TERMS OF SERVICE

Colorado.Ink LLC
DBA KB Insurance & Legacy Advisors

Operating brands may also include:
Legacy Bridge
Puzzle Benefit Solutions

Effective Date: February 20, 2026

1. Acceptance of Terms

By accessing this website, submitting forms, scheduling appointments, or communicating with Colorado.Ink LLC DBA KB Insurance & Legacy Advisors (“Company,” “we,” “us,” or “our”), you agree to these Terms of Service.

If you do not agree with these Terms, please discontinue use of the website and services.

2. Eligibility & Age Requirement

Our services, website, and communication programs are intended for individuals who are 18 years of age or older.

By submitting your information, scheduling services, or opting in to communications, you represent that you are at least 18 years old and have the legal authority to provide consent.

3. Services Provided

KB Insurance & Legacy Advisors provides services that may include:

• Insurance advisory services (Life & Health)
• Medicare plan education and guidance
• Financial education and wellness programs
• Section 125 consulting through affiliated providers
• End-of-life planning education
• Notary services through Colorado.Ink LLC

The Company provides insurance brokerage and educational guidance. We do not provide legal, tax, or investment advisory services unless explicitly stated and formally contracted.

4. No Government Affiliation

KB Insurance & Legacy Advisors is an independent insurance agency and is not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services (CMS), or any government entity.

Medicare beneficiaries are encouraged to review official information at:

https://www.medicare.gov

5. Website Use & Data Collection

By using this website, you may voluntarily provide information including:

• Name
• Phone number
• Email address
• Appointment information
• Business details when applicable

Information submitted through forms may be used for:

• Appointment scheduling
• Insurance and benefits consultation
• Educational outreach
• Service-related communication and follow-up

Personal information may be stored securely through trusted third-party platforms such as CRM systems, scheduling tools, and email communication providers.

We do not sell personal information.

For more information on how personal data is collected and used, please review our Privacy Policy.

6. SMS Communications & Messaging Terms

By providing your mobile phone number and opting in through our website forms or communication channels, you consent to receive SMS messages from KB Insurance & Legacy Advisors (operated by Colorado.Ink LLC).

SMS messages may include:

• Appointment confirmations and reminders
• Client-requested follow-up communication
• Service-related notifications
• Educational updates and event invitations when subscribed

Message frequency may vary.
Message and data rates may apply.
Consent to receive SMS messages is not a condition of purchase.

7. Opt-Out Instructions

You may opt out of SMS communications at any time by replying:

STOP — to unsubscribe
HELP — for assistance

After opting out, you will no longer receive SMS communications unless you re-subscribe.

8. Customer Support Contact

For assistance regarding SMS messages or other services, you may contact:

KB Insurance & Legacy Advisors
Phone: 720-254-1489
Email: [email protected]

9. Carrier Liability Disclaimer

SMS message delivery is subject to effective transmission by your wireless carrier and the capabilities of your mobile device.

Neither Colorado.Ink LLC nor KB Insurance & Legacy Advisors, nor mobile carriers, are responsible for delayed, misdelivered, or undelivered messages.

10. Email Communications

By submitting your email address through our website or forms, you consent to receive communications which may include:

• Appointment confirmations or follow-ups
• Educational resources
• Updates regarding services

You may unsubscribe from marketing emails at any time by using the unsubscribe link included in the email.

11. No Financial Guarantees

Information provided through this website, consultations, or communications is for educational purposes only.

Insurance products and financial strategies are subject to underwriting, policy terms, carrier approval, and applicable regulations.

The Company does not guarantee specific financial outcomes or insurance approvals.

12. Limitation of Liability

Colorado.Ink LLC DBA KB Insurance & Legacy Advisors shall not be liable for:

• Decisions made based on educational information provided
• Inaccuracies resulting from incomplete or incorrect client-provided information
• Interruptions caused by third-party technology providers

Clients are responsible for reviewing policy documents and confirming coverage details.

13. Intellectual Property

All content, materials, branding, logos, text, graphics, and educational resources on this website are the property of Colorado.Ink LLC DBA KB Insurance & Legacy Advisors and may not be reproduced or distributed without written permission.

14. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Updates will be posted on this page with the revised effective date.

Continued use of the website or services constitutes acceptance of updated Terms.

15. Contact Information

KB Insurance & Legacy Advisors
A service of Colorado.Ink LLC

1500 N Grant Street, Suite N
Denver, CO 80203

Phone: 720-254-1489
Email: [email protected]