Terms of Service
Last updated: May 22, 2026
Welcome to Ritchie Legacy Life. These Terms of Service (“Terms”) govern your access to and use of the Ritchie Legacy Life website, including any forms, quote request tools, communications, and related services we make available through the website. By accessing or using this website, submitting your information, or communicating with us through the website, you agree to these Terms.
Ritchie Legacy Life is a life insurance lead-generation and information website operated by longevitylifestyle LLC. The website is intended to provide general information, allow users to request quotes or follow-up, and facilitate communication regarding life insurance products and related services.
You must be at least 18 years old and legally capable of entering into a binding agreement to use this website and submit information through it. By using the website, you represent and warrant that you meet these requirements.
You agree to use this website only for lawful purposes and in a manner that does not violate any applicable law, regulation, or the rights of others. You may not misuse the website, attempt unauthorized access, interfere with site functionality, submit false or misleading information, or use automated means to scrape or abuse the site.
The content on this website is provided for general informational purposes only and does not constitute insurance, financial, tax, legal, or other professional advice. Submission of a request through the website does not guarantee that coverage, a quote, or any specific product will be available to you. Any insurance product availability, pricing, eligibility, and terms are determined by the applicable carrier, underwriting process, and governing law.
If you submit a form, request a quote, or otherwise provide information, you agree that the information you provide is true, accurate, current, and complete to the best of your knowledge. We may use the information you submit to contact you, evaluate your request, connect you with insurance carriers or partners, and provide information related to life insurance products or services, as further described in our Privacy Policy.
By submitting your contact information through the website, you authorize Ritchie Legacy Life and its representatives to contact you by phone call, text message, and email regarding your request, appointment scheduling, service updates, and marketing or promotional communications where permitted by law and where you have provided the required consent. Message frequency may vary, and message and data rates may apply. Consent to receive calls or text messages is not a condition of purchase.
If you opt in to receive SMS messages from us:
You agree to receive informational and/or marketing text messages from Ritchie Legacy Life at the mobile number you provided.
Message frequency may vary.
Message and data rates may apply.
Reply STOP to unsubscribe at any time.
Reply HELP for assistance, or contact us using the contact details listed below.
Your consent to receive SMS messages must be explicit, and SMS consent should be separate from other forms of consent. Carrier guidance and SMS compliance resources emphasize clear opt-in, brand identification, frequency disclosure, message/data rate disclosure, opt-out instructions, and links to Terms and Privacy Policy on the same screen as the opt-in.
Your use of this website is also subject to our Privacy Policy, which describes how we collect, use, disclose, and protect your information. By using the website, you acknowledge that you have reviewed our Privacy Policy. LeadConnector guidance for A2P registration specifically notes that the website where opt-in occurs should contain both a Privacy Policy and Terms of Service.
This website may contain links to third-party websites, forms, scheduling tools, carriers, service providers, or platforms. We do not control and are not responsible for the content, availability, security, policies, or practices of third-party services, and your use of those services is governed by their own terms and policies.
All content on this website, including text, branding, graphics, logos, layout, and other materials, is owned by or licensed to Ritchie Legacy Life or longevitylifestyle LLC and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, modify, create derivative works from, or exploit website content without prior written permission, except for personal, non-commercial use as allowed by law.
This website and all content and services made available through it are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses, or that any information provided through the site will be complete, accurate, or current at all times.
To the fullest extent permitted by law, Ritchie Legacy Life and longevitylifestyle LLC, and their owners, officers, employees, contractors, affiliates, and service providers, will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or business opportunities arising out of or related to your use of, or inability to use, the website or services.
You agree to defend, indemnify, and hold harmless Ritchie Legacy Life and longevitylifestyle LLC, and their affiliates, personnel, and service providers, from and against any claims, liabilities, damages, judgments, losses, costs, and expenses arising out of or related to your misuse of the website, your violation of these Terms, or your violation of any law or the rights of a third party.
We may modify, suspend, or discontinue any part of the website at any time without notice. We may also update these Terms from time to time, and any updates will be effective when posted on this page with a revised “Last updated” date. Your continued use of the website after any change means you accept the revised Terms.
These Terms are governed by the laws of the State of California, without regard to conflict of law principles, except to the extent superseded by applicable federal law.
By opting in, you agree to receive text messages from Ritchie Legacy Life / longevitylifestyle LLC regarding life insurance inquiries, appointment reminders, application updates, and related service communications. Message frequency may vary. Message and data rates may apply.
You may opt out at any time by replying STOP. After you send STOP, we will send a confirmation message that you have been unsubscribed. After that, you will no longer receive SMS messages from us unless you opt in again.
For help, reply HELP or contact us at harriet@ritchielegacylife.com or 415-417-2818
Carriers are not liable for delayed or undelivered messages.
Your SMS consent is not a condition of purchase. For privacy information, please review our Privacy Policy.
If you have questions about these Terms, please contact:
Ritchie Legacy Life / longevitylifestyle LLC
Email: harriet@ritchielegacylife.com
Phone: 415-417-2818
Address: 1055 California St, San Francisco CA 94108
These Terms are provided for general informational purposes and do not constitute legal advice. Because insurance, advertising, privacy, telemarketing, and SMS rules can vary by state and use case, you should have a qualified attorney review these Terms before relying on them for compliance or legal protection.