Terms of Service

Last Revised: November 4, 2025

The website located at magnusiii.com (“Website”) is operated by Pacific Capital Solution LLC dba Magnus III Life & Legacy (“Magnus III,” “Magnus III Life & Legacy,” "we,” “us,” or “our”). 

By accessing or using our website or any related services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service (the “Agreement” or “Terms”) and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms or our Privacy Policy, you may not access or use this Website.

THIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE AND CLASS ACTION WAIVER. By agreeing to these Terms, you waive your right to a court hearing or jury trial or to participate in a class action. Arbitration is mandatory unless you opt out as described below.

1. Our Services

Magnus III Life & Legacy is a licensed insurance agency offering life insurance and related financial protection products. Our website provides information about our products and services, allows you to request quotes, and enables you to connect with licensed insurance agents who represent Magnus III Life & Legacy.

We do not offer legal or tax advice, and the information provided on this Website should not be considered financial, legal, or investment advice. All insurance policies are subject to underwriting approval and the terms and conditions of the issuing insurance company.

2. Requests for Quotes and Communications Consent

When you request a quote or provide your contact information on our website, you authorize Magnus III Life & Legacy and its agents or partners to contact you by phone, email, text message, or other means for purposes of providing insurance quotes, policy information, or related services.

You expressly consent to receive marketing and service-related communications, including calls and text messages that may be sent via an automated dialing system or pre-recorded voice. Your consent is not required to make a purchase, and you may opt out of marketing communications at any time by following the instructions provided in those messages.

3. Use of Website

By using our website, you agree:

• You are at least 18 years of age and a U.S. resident.
• You will provide only accurate, current, and complete information.
• You will not use the website for any unlawful, commercial, or fraudulent purpose.
• You will not attempt to gain unauthorized access to any systems or data.

We reserve the right to suspend, limit, or terminate access to the website at our sole discretion and without notice.

4. Intellectual Property

All content on this Website — including text, graphics, logos, icons, videos, and software — is the property of Magnus III Life & Legacy or its licensors and is protected by applicable copyright, trademark, and intellectual property laws.

You may view and print content for personal, non-commercial use only. You may not copy, modify, distribute, or use our materials for any commercial purpose without prior written consent from Magnus III Life & Legacy.

5. User Accounts

If you create an account with Magnus III Life & Legacy, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. Notify us immediately if you suspect unauthorized use of your account.

6. Third-Party Links

The Website may contain links to third-party sites for your convenience. Magnus III Life & Legacy is not responsible for the content, accuracy, or policies of third-party websites and does not endorse or guarantee their products or services.

7. Disclaimer of Warranties

The Website and all information provided are offered “as is” and “as available.” Magnus III Life & Legacy makes no warranties, express or implied, regarding the accuracy, reliability, or completeness of any information, or the suitability of any product for your individual needs.

We do not warrant that the Website will be uninterrupted, error-free, or free of harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, Magnus III Life & Legacy and its affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of the Website or any products or services obtained through it.

Your sole and exclusive remedy for dissatisfaction with the Website is to stop using it.

9. Dispute Resolution and Arbitration

Any dispute arising out of or relating to this Agreement or your use of the Website shall be resolved through binding arbitration conducted by the American Arbitration Association (AAA), under its consumer arbitration rules.

The arbitration shall take place in the state of California, unless otherwise required by law. Each party shall bear its own costs and attorneys’ fees, except as otherwise required by law.

You may opt out of this arbitration agreement within 30 days of your first use of the Website by sending an email to magnusthree@outlook.com with “Opt out of Arbitration” in the subject line.

10. Governing Law

These Terms are governed by and construed under the laws of the State of California, without regard to its conflict of law principles.

11. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

12. Contact Information

If you have any questions, comments, or concerns about these Terms, please contact:

Pacific Capital Solution dba Magnus III Life & Legacy LLC
Email: magnusthree@outlook.com
Website: www.magnusiii.com
Address: 200 E. Rowland St #1106, Covina, CA 91723