Terms & Conditions:
Effective Date: 02/06/2026
Last Updated: 02/10/2026
Welcome to the Legacy Retirement Solutions LLC, DBA Elmer Agency. Please read these Terms and Conditions carefully before using our website or engaging with our services.
1. Acceptance of Terms
By accessing our website or opting into our services (including SMS communication), you agree to comply with and be bound by these Terms and Conditions. If you do not agree, please do not use our services.
2. Services
We provide advice and consulting on life insurance services. These services may include updates, promotional offers, reminders, or other communications via SMS or email.
3. SMS Consent and Communication
By providing your mobile phone number and opting in through a clear, unchecked consent checkbox on our website forms, you agree to receive SMS messages from Legacy Retirement Solutions LLC, DBA Elmer Agency related to your requested services, including appointment confirmations, reminders, service updates, and customer support notifications.
Message frequency varies. You may receive up to 4 messages per month. Message and data rates may apply.
Consent to receive SMS messages is not a condition of purchase or service. You may opt out at any time by replying STOP to any message. For assistance, reply HELP or contact us at admin@elmeragency.com or 801-916-9470.
4. Privacy Policy
Please refer to our Privacy Policy for information on how we collect, use, and protect your personal information.
5. Opt-Out Policy
You may cancel the SMS service at any time by replying STOP to any message you receive. After you send STOP, you will receive a final confirmation message and will no longer receive SMS messages from us. To rejoin, simply opt in again through our website forms. If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at admin@elmeragency.com or 801-916-9470.
6. User Responsibilities
You agree to:
Provide accurate, current, and complete information. Not use our site or services for unlawful purposes.
7. Limitation of Liability
Legacy Retirement Solutions LLC, DBA Elmer Agency is not liable for any direct, indirect, or incidental damages resulting from the use or inability to use our services. Carriers are not liable for delayed or undelivered messages.
8. Changes to Terms
We reserve the right to update these Terms at any time. Continued use of our services constitutes acceptance of any changes.
9. Contact Us
For any questions regarding these Terms, SMS communications, or your rights, please contact:
Legacy Retirement Solutions LLC DBA Elmer Agency
St. George, UT
801-916-9470
These Terms and Conditions govern your use of Legacy Retirement Solutions LLC, DBA Elmer Agency, including our website and our SMS and email communications programs. By using our services or opting into our communications, you agree to these Terms and our Privacy Policy.
If you have any questions regarding privacy, please read our Privacy Policy