Terms of Service for Silver Legacy Options

Effective Date: May 30, 2026 | Last Updated: May 30, 2026

Welcome to silverlegacyoptions.com ("Website"), a digital property owned and operated by Influx Automations LLC ("Company," "we," "us," or "our"), a technology and marketing platform. Influx Automations LLC is not a licensed insurance agency.

By accessing or using this Website, completing our legacy planning questionnaires, or interacting with our automated services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use this Website.

1. Description of Service

This Website acts as a legacy planning marketing and lead generation platform designed to connect consumers with a licensed insurance representative to compare private whole life final expense insurance policies.

Important Disclaimers:

Not an Insurance Carrier: We are not an insurance company. We do not underwrite policies, issue coverage, or collect premiums.
No Guarantee of Approval: Completing our online questionnaire or speaking with our concierge does not constitute an insurance application, nor does it guarantee approval for coverage. All policy approvals and premium determinations are made solely by the respective third-party insurance carriers after a formal application process.
No Advisory or Fiduciary Relationship: Information provided on this Website is for educational and comparison purposes only. It does not constitute professional legal, tax, or financial advice.

2. Licensed Insurance Representative Disclosure

Final expense insurance policy quoting, advisement, and placement are performed independently by our designated licensed insurance professionals:

Licensed Agent: Robert Kalatino | NPN: 920736278
Licensed Agent: Nig Kalatino | NPN: 987654321 (verify on NIPR.com)
Active Licensed States: Florida (FL), Missouri (MO), Ohio (OH), Texas (TX), Arizona (AZ), Iowa (IA), Michigan (MI), Pennsylvania (PA), and South Carolina (SC).

By completing a questionnaire on our Website, you acknowledge and agree that your lead details and request for a quote will be processed and handled by one of the above licensed professionals based on availability and state licensing.

3. User Obligations and Eligibility

By using our Website and services, you warrant that:

You are at least 18 years of age.
All information you submit through our questionnaires is true, accurate, current, and complete.
You are a resident of one of the states in which we operate.
You possess the legal authority to enter into a binding agreement.

If we detect or suspect that you have provided false or fraudulent information, we reserve the right to immediately terminate your access to our Website and flag your contact details in our telephony systems to prevent further communication.

4. TCPA Consent and Outbound Communication

By submitting your phone number and checking the consent box, you agree to receive automated communications as described in our TCPA Consent Block and Privacy Policy.

You acknowledge that:

Outbound voice concierge callbacks may be initiated by our automated software stack (Telnyx + Retell AI) within 3 minutes of submission.
You can easily revoke consent and opt out at any time by telling the concierge "Stop calling" or "Put me on your Do Not Call list," which will immediately trigger an automated unsubscribe workflow in our database.

5. Intellectual Property Rights

All content on this Website—including but not limited to text, graphics, logos, icons, user interfaces, conversion flows, and underlying software code—is the property of Influx Automations LLC and is protected by federal and international copyright, trademark, and intellectual property laws.

You may not copy, reproduce, distribute, modify, or create derivative works of any Website content without our express written permission.

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, INFLUX AUTOMATIONS LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND ITS LICENSED REPRESENTATIVES (INCLUDING ROBERT KALATINO) SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, ARISING OUT OF OR IN CONNECTION WITH:

Your access to or use of (or inability to access or use) the Website.
Any information, quotes, or product comparisons provided on the Website.
The conduct of any third-party insurance carrier during the application process.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT OF FIFTY DOLLARS ($50.00 USD).

7. Dispute Resolution and Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Informal Resolution: In the event of any dispute or claim arising under these Terms, you agree to first attempt to resolve the issue informally by contacting us at the email address provided below.
Binding Arbitration: If the dispute cannot be resolved informally within thirty (30) days, both parties agree to resolve the dispute through binding individual arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules.
Class Action Waiver: You agree that any arbitration or proceeding shall be conducted on an individual basis only. You waive any right to bring or participate in any class action, collective action, or representative proceeding against us or our licensed representatives.
Governing Law: These Terms and any disputes arising out of them shall be governed by and construed in accordance with the laws of the State of Florida (or the state where Influx Automations LLC is registered), without regard to its conflict of law principles.

8. Severability & Entire Agreement

If any provision of these Terms is found to be invalid or unenforceable by an arbitrator or court of competent jurisdiction, the remaining provisions of these Terms shall remain in full force and effect. These Terms, along with our Privacy Policy and TCPA Consent Block, constitute the entire agreement between you and Influx Automations LLC regarding your use of the Website.

9. Contact Us

If you have any questions about these Terms of Service, please contact us at:

Influx Automations LLC
Digital Property Owner of silverlegacyoptions.com
Email: compliance@silverlegacyoptions.com
Licensed Professionals: Robert Kalatino (NPN 920736278) | Nig Kalatino (NPN 987654321)