Terms and Conditions

Welcome to Legacy Financial (“we,” “our,” “us”). By accessing our financial services at legacyfinanical.ai or through any related platforms, applications, or products, you agree to comply with these Terms and Conditions ("Terms"). Please read these Terms carefully, as they constitute a legally binding agreement between you and Legacy Financial.

By using our services, creating an account, or accessing our platform, you agree to be bound by these Terms and Conditions, our Privacy Policy, and any additional terms to which you may agree when using certain services. If you do not agree to these Terms, please do not use our services.

Legacy Financial offers mortgage protection, budgeting, debt solutions, retirement planning,  financial planning, brokerage services, life insurance, and annuities. These services are subject to these Terms and are intended for users who meet the legal requirements to engage in activities in their respective jurisdictions.

To use our services, you must:

• Be at least 18 years of age, or the legal age of majority in your jurisdiction;
• Have the legal capacity to enter into binding agreements;
• Meet any additional eligibility requirements for specific services.

By using our services, you confirm that you meet these requirements.

To access certain features of our platform, you may be required to register an account. You agree to:

• Provide accurate and current information during registration;
• Maintain the confidentiality of your account credentials;
• Notify us immediately of any unauthorized access to or use of your account.

We reserve the right to terminate or suspend your account if any information provided is found to be inaccurate, incomplete, or otherwise in violation of these Terms.

You agree to use our services in compliance with all applicable laws and regulations and will not:

• Use our services for any unlawful purposes, such as money laundering, fraud, or terrorism financing;
• Access our platform through automated means, including bots or scraping tools, without our permission;
• Disrupt or interfere with the security or integrity of our services.

By using our services, you agree to pay any applicable fees or charges as described in our [Fee Schedule] or communicated to you during account registration or service usage. Failure to pay these fees may result in suspension or termination of your account.

We are committed to protecting your privacy. Please refer to our Privacy Policy for information on how we collect, use, and protect your data. By using our services, you consent to the collection and use of your information as described in the Privacy Policy.

Our platform may contain links or references to third-party services. We do not endorse these services, nor are we responsible for their content, terms, or privacy practices. You agree that we shall not be liable for any damages arising from your use of third-party services.

To the fullest extent permitted by law, [Your Company Name] shall not be liable for any direct, indirect, incidental, or consequential damages, including but not limited to:

• Loss of data, or business arising from the use of, or inability to use, our services;
• Errors, delays, or interruptions in service, whether due to third-party partners or unforeseen events;

You agree to indemnify and hold Legacy Financial harmless from any claims, damages, losses, or expenses (including legal fees) arising from your use of our services, your breach of these Terms, or any violation of applicable laws.

We may update these Terms periodically. The updated version will be effective as of the "Last Updated" date. Continued use of our services constitutes your acceptance of the amended Terms. If you do not agree with the changes, please discontinue your use of our services.

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and without prior notice. Upon termination, your right to use our services will immediately cease.

These Terms and your use of our services shall be governed by and construed in accordance with the laws of respective jurisdictions. You agree to submit to the personal jurisdiction of the courts located within the state of Michigan to resolve any disputes arising out of or relating to these Terms.