These Terms govern your use of the Legacy Finance Group website and related online features. A separate written agreement may apply if you purchase services from us.
1. Acceptance of These Terms
By accessing or using this website, you agree to these Terms of Service and our Privacy Policy. If you do not agree, please do not use the website. You must be at least 18 years old and legally able to enter into an agreement to use services offered through this website.
2. Our Services
Legacy Finance Group provides credit education, credit-report review support, dispute guidance, personal action planning, progress support, and general information for entrepreneurs. The website also allows visitors to request consultations and learn about available services.
Website content is provided for general informational and educational purposes. Visiting the website or submitting a consultation request does not by itself create a client relationship.
3. Important Credit Information
- We are not a credit bureau, lender, creditor, or government agency.
- We do not control decisions made by credit bureaus, data furnishers, lenders, or other third parties.
- We do not promise a particular credit score, deletion, approval, funding result, or completion date.
- Accurate and current negative information generally cannot be removed merely because it affects a credit score.
- You may dispute inaccurate or incomplete credit-report information yourself without hiring a credit repair company.
Nothing on this website is legal, tax, accounting, lending, or investment advice. Consult an appropriately licensed professional when you need advice for your specific circumstances.
4. Your Responsibilities
You agree to provide complete and accurate information, use the website only for lawful purposes, and submit only information that belongs to you or that you are authorized to provide. You remain responsible for reviewing documents, communications, reports, and recommended actions before making decisions or sending information to a third party.
You are also responsible for protecting account credentials, credit reports, identity documents, and other sensitive information in your possession.
5. Consultations, Fees, and Service Agreements
A consultation request is not an acceptance of you as a client and does not guarantee that a particular service is available or appropriate. If you choose to purchase services, the scope, timing, price, payment terms, cancellation rights, and any refund terms will be stated in a separate written agreement and required disclosures.
If these website Terms conflict with a signed service agreement, the signed agreement controls for the services covered by that agreement, subject to applicable law.
6. Third-Party Websites and Services
The website links to services we do not operate, including Jotform, Lozano Innovation Enterprises, credit bureaus, and other external resources. Those services have their own terms and privacy practices. We are not responsible for their content, availability, security, or actions. A link does not mean that we guarantee or endorse every statement, product, or service on the linked site.
7. Acceptable Use
You may not misuse the website, attempt unauthorized access, interfere with its operation, introduce malicious code, scrape or copy content at scale, impersonate another person, submit false information, or use the website to violate another person’s rights or applicable law.
8. Intellectual Property
The website’s design, text, graphics, logos, photographs, and other original content are owned by or licensed to Legacy Finance Group and are protected by applicable intellectual-property laws. You may use the website for personal, noncommercial purposes. No other license is granted without written permission.
9. Website Disclaimers
To the fullest extent permitted by law, the website is provided “as is” and “as available.” We do not warrant that the website will always be available, error-free, secure, or complete, or that its content will fit every situation. Credit laws, reporting practices, third-party procedures, and website content can change.
10. Limitation of Liability
To the fullest extent permitted by law, Legacy Finance Group and its owners, affiliates, personnel, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from website use, inability to use the website, reliance on general website content, or third-party services. Nothing in these Terms excludes liability that cannot legally be limited or excluded.
11. Changes and Availability
We may update these Terms or modify, suspend, or discontinue website features from time to time. Updated Terms will be posted on this page with a revised effective date. Your continued use after an update means you accept the revised Terms.
Any separate signed service agreement may specify governing law, venue, dispute procedures, and additional rights or obligations. Otherwise, these Terms are governed by applicable law.
12. Contact Us
Questions about these Terms can be submitted through our contact page. Please do not include Social Security numbers, full account numbers, passwords, or other highly sensitive information in a general inquiry.