Terms & Conditions

Yo Legado LLC (“Yo Legado,” “Company,” “we,” “our,” or “us”) offers the Insurance Elite Program, an educational and business-mentorship service designed for contractors and construction-industry professionals operating in the United States.

The Program does not constitute legal, financial, investment, insurance, or licensed-professional advice, and it does not represent the participant before any insurance company, public agency, court, or regulatory body.

The Program does not guarantee financial results, contracts, insurance claim approvals, or specific business outcomes. Results depend on the participant’s individual effort, experience, market conditions, and factors outside of the Company’s control.

Enrollment in the Insurance Elite Program is open to contractors, business owners, and industry professionals who fully accept these Terms & Conditions at the time of purchase.

Participants must be at least eighteen (18) years of age and legally capable of entering into a binding contract under the laws of the United States and the state in which they reside.

Upon completion of enrollment, the participant receives access to the following components of the Insurance Elite Program:

• Live Mentorship. Weekly live mentorship sessions delivered on the schedule established by the Company.
• Platform Access. Three (3) months of access to the digital educational platform containing training modules, recordings, and program resources.
• Insurance Profit Summit LIVE. Admission to the Insurance Profit Summit LIVE event.
• El Imperio del Contratista. Admission to the El Imperio del Contratista event.
• YO DIGITAL AI Activation. Activation and onboarding for the YO DIGITAL AI system.
• CRM and Website Access. Access to the CRM tools and website resources provided as part of the Program.
• Insurance Elite Support. Access to the Insurance Elite support channels during the Program.
• Full-Payment Bonuses. Additional bonuses granted to participants who select the one-time full-payment option.
• Fast-Action Bonuses. Additional bonuses granted to participants who enroll within the fast-action window announced by the Company.

Program schedules, instructors, delivery formats, venues, and event dates may be modified when reasonably necessary. The Company reserves the right to remove any participant whose conduct is disruptive, unlawful, harassing, or otherwise inconsistent with the professional standards of the Program.

The total investment for the Insurance Elite Program is:

• One-Time Payment: $6,497 USD.
• Installment Plan: $7,497 USD, structured as an initial enrollment amount of $2,997 USD followed by three (3) additional payments of $1,500 USD each, on the schedule established at the time of enrollment.

All payments are processed in United States Dollars (USD) through authorized third-party payment processors. Authorized payment methods include major credit and debit cards, bank transfers, and other electronic payment methods expressly accepted by the Company at the time of enrollment.

The participant is responsible for any applicable taxes, transaction fees, or currency-conversion costs imposed by their financial institution. Failure to complete scheduled installment payments may result in suspension of Program access until the account is brought current.

5.1 Eligibility for Refund. A full refund may be requested only if access to the educational platform has not been provided within seventy-two (72) hours after payment confirmation.

5.2 Delivery of Services. Once access to the educational platform has been provided within that seventy-two (72) hour period, the service is considered delivered and no refund is available.

5.3 Application of the Policy. This refund policy applies only to participants who have completed the $2,997 USD initial enrollment amount. Payments below $2,997 USD reserve a place in the Program but do not grant mentorship access.

5.4 Incomplete Enrollment. If the participant does not complete the $2,997 USD enrollment amount, the initial partial payment is non-refundable, except where applicable law expressly requires otherwise.

5.5 Submitting a Refund Request. Refund requests must be submitted in writing to eventos@milegadoempiezahoy.com and must include the participant’s full name, program name, and date of purchase. Yo Legado LLC reserves the right to review refund requests in accordance with the terms of the program purchased.

All content, training materials, videos, presentations, templates, systems, frameworks, documents, recordings, and educational resources associated with the Insurance Elite Program remain the exclusive property of Yo Legado LLC.

• The participant may not reproduce, distribute, sell, copy, share, or publicly display Company materials without prior written authorization from Yo Legado LLC.
• Unauthorized use of Company intellectual property may result in immediate termination of Program access without refund and may subject the participant to legal action.
• The participant agrees to maintain the confidentiality of all business information, strategies, and materials shared during the Program and not to disclose them to any third party without the Company’s prior written consent.
• All trademarks, service marks, and trade names are the property of Yo Legado LLC or their respective owners.

The participant agrees to contact Yo Legado LLC support before initiating any chargeback, payment dispute, or formal claim. Good-faith communication with the Company is required prior to any external action.

Support communications must be sent to eventos@milegadoempiezahoy.com. The Company will review and respond to properly submitted support inquiries within a period of five (5) business days.

Initiating a chargeback or payment dispute before completing this review process, or in violation of the refund conditions set forth in Section 5, constitutes a material breach of these Terms & Conditions and may result in immediate termination of Program access and pursuit of any amounts owed, together with related costs.

Any dispute, controversy, or claim arising out of or relating to these Terms & Conditions, the Insurance Elite Program, or the relationship between the participant and Yo Legado LLC that is not resolved through the support review process described in Section 7 shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (AAA) under its then-current commercial arbitration rules.

Class-Action Waiver. The participant and Yo Legado LLC each agree that any arbitration or proceeding shall be conducted only on an individual basis and not as a class action, collective action, consolidated action, or representative action. The participant expressly waives any right to participate in a class or collective proceeding against Yo Legado LLC.

Judgment on the arbitrator’s award may be entered in any court of competent jurisdiction. Each party shall bear its own costs and attorneys’ fees except as otherwise provided by the arbitrator or applicable law.

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict-of-laws principles. Subject to the arbitration provisions in Section 8, any judicial proceeding permitted by these Terms & Conditions shall be brought exclusively in the state or federal courts located in Wyoming.

Electronic Signature Consent (ESIGN Act). By enrolling in the Insurance Elite Program, the participant expressly consents, under the U.S. Electronic Signatures in Global and National Commerce Act (ESIGN Act), to execute this agreement electronically and to receive communications, notices, and records related to the Program in electronic form.

Entire Agreement. These Terms & Conditions constitute the entire agreement between the participant and Yo Legado LLC regarding the Insurance Elite Program and supersede any prior understanding or communication, whether written or oral.

Severability. If any provision of these Terms & Conditions is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

No Waiver. The Company’s failure to enforce any right or provision shall not constitute a waiver of that right or provision.

Modifications. Yo Legado LLC reserves the right to update these Terms & Conditions at any time. Updates will be posted on this page with a revised “Last Updated” date. Continued participation in the Program after such changes constitutes acceptance of the updated Terms.

Limitation of Liability. To the maximum extent permitted by law, Yo Legado LLC shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from participation in the Program. The Company’s total aggregate liability for any claim arising out of or relating to these Terms & Conditions shall not exceed the amount paid by the participant for the specific Program giving rise to the claim.

Contact. For any questions regarding these Terms & Conditions, please contact: