Terms & Conditions
Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.
Insurance products & services are offered & sold through individually licensed & appointed agents in all appropriate jurisdictions.Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
# Terms and Conditions
**Tri-State Legacy Group, LLC**
Effective Date: July 22, 2026
Website: https://tristatelegacygroup.com
## 1. Acceptance of Terms
By accessing or using the Tri-State Legacy Group, LLC ("Tri-State Legacy Group," "we," "us," or "our") website located at tristatelegacygroup.com (the "Site"), or by opting in to receive communications from us, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the Site or provide us with your contact information.
## 2. Description of Services
Tri-State Legacy Group is an independent insurance and retirement planning agency offering life insurance, Medicare planning, health insurance, legacy and retirement planning, annuities, and related advisory services to residents of New York, New Jersey, Connecticut, and Pennsylvania. Insurance products and services referenced on the Site are offered and sold only through individually licensed and appointed agents in the appropriate jurisdictions. Nothing on the Site constitutes a binding offer of insurance, financial, tax, or legal advice, and all coverage is subject to underwriting approval and the terms of the applicable policy.
## 3. Use of the Website
You agree to use the Site only for lawful purposes and in a manner consistent with its intended use — namely, to learn about our services and to request information or a consultation. You may not use the Site to transmit harmful code, attempt to gain unauthorized access to our systems, or misrepresent your identity when submitting a form.
## 4. Text Messaging (SMS) Program Terms
### Program Name
Tri-State Legacy Group Client Communications
### Program Description
By providing your mobile phone number and opting in through our website, forms, or in-person consultation, you consent to receive recurring text messages from Tri-State Legacy Group related to appointment reminders, Medicare and insurance plan information, enrollment period updates, follow-ups to your inquiries, and general client service communications. Message frequency varies based on your interactions with us.
### Opt-Out Instructions
You can cancel this SMS program at any time. Simply reply **STOP** to any text message you receive from us. Upon doing so, we will send a confirmation message that you have been unsubscribed. After this confirmation, you will no longer receive SMS messages from us unless you opt in again.
### Rejoining Instructions
If you would like to resume receiving messages after opting out, you may sign up again the same way you originally opted in (for example, by submitting a form on our Site or providing your number to your agent), and we will resume sending you messages.
### Help Instructions
If you experience any issues with the messaging program, reply **HELP** to any message for assistance, or contact us directly at tim@tristatelegacygroup.com or (845) 235-6371.
### Carrier Liability
Carriers, including wireless and mobile telecommunications providers, are not liable for delayed or undelivered messages.
### Message and Data Rates
Message and data rates may apply for messages sent to you from us and from you to us. Message frequency varies. For questions about your text or data plan, please contact your wireless provider.
### Privacy Policy
For information about how we collect, use, and protect your information, including information related to this SMS program, please review our [Privacy Policy](https://tristatelegacygroup.com/privacy-policy).
### Compliance with Industry Standards
This SMS program is operated in accordance with CTIA guidelines and wireless carrier requirements applicable to Application-to-Person (A2P) messaging.
### Legal Compliance
Tri-State Legacy Group complies with the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act (where applicable), and all other applicable federal and state laws governing electronic communications and text messaging.
## 5. Intellectual Property
All content on the Site, including text, graphics, logos, and images, is the property of Tri-State Legacy Group or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.
## 6. Disclaimer of Warranties
The Site and its content are provided "as is" without warranties of any kind, either express or implied. We do not guarantee that the Site will be error-free, uninterrupted, or that any specific insurance product or plan will be available or suitable for your individual needs.
## 7. Limitation of Liability
To the fullest extent permitted by law, Tri-State Legacy Group and its agents shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use of the Site or your participation in our text messaging or email communications programs.
## 8. Governing Law
These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles, unless otherwise required by applicable state insurance regulations in the jurisdiction where you reside.
## 9. Changes to These Terms
We may update these Terms from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the Site or continued participation in our communications programs after changes are posted constitutes your acceptance of the revised Terms.
## 10. Contact Us
If you have questions about these Terms, please contact us:
**Tri-State Legacy Group, LLC**
23 Northgate dr.
Walden, NY 12586
Email: tim@tristatelegacygroup.com
Phone: (845) 235-6371