Last Updated: January 7, 2026

Thank you for visiting Legacy Partners’ Internet website located at https://legacypartners.com/. Legacy Partners, its subsidiaries, affiliates, and any third parties acting on our behalf (“Legacy Partners,” “we,” or “us”) grants you access to our website, mobile applications, and other online services (collectively, the “Site”) conditioned on your acceptance of these Terms of Use (“Terms of Use”).

PLEASE READ THESE TERMS OF USE CAREFULLY. THESE TERMS OF USE CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND US, AND BY USING THE SITE, YOU AGREE TO BE BOUND AND ABIDE BY THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, YOU MUST CEASE USING THE SITE IMMEDIATELY.

Binding Arbitration

By accepting these Terms of Use, as detailed below, YOU AGREE TO RESOLVE ANY DISPUTE IN ANY WAY ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE SITE THROUGH BINDING ARBITRATION AND TO WAIVE YOUR RIGHTS TO PARTICIPATE IN A CLASS ACTION LAWSUIT. ACCORDINGLY, YOU AGREE TO GIVE UP YOUR RIGHT TO GO TO COURT (INCLUDING IN A CLASS ACTION PROCEEDING) to assert or defend your rights under these Terms of Use. Your rights will be determined by a NEUTRAL ARBITRATOR and NOT A JUDGE OR JURY and YOUR CLAIMS CANNOT BE BROUGHT AS A CLASS ACTION. Please review the section of these Terms of Use titled “Legal Disputes and Arbitration” for the details regarding your agreement to arbitrate any disputes with us.

Modifications to These Terms of Use

We reserve the right, in our sole discretion, to modify these Terms of Use at any time without notice to you. We will post all modifications to these Terms of Use on the Site and they will become effective immediately upon being posted to the Site. Your continued use of the Site following the posting of such modifications constitutes your acceptance of them. Therefore, you should check the Last Updated Date of these Terms of Use each time that you visit the Site and review any modifications made since the last time that you visited it.

Privacy Policy

We will treat all personal information that you choose to provide to us through the Site in accordance with our Privacy Policy (the “Privacy Policy”). By using the Site, you consent to the privacy practices set forth in the Privacy Policy.

Modifications to the Site

We may terminate, change, suspend or discontinue any aspect of the Site at any time without notice to you.

Proprietary Materials

The Site forms, content, information, trademarks and other proprietary materials that belong to us and our licensors are protected by copyright, trademark and other intellectual property laws (collectively, “Proprietary Materials”).

You should assume that everything on the Site is Proprietary Materials, and, except as otherwise explicitly provided on certain Proprietary Materials that you may access through the Site, you shall not copy, download, reproduce, distribute, publicly display, publicly perform, prepare derivative works of or otherwise use or exploit Proprietary Materials in any way without our prior written consent. Commercial use of Proprietary Materials is strictly prohibited. All rights not expressly granted herein are reserved to us and our licensors.

Reporting Claims of Copyright Infringement

Legacy Partners respects the intellectual property rights of others and takes claims of copyright infringement seriously. Legacy Partners will respond to claims of alleged copyright infringement that are properly brought to our attention and comply with applicable law, as set forth under the Digital Millennium Copyright Act of 1998 (“DMCA”). If you believe any materials on the Site infringe upon your copyright, please notify Legacy Partners via its designated registered DMCA agent. In order for your complaint to be effective under the DMCA, you must provide the following information in writing:

• Identification of the copyrighted work that you claim has been infringed or, if multiple works are claimed, a representative list of such works;
• Identification of the material that is claimed to be infringing and where it is located on the Site;
• Information reasonably sufficient to permit Legacy Partners to contact you, such as your e-mail address, mailing address, and/or telephone number;
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or law;
• A statement, made under penalty of perjury, that the above information is accurate, and that you are the copyright owner or are authorized to act on behalf of the copyright owner; and
• An electronic or physical signature of the copyright owner or a person authorized to act on behalf of the copyright owner.

The above information must be submitted via e-mail or mail to the following registered DMCA agent:

DMCA Designated (Registered) Agent
Account Information
Primary Contact: General Counsel
Legacy Partners
(833) 724-0051
ContactUs@LegacyPartners.com

Restrictions

You agree that you will not yourself or through any third party: (i) use the Site in a manner that violates applicable laws or the rights of third parties, including intellectual property laws and third-party rights with respect thereto; (ii) engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Site or which may harm us or other users of the Site; (iii) violate the security of the Site, including by using any device, software or routine that interferes with the proper functioning of the Site, accessing or attempting to access any systems or servers on which the Site is hosted, modifying or altering the Site in any way or forging headers, misrepresenting your identity or otherwise manipulating identifiers to deceive others; (iv) use automated data extraction tools or manual processes to extract Proprietary Materials from the Site; or (v) except as otherwise explicitly provided on certain Proprietary Materials that you may access through the Site, remove, conceal or alter any identification, copyright or other proprietary rights notices or labels on the Site or Proprietary Materials.

Site Security

While we use reasonable efforts to safeguard the security of the Site, there can be no guaranty that such safeguards will successfully prevent unauthorized alterations in the content or functionality of the Site. We assume no liability or responsibility for any unauthorized alterations in the content or functionality of the Site.

Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to us via the Site may be read or intercepted by others, notwithstanding Legacy Partners’ efforts to protect such transmissions. Legacy Partners makes no warranty whatsoever to you, express or implied, regarding the security of the Site, including with respect to the ability of unauthorized persons to intercept or access information transmitted by you through the Site.

You acknowledge and agree that you are solely responsible for maintaining the security of your devices. Legacy Partners is not responsible for any losses resulting from the loss or theft of your device, the loss or theft of your information transmitted from or stored on your devices, or any losses arising from the use of your device by someone whom you have given access.

Third-Party Websites

We may include links on the Site to third-party websites that we do not control or operate (each, a “Third-Party Website”). We are not responsible for any information, content, advertising, products, services or other materials on any Third-Party Website, and the presence of such links does not constitute our endorsement, approval or sponsorship of any Third-Party Website. If you choose to click to any Third-Party Website, you are doing so at your own risk and you will be subject to the Terms of Use of that website. Therefore, before interacting with any Third-Party Website, you should consult the legal terms governing the use of such Third-Party Website. We expressly disclaim any and all liability resulting from your use of any Third-Party Website.

International Use

The Site is not intended for use by persons in any jurisdiction or country where such use would be contrary to applicable laws or regulations. We may restrict your access to the Site during times when you are in a country other than the United States. You are responsible for compliance with all local laws.

None of the products or underlying information or technology available at this Site may be downloaded or otherwise exported: (i) to (or to a national or resident of) any country to which the United States has embargoed goods; or (ii) to anyone on the United States Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. By downloading from, or using the Site, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list. You further agree to indemnify Legacy Partners against any and all costs, liabilities, losses, or expenses arising from, or relating to, any asserted violation by you of any of the laws and administrative regulations of the United States relating to the control of exports of commodities and technical data.

Minors

The Site is not directed at children under the age of eighteen (18), and we do not knowingly collect personal information at this Site from any child under the age of eighteen (18).

Disclaimer

THE SITE AND PROPRIETARY MATERIALS ARE PROVIDED “AS-IS”, “WHERE-IS,” AND “AS-AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LEGACY PARTNERS HEREBY EXPRESSLY DISCLAIMS ON BEHALF OF OURSELVES AND OUR OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS (COLLECTIVELY, THE “LEGACY PARTNERS PARTIES”) ANY AND ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. NEITHER LEGACY PARTNERS NOR ANY OF THE LEGACY PARTNERS PARTIES REPRESENTS OR WARRANTS THAT THE SITE WILL BE ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED OR THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; NOR DOES LEGACY PARTNERS OR ANY OF THE LEGACY PARTNERS PARTIES MAKE ANY REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, RELIABILITY, TIMELINESS, QUALITY, PERFORMANCE OR SUITABILITY OF THE SITE OR PROPRIETARY MATERIALS.

No failure, omission, or delay on our part to exercise any right under these Terms of Use will preclude any other further exercise of that right or other right under these Terms of Use.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL LEGACY PARTNERS OR ANY OF THE LEGACY PARTNERS PARTIES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY (I) CONSEQUENTIAL, INCIDENTAL, EXEMPLARY, PUNITIVE, INDIRECT OR SPECIAL DAMAGES OF ANY NATURE ARISING FROM BREACH OF WARRANTY, BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER LEGAL THEORY, WHETHER IN TORT OR CONTRACT, EVEN IF SUCH PARTY HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING OR (II) DIRECT DAMAGES IN EXCESS OF ONE HUNDRED U.S. DOLLARS ($100).

Indemnification

You shall indemnify, defend, and hold harmless Legacy Partners from and against any and all claims, actions, damages, obligations, losses, liabilities, costs and expenses (including reasonable attorneys’ fees, costs of collection and other costs of defense) arising out of or relating to your use of the Site or Proprietary Materials or your violation of these Terms of Use. You further agree that you will cooperate fully in the defense of any such claims. We reserve the right, at our own expense to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without our written consent.

Termination of these Terms of Use

We may, without notice to you, immediately terminate these Terms of Use if you breach these Terms of Use or engage in conduct that we, in our sole discretion, believe is in violation of applicable law or our rights or the rights of other users of the Site. Upon termination of these Terms of Use, your right to use the Site and Proprietary Materials will immediately terminate.

Complete Agreement

These Terms of Use and the Privacy Policy constitute the entire agreement between you and us with respect to the subject matter hereof and thereof and supersede all prior and contemporaneous agreements, whether oral or written, between us and you with respect to the same.

Legal Disputes and Arbitration

Please Read This Following Clause Carefully- It May Significantly Affect Your Legal Rights, Including Your Right to File a Lawsuit in Court

Initial Dispute Resolution. We are available at ContactUs@LegacyPartners.com to address any concerns you may have regarding the Site or your access and use of it. Most concerns may be quickly resolved in this manner. You and Legacy Partners agree to use best efforts to settle any dispute, claim, question, or disagreement directly through consultation and good faith negotiations which shall be a precondition to either party initiating a lawsuit or arbitration.

Agreement to Binding Arbitration. If we and you do not reach an agreed upon solution within a period of thirty (30) days from the time informal dispute resolution is initiated pursuant to the above paragraph, then either party may initiate binding arbitration. We and you agree that any and all controversies or claims of any nature, including tort and statutory claims, in any way arising out of or relating to these Terms of Use (including their formation, performance, and breach), the Site or any relationship between you and us or you and any company or person employed by us, these and any policies or practices of any of the above-mentioned companies or persons (a “Dispute”) will only be resolved subject to FINAL AND BINDING ARBITRATION as set forth in this section, and may only be resolved through an individual arbitration governed by the Federal Arbitration Act to the maximum extent permitted by applicable law. You further agree that we shall not have a legal obligation to mitigate any of our potential or actual losses sustained hereunder.

WE AND YOU GIVE UP OUR RESPECTIVE RIGHTS TO GO TO COURT in connection with any Dispute and such rights will be determined by a NEUTRAL ARBITRATOR, NOT A JUDGE OR JURY. Any and all Disputes shall be settled by binding arbitration administered by the American Arbitration Association (AAA) in San Mateo County, California in accordance with the Commercial Arbitration Rules, excluding any rules or procedures governing or permitting class actions. The AAA rules are available at www.adr.org.

NEITHER WE NOR YOU SHALL BRING OR PARTICIPATE IN ANY CLASS ACTION OR OTHER CLASS PROCEEDING IN CONNECTION WITH ANY DISPUTE. We and you each further agree that any arbitration shall be conducted in your respective individual capacities only and not as a class action or other representative action, and you and Legacy Partners each expressly waive your respective right to file a class action or seek relief on a class basis. Neither we nor you agree to class arbitration or any other arbitration proceedings where a person brings a dispute as a representative of other persons.

Governing Law

All Disputes will be governed by and construed in accordance with the laws of the California without reference to the choice of law provisions of any jurisdiction.

Severability

If any provision of these Terms of Use is found to be invalid or unenforceable by a court of competent jurisdiction, the invalid or unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely matches the intent of the original provision, and the remainder of these Terms of Use will remain in full force and effect.

Contact Us

If you have any questions about these Terms of Use, please contact us at ContactUs@LegacyPartners.com.