Purpose of the service
HIG Legacy Vault is operated by HIG Legacy Vault, LLC. It is an organizational tool for recording insurance information and storing selected documents relating to life, auto, home, umbrella, and other insurance coverage. Certain features also help users prepare family instructions and share limited life-insurance information with authorized beneficiaries.
Life-insurance focus and other policy storage
The service's guided beneficiary, family-access, emergency, annual-review, and claim-preparation features are designed primarily for life insurance. Legacy Vault+ may also allow users to store records and documents for auto, home, umbrella, health, disability, or other insurance as an added organizational convenience. Those additional records may not receive the same guided claims experience, and the service does not replace the claims procedures, deadlines, instructions, or requirements of any insurer.
Not an insurance policy or professional advice
HIG Legacy Vault organizes insurance information and provides general educational guidance. It is not an insurer, insurance producer, legal adviser, or claims administrator, and it does not sell insurance, determine coverage, process claims, or provide legal advice. Always confirm coverage and claim requirements directly with the insurance carrier.
Vault records are not an insurance contract, beneficiary designation, proof of coverage, claim decision, legal instrument, or guarantee of payment. Information in the service is not legal, tax, financial, or insurance advice. The insurance carrier’s records and policy documents control. Confirm important information directly with the carrier and qualified professionals.
Your responsibilities
You agree to:
- provide accurate information and keep it reasonably current;
- upload only information you have the right to store and share;
- obtain appropriate permission before entering another person’s information;
- protect your credentials and use multi-factor authentication where available;
- review beneficiary access and revoke it when no longer appropriate; and
- use the service only for lawful purposes.
Beneficiary access
Policyholders control invitations and authorization. Portal access is limited, revocable, and informational. Accepting an invitation does not establish beneficiary status or entitlement to policy proceeds.
Subscriptions and billing
Features identified as paid require an active subscription. Prices and billing terms are shown before checkout. Stripe processes payments. You may manage or cancel a subscription through the billing portal. Deleting an account ends access and initiates cancellation of the associated subscription, but does not create refunds except where required by law or stated at purchase.
Acceptable use
You may not probe or bypass security, access another person’s vault without authorization, upload malicious material, automate abusive requests, interfere with the service, or use it to violate another person’s rights.
Availability and changes
We work to keep the service available and accurate, but uninterrupted or error-free operation is not guaranteed. Features may change as we improve security, reliability, or legal compliance. Keep independent copies of documents you cannot afford to lose.
Account suspension and termination
We may restrict or terminate access when reasonably necessary to protect users, comply with law, address nonpayment, or stop misuse. You may stop using the service and permanently delete your account from Settings.
Disclaimers and limitation
To the extent allowed by law, the service is provided “as is” and “as available.” HIG Legacy Vault, LLC is not responsible for carrier decisions, inaccurate user-entered information, missed deadlines, or actions taken in reliance on vault records instead of official policy documents. Applicable law may provide rights that cannot be limited by these terms.
Privacy and deletion
Our Privacy Policy and Data Retention Policy explain how information is handled and deleted.
Changes to these terms
We may update these terms as the service changes. Continued use after an updated effective date means you accept the revised terms, except where applicable law requires additional consent.
Contact
Questions about privacy or account deletion may be sent to privacy@huffmaninsurancegroup.com.