accessibility guidelines such as the Web Content Accessibility Guidelines (WCAG). Accessibility is an ongoing effort, and we welcome feedback.

If you experience any difficulty accessing content on this site, please reach out through our contact form describing the issue and the assistive technology you're using, so we can assist you directly and address the issue.

If you believe content on this website infringes your copyright, please submit a written notice that includes: (1) a description of the copyrighted work you believe has been infringed; (2) the specific location (URL) of the material on this site; (3) your contact information; and (4) a statement that you have a good-faith belief the use is not authorized, made under penalty of perjury.

Notices can be submitted through our contact form. We will review valid notices promptly and take appropriate action, which may include removing or disabling access to the material in question.

These Terms of Use and your use of this website are governed by the laws of the State of Texas, without regard to conflict-of-law principles. Any disputes arising from this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Texas.

We may revise this Legal Information page from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The "Last Updated" date above reflects the most recent revision, and we encourage you to review this page periodically.