Terms & Conditions

Effective Date:
December 1, 2025

Last Updated:
December 28, 2025

Welcome to Jam Legacy. These Terms and Conditions (“Terms”) govern your access to and use of the website, services, communications, and offerings provided by Jam Legacy, operated by Jam Legacy LLC (“Jam Legacy,” “we,” “us,” or “our”).

By accessing or using our website, submitting information, or engaging with our services, you agree to be bound by these Terms. If you do not agree, please do not use our services.

1. About Jam Legacy

Jam Legacy is an independent insurance agency that provides Medicare-related education, consultation, and enrollment assistance, including Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D prescription drug plans.

We do not provide medical care and do not guarantee plan availability, coverage acceptance, or carrier approval. All insurance products are offered by licensed carriers and are subject to eligibility, underwriting, and carrier rules.

2. Eligibility

You must be at least 18 years of age to use our services. By engaging with Jam Legacy, you represent that you are legally capable of entering into a binding agreement and that all information you provide is truthful and accurate.

3. User Responsibilities

By using our website or services, you agree to:

Provide accurate, complete, and truthful information

Use our services only for lawful and personal insurance-related purposes

Not impersonate another individual or misrepresent eligibility

Not interfere with the operation or security of our website or systems

Maintain the confidentiality of any credentials or access provided to you

You are solely responsible for any activity conducted through your interactions with us.

4. No Professional or Medical Advice

Jam Legacy Insurance provides insurance education and plan information only.

We do not provide legal, tax, or medical advice

Insurance decisions should be reviewed carefully with licensed professionals

Coverage outcomes depend on the insurance carrier and CMS regulations

Any decision to enroll in a plan is solely yours.

5. Prohibited Uses

You may not:

Use our website or services for unlawful, misleading, or fraudulent purposes

Submit false or misleading personal or Medicare-related information

Attempt to gain unauthorized access to systems or data

Disrupt or interfere with site functionality or communications

We reserve the right to restrict or terminate access for violations.

6. Communications & Messaging Consent

By providing your phone number or email address, you consent to receive communications from Jam Legacy, which may include:

Appointment confirmations and reminders

Medicare education and plan information

Enrollment-related communications

SMS or email messages (where consent is provided)

Message and data rates may apply. You may opt out of SMS messages at any time by replying “STOP” or contacting us directly.

7. Medicare & CMS Compliance Notice

Jam Legacy complies with applicable Centers for Medicare & Medicaid Services (CMS) rules and guidelines.

All marketing and communications follow CMS consent and disclosure requirements

Enrollment is never required to receive information

Plan availability varies by location and eligibility

8. Intellectual Property

All content, logos, graphics, text, and materials on this website are the property of Jam Legacy LLC or its licensors.

You may not copy, reproduce, distribute, modify, or use any content without prior written permission.

9. Service Availability

We strive to maintain reliable access to our website and services but do not guarantee uninterrupted availability.

We may modify, suspend, or discontinue any portion of the website or services at any time without notice.

10. Limitation of Liability

To the maximum extent permitted by law, Jam Legacy LLC, its owners, agents, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from:

Use or inability to use our website or services

Insurance carrier decisions or coverage outcomes

Delays, interruptions, or third-party service failures

All services are provided “as is” without warranties of any kind.

11. Privacy & Data Protection

Your use of our services is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you agree to the terms of that Privacy Policy.

12. Termination

We reserve the right to suspend or terminate access to our services at our sole discretion if we believe you have violated these Terms or applicable laws.

13. Changes to These Terms

We may update these Terms at any time. Updates will be posted on our website and reflected by the “Last Updated” date. Continued use of our services constitutes acceptance of any revised Terms.

14. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Any disputes shall be resolved exclusively in the courts located within that jurisdiction.

15. Contact Us

If you have questions about these Terms, please contact us:

Company: Jam Legacy Insurance LLC
Business Name: Jam Legacy Insurance
Email: [email protected]
Phone: +1 631.658.4008