Terms & Conditions

These Terms & Conditions ("Terms") govern your use of the website and services provided by Infinite Legacy Vault LLC ("ILV," "we," "us," or "our"), including our SMS text messaging communications. By providing your contact information, opting in to receive messages from us, or using our website, you agree to these Terms.

1. Our Services

Infinite Legacy Vault provides financial education and licensed insurance services, including information related to Indexed Universal Life (IUL), Fixed Indexed Annuities (FIA), Final Expense, and Term life insurance products, as well as related coaching and educational content. Nothing on this website constitutes a guarantee of coverage, approval, or investment performance.

2. SMS Messaging Program

By opting in to our SMS program, you agree to receive text messages from Infinite Legacy Vault related to appointment scheduling, follow-ups, and information about products or services you have requested.

• Message types: Appointment confirmations, reminders, follow-up outreach, and general account-related communications.
• Message frequency varies based on your interactions with us and may include multiple messages per week during active engagement.
• Message and data rates may apply, depending on your mobile carrier and plan.
• Opt-out: Reply STOP at any time to unsubscribe from text messages. You will receive a one-time confirmation that you have been unsubscribed, and no further messages will be sent unless you opt back in.
• Help: Reply HELP for assistance, or contact us using the information below.
• Supported carriers: Carriers are not liable for delayed or undelivered messages.

3. Not a Guarantee of Coverage or Results

Communications from Infinite Legacy Vault, including text messages, are for informational and scheduling purposes only. They do not constitute an offer, binder, or guarantee of insurance coverage, approval, or specific financial outcomes. All products are subject to underwriting, carrier approval, and applicable terms and conditions provided at the time of application.

4. Licensed Professional Disclosure

Insurance and financial products discussed through our communications are offered through licensed insurance professionals. Product availability and terms vary by state and carrier.

5. No Legal, Tax, or Investment Advice

Information provided by Infinite Legacy Vault, TOR™, QuickCredit, or any affiliated brand is for educational purposes only and should not be construed as legal, tax, or investment advice. You should consult a qualified professional regarding your specific situation.

6. User Conduct

You agree not to use our services or communications for any unlawful purpose, and to provide accurate contact information when engaging with us.

7. Intellectual Property

All trademarks, including Infinite Legacy Vault™, TOR™ (Thinking Out of Reality™), and related marks, are the property of Infinite Legacy Vault LLC and its affiliates. Content on this website may not be reproduced without permission.

8. Limitation of Liability

To the fullest extent permitted by law, Infinite Legacy Vault LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services or communications, including SMS messaging.

9. Changes to These Terms

We may update these Terms from time to time. Continued use of our services or continued opt-in to our messaging program after changes are posted constitutes acceptance of the revised Terms.

10. Governing Law

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

11. Contact Us

See also our Privacy Policy.