Terms of Service

Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you and Legacy Financial Management(“Company,” “we,” “us,” or “our”). By accessing our website, submitting an inquiry, or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please do not use our website or services.

Description of Services

Legacy Financial Management provides consumer credit repair and credit consulting services, including but not limited to:

• Review and analysis of consumer credit reports from the three major credit bureaus (Equifax, Experian, and TransUnion).
• Identification and disputing of inaccurate, outdated, unverifiable, or otherwise improper negative items on your credit reports.
• Credit education and coaching to help you understand your credit profile and improve your creditworthiness.
• Guidance on credit-building strategies for individuals and business owners.

Our services are subject to a separate service agreement that will be provided to you before any paid engagement begins, as required by the Credit Repair Organizations Act (CROA).

No Guaranteed Outcomes

Credit repair outcomes vary based on individual circumstances, including but not limited to the nature of negative items on your credit report, the accuracy of information reported by creditors, and your ongoing financial behavior. We do not and cannot guarantee specific results, including a specific credit score or the removal of any particular item from your credit report.

Any examples of results displayed on our website represent client experiences and are not a guarantee or promise of similar results for any other client.

Your Responsibilities

By using our services, you agree to:

• Provide accurate, truthful, and complete information about yourself and your credit situation.
• Not provide false or misleading information on any documents, forms, or communications.
• Review and understand the written service agreement provided before signing and before any services commence.
• Understand your right to cancel the service agreement within three (3) business days of signing, as provided under CROA.
• Use our website and services only for lawful purposes and in accordance with these Terms.
• Not attempt to access any portion of our systems that you are not authorized to access.

Your Rights Under Federal Law

Under the Credit Repair Organizations Act (CROA), 15 U.S.C. §§ 1679 et seq., you have the right to:

• Receive a written contract that describes the services to be performed, the terms of payment, and the estimated time to achieve the promised results.
• Cancel any signed contract without penalty or obligation within three (3) business days of signing.
• Sue a credit repair organization that violates the CROA.
• Not be charged any fee before the contracted services are fully performed.

You also have rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. §§ 1681 et seq., including the right to dispute inaccurate information in your credit file directly with the credit bureaus, free of charge.

Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Legacy Financial Management or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our express written permission.

Limitation of Liability

To the fullest extent permitted by applicable law, Legacy Financial Management shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages. Our total liability to you for any claims arising out of or related to these Terms or our services shall not exceed the total fees paid by you to us in the three (3) months preceding the claim.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or our services shall be resolved exclusively in the state or federal courts located in Hidalgo County, Texas, and you hereby consent to the personal jurisdiction of such courts.

Changes to These Terms

We reserve the right to modify these Terms at any time. We will post the updated Terms on this page with a revised “Last updated” date. Your continued use of our website or services after any such changes constitutes your acceptance of the revised Terms.

Contact Us

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