Terms of Service

These Terms of Service constitute a legally binding agreement between you and LegacyBridge Financial. By accessing our website or using our services, you agree to be bound by these terms.

1. Acceptance of Terms

By accessing our website, scheduling consultations, or utilizing any of our financial planning services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these terms, please do not use our services.

2. Description of Services

LegacyBridge Financial provides comprehensive financial education, planning, and consultation services designed to help individuals and families achieve their financial goals. Our services include:

• Personalized budgeting strategies and comprehensive financial assessments
• Strategic approaches to reduce and eliminate debt obligations
• Analysis of insurance needs and protection strategies
• Long-term planning for financial independence and retirement readiness
• Business financial planning and guidance
• Home buying preparation and mortgage guidance

3. Financial Disclaimer

The information provided by LegacyBridge Financial through our website, consultations, educational materials, and services is for general educational and informational purposes only. It should not be construed as personalized financial, investment, tax, or legal advice.

You acknowledge and agree that:

• We do not guarantee any specific financial outcomes or results
• Past performance does not guarantee future results
• All financial decisions carry inherent risks
• You should consult with qualified licensed professionals before making significant financial decisions
• Our educational content is not a substitute for professional financial, legal, or tax advice

4. User Responsibilities

As a user of our services, you agree to:

• Provide accurate, current, and complete information when requested
• Maintain the confidentiality of any account credentials or secure information
• Use our services only for lawful purposes and in compliance with all applicable laws
• Not attempt to interfere with, disrupt, or gain unauthorized access to our systems
• Respect the intellectual property rights of LegacyBridge Financial and third parties
• Not misrepresent your identity or affiliation with any person or entity

5. Intellectual Property

All content on the LegacyBridge Financial website and in our materials, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, and software, is the exclusive property of LegacyBridge Financial or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent, except for personal, non-commercial use.

6. Limitation of Liability

To the fullest extent permitted by applicable law, LegacyBridge Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Financial losses resulting from following our educational content
• Any other intangible losses

Our total liability for any claims arising from your use of our services shall not exceed the amount you paid to us, if any, during the twelve months preceding the claim.

7. Indemnification

You agree to indemnify, defend, and hold harmless LegacyBridge Financial, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of our services, your violation of these Terms, or your violation of any rights of another party.

8. Termination

We reserve the right to terminate or suspend your access to our services at any time, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use our services will immediately cease.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which LegacyBridge Financial maintains its principal place of business, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or our services shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

10. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of our services after any such changes constitutes your acceptance of the new Terms.

11. Contact Us

If you have any questions about these Terms of Service, please contact us: