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About Us
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Welcome to Health And Legacy Organization (“HALO,” “we,” “our,” or “us”). These Terms and Conditions of Use (“Terms”) govern your access to and use of the healthandlegacy.org website and all related digital tools, communication features, and services (collectively, the “Site” or “Services”).
By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you must discontinue use immediately.
We may update these Terms at any time. Continued use of the Site constitutes acceptance of the updated Terms. We encourage you to review this page periodically.
The Site is intended for users 18 years of age or older. By using the Site, you represent that you meet this requirement.
HALO is an Information Technology Services (ITS) platform that provides communication tools, workflow support, and professional coordination for:
The Site may display information about professionals (“Users”) who utilize HALO’s Services. These Users may be independently contracted with third party organizations, including insurance carriers or service providers. HALO does not endorse, guarantee, or supervise the professional services of any User.
You may use the Site only for lawful purposes and in accordance with these Terms. Unauthorized commercial use is prohibited unless expressly approved by HALO.
Some features require creating an account. You agree to:
Professionals using HALO (agents, volunteers, medical staff, etc.) are solely responsible for:
HALO does not supervise, monitor, or validate professional advice or services.
Users may communicate with individuals through the Site. These interactions may result in professional opportunities or “leads.”
HALO:
Any lead relationship arises solely from the User’s own interaction with an individual.
Paid plans may offer increased communication capacity or additional interaction allotments, but HALO does not sell personal information as part of these plans.
HALO may offer:
By subscribing to a paid plan, you agree to:
HALO does not store payment information. All payments are processed securely by third party providers.
Failure to pay may result in suspension or termination of your account.
You agree not to use the Site to:
HALO reserves the right to suspend or terminate accounts that violate these rules.
The Site and all content—including text, graphics, images, videos, layout, and design—are owned by HALO or its licensors and are protected by copyright and other intellectual property laws.
You may:
You may not:
All rights not expressly granted are reserved.
The Site may contain links to third party websites. HALO does not control, endorse, or guarantee the accuracy or quality of third party content.
Your use of third party sites is at your own risk.
The Site and Services are provided “as is” and “as available” without warranties of any kind, express or implied, including:
You assume all risks associated with using the Site.
To the fullest extent permitted by law:
HALO and its officers, directors, employees, affiliates, contractors, member agents, licensors, and partners shall not be liable for any:
damages arising from your use of the Site or Services.
This includes, without limitation:
In no event shall HALO’s total liability exceed the greater of:
Some jurisdictions do not allow certain limitations; in such cases, limitations apply to the maximum extent permitted.
You agree to indemnify and hold harmless HALO and its affiliates from any claims, damages, losses, liabilities, or expenses arising from:
HALO may suspend or terminate your access at any time, with or without cause, including for:
Upon termination, your right to use the Site immediately ceases.
These Terms are governed by the laws of the State of South Carolina, without regard to conflict of law principles.
Any disputes shall be resolved through binding arbitration, except where prohibited by law.
We may update these Terms at any time. Updates take effect upon posting. Continued use of the Site constitutes acceptance of the updated Terms.
For questions about these Terms, contact:
Email: support@healthandlegacy.org
Mailing Address:
Health And Legacy Organization
PO Box 121
Startex, SC 29377
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HALO controls and operates the Site from the State of South Carolina, United States. The Site and Services are intended for use within the United States only.
We do not represent or warrant that the Site, its content, or any Services are appropriate or available for use outside the United States. Users who access the Site from other locations do so at their own initiative and are responsible for compliance with local laws.
Certain professional services offered by Users (such as insurance related services) may not be available in all states. HALO does not guarantee the availability, suitability, or legality of any User provided services in any jurisdiction.
All content on the Site—including images, graphics, videos, trademarks, service marks, logos, icons, text, and other materials—is owned by HALO or used with permission.
You may not use, reproduce, distribute, modify, or publicly display any HALO intellectual property unless expressly authorized in writing. Unauthorized use may violate:
All rights not expressly granted are reserved.
HALO offers paid membership tiers that provide access to enhanced features, communication capacity, and exclusive content.
By becoming a paying member, you agree to comply with these Terms and any additional membership specific policies.
Paying members may access HALO videos, images, and promotional materials (“Media”) for personal or professional use related to their membership.
Permitted uses include:
Any links attached to HALO Media must direct back to healthandlegacy.org.
Paying members may not:
Paying members may use HALO trademarks solely to indicate their membership status or participation in HALO programs.
Permitted uses include:
Unauthorized or misleading use is strictly prohibited.
HALO may suspend or terminate a membership for:
HALO reserves the right to pursue legal action for intellectual property misuse.
For questions regarding membership rights or intellectual property use, contact:
HALO Legal Department
PO BOX 121
STARTEX, SC 29377
UNITED STATES
If you believe that content on the Site infringes your copyright, you may submit a DMCA notice to HALO’s designated agent.
Your notice must include:
Designated DMCA Agent:
Wayne Fraser
PO Box 121
Startex, SC 29377
Phone: 864-210-4300
Email: wayne@healthandlegacy.org
HALO may terminate accounts of repeat infringers.
For non-copyright intellectual property concerns, email: support@healthandlegacy.org
Your use of the Site is governed by the HALO Privacy Policy, available at:
https://www.healthandlegacy.org/privacyThe Privacy Policy is incorporated into these Terms by reference.
The Site may reference third-party products or services. Availability may vary by state or region, and HALO makes no guarantees regarding:
HALO does not endorse or guarantee any third-party products or services.
The Site may contain links to third party websites, social media platforms, or external resources that are not owned, operated, or controlled by HALO. Examples include links to Facebook, LinkedIn, or other platforms where HALO maintains a presence.
These links are provided solely for your convenience. HALO does not:
If you choose to access any linked site, you do so at your own risk and are subject to that site’s terms, privacy policies, and practices.
The Site may also include third party interaction tools (such as “Like” buttons, share buttons, or embedded plugins). These tools may allow you to share content or interact with third party platforms.
HALO has no control over these interactions and is not responsible for:
You should review the privacy policies of any third party platform before using these features.
Any content, communications, or materials you transmit to the Site—whether by email, form submission, upload, or other means—are considered non confidential and non proprietary unless otherwise stated in writing.
By submitting content, you grant HALO a royalty free, perpetual, irrevocable, worldwide, non exclusive license to:
your submitted content for purposes related to operating, improving, or marketing the Site and Services.
This includes any rights of publicity or likeness contained in your submission.
You represent and warrant that:
You are solely responsible for any damages, claims, or liabilities arising from your submissions.
HALO may cooperate with law enforcement or legal authorities regarding any content submitted to the Site. By using the Site, you waive any claims arising from actions taken by HALO during such investigations.
HALO does not accept unsolicited ideas or proposals. If you submit unsolicited ideas, you agree that HALO may use them without compensation or obligation.
HALO provides a registered messaging platform that allows professional Users (such as insurance agents or volunteers) to communicate with individuals via SMS or text message.
Before receiving messages from a professional User, you must explicitly opt in by replying “YES” to an opt in message sent by that User.
Do not communicate via SMS unless you have received and responded to the opt in request.
Message frequency and content are controlled by the individual User (e.g., your agent), not by HALO. HALO does not supervise or control the content of User generated messages.
You may opt out at any time by replying “STOP” to any message.
Message and data rates may apply depending on your mobile carrier.
Your privacy is important to us. For details on how we handle data, please review the HALO Privacy Policy.
In connection with your use of the Site or Services, you agree not to:
HALO reserves the right to suspend or terminate access for any violation of these rules.
By accepting these Terms, you waive and hold harmless HALO from any claims arising from actions taken during investigations of prohibited conduct or actions taken in cooperation with law enforcement.
You agree to indemnify, defend, and hold harmless Health And Legacy Organization (“HALO”) and its officers, directors, employees, affiliates, member agents, licensors, representatives, attorneys, and business partners (collectively, the “Indemnified Parties”) from and against any and all claims, demands, losses, liabilities, damages, judgments, awards, costs, and expenses (including reasonable attorneys’ fees and costs of defense) arising out of or related to:
This indemnification obligation survives termination of these Terms and your use of the Site.
These Terms, and any disputes arising from or relating to the Site or Services, are governed by the laws of the State of South Carolina, without regard to conflict of law principles.
You irrevocably consent to the exclusive jurisdiction and venue of the state and federal courts located in South Carolina for any legal action arising out of or relating to these Terms or your use of the Site. You waive any objection to venue or claims of inconvenient forum.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
These Terms constitute the entire agreement between you and HALO regarding the Site and supersede all prior or contemporaneous communications, proposals, or agreements, whether oral, written, or electronic.
HALO’s failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other rights.
HALO may, at its sole discretion and without notice, suspend or terminate the Site or your access to it for any reason. You agree that HALO is not liable to you or any third party for such actions.
HALO is not responsible for any damage to your computer, device, or systems resulting from your use of the Internet or the Site.
You may link to the Site provided the link is not deceptive, misleading, or infringing. HALO may revoke linking permission at any time.
Certain software or technical elements of the Site may be subject to U.S. export laws. You agree not to download, export, or re export such materials in violation of U.S. law.
For general inquiries not otherwise addressed in these Terms, contact:
Health And Legacy Organization
Attn: Marketing Services
PO Box 121
Startex, SC 29377
Phone: 864 210 4300