Terms of Use

These Terms govern use of www.veteran-legacy-benefits.com, operated by Celena Doctor, an independent licensed life insurance agent.

Insurance Information Only

This website provides general life insurance information and allows visitors to request contact with a licensed insurance professional.

Website information does not constitute legal, tax, investment, medical, or financial advice.

No Insurance Contract

Submitting a form, requesting a coverage review, requesting a quote, scheduling an appointment, speaking with an agent, or receiving an estimate does not create, bind, issue, or guarantee insurance coverage.

Insurance coverage becomes effective only according to the terms and conditions of an insurance policy issued by the applicable carrier.

No Guarantee of Eligibility or Pricing

Insurance eligibility, availability, premiums, benefits, coverage amounts, policy provisions, underwriting requirements, and product availability vary according to factors such as carrier, state, age, coverage requested, underwriting, tobacco classification, and information provided in an application.

Nothing on this website guarantees approval or a particular premium.

Carrier Policy Controls

Any insurance policy issued is governed by the actual policy, application, endorsements, riders, carrier rules, and applicable law.

If website information conflicts with an issued insurance contract, the insurance contract controls.

Availability

Insurance products and services may not be available in every state. Insurance business is solicited only where the agent is properly licensed or otherwise permitted to conduct business.

Quotes and Examples

Premiums, benefit amounts, and examples displayed on the website are informational unless expressly identified as a formal carrier quote.

Actual eligibility and premiums may differ.

User Information

Visitors should provide information that is accurate to the best of their knowledge and should not submit another person’s contact information without proper authorization.

Calls and Text Messages

By submitting the coverage-review form, a visitor requests and authorizes a follow-up telephone call from Celena Doctor at the number provided regarding the visitor’s life insurance inquiry and appointments.

The optional SMS checkbox is separate and applies only to text messages. Text communications are governed by the form disclosure and SMS Terms presented on this website.

Consent to receive automated marketing text messages is not a condition of purchasing insurance.

Third-Party Services

The website may interact with services including:

• Ringy
• Zapier
• Meta
• Insurance carriers
• Scheduling providers
• Website hosting providers
• Email and communication providers

Celena Doctor is not responsible for outages or independent actions of third-party services beyond reasonable control.

Acceptable Use

Visitors may not use this website to violate applicable law, attempt unauthorized access, transmit malicious software, interfere with website operation, impersonate another person, knowingly submit fraudulent information, harvest website information, or defeat security measures.

Intellectual Property

Original website content, text, branding, graphics, and design elements are owned by or licensed to Celena Doctor unless otherwise indicated.

Website Disclaimer

To the maximum extent permitted by applicable law, this website is provided on an “as is” and “as available” basis.

Website availability, accuracy, or uninterrupted operation cannot be guaranteed.

Limitation of Liability

To the maximum extent permitted by applicable law, Celena Doctor will not be liable for indirect, incidental, special, consequential, or punitive damages arising solely from the use or inability to use this website.

Nothing in these Terms excludes liability that cannot legally be excluded.

Veterans Affairs / Government Non-Affiliation

Celena Doctor is an independent licensed life insurance agent and a private insurance professional.

This website is not affiliated with, endorsed by, sponsored by, or operated by the U.S. Department of Veterans Affairs, the United States government, or any government agency.

Private life insurance products discussed through this website are not VA benefits or government programs unless specifically identified otherwise.

Governing Law

These Terms are governed by the laws of the State of Florida, except where federal or other applicable law controls.

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