Terms of Use

Welcome to the Financial Legacy Builders website (the "Site"). By accessing, browsing, or using this Site in any manner, you accept and agree to be bound by these Terms of Use ("Terms"). If you do not agree, you should discontinue use of the Site immediately.

These Terms apply to all users of this Site and supersede any prior agreements or understandings relating to Site use.

1. Intellectual Property & Permitted Use

All materials, including but not limited to text, graphics, images, logos, videos, and software on this Site, are the exclusive property of Financial Legacy Builders, LLC or its licensors and are protected under applicable U.S. and international copyright, trademark, and intellectual property laws.

You may use this Site only for personal, non-commercial purposes. Any unauthorized reproduction, distribution, modification, or commercial exploitation of Site content is strictly prohibited without prior written consent.

2. Eligibility & User Representations

By using this Site, you represent and warrant that:

• You are at least the age of majority in your jurisdiction, or you have parental/guardian consent.
• You will not use the Site for any unlawful purpose.
• You will comply with these Terms at all times.

We reserve the right to suspend or terminate access to this Site, in whole or in part, at our sole discretion and without notice, if we believe you have violated these Terms.

3. RIA Registration & No Solicitation

Financial Legacy Builders, LLC is a registered investment advisor regulated by the state of Ohio. Registration does not imply a certain level of skill or training.

This Site is intended for U.S. residents only and does not constitute an offer to provide advisory services in any jurisdiction where we are not appropriately registered or otherwise exempt. The presence of this Site does not constitute a solicitation to transact business unless specifically permitted under applicable law.

4. Informational Use Only

All information on this Site is provided strictly for educational and informational purposes. Nothing on this Site should be construed as:

• Personalized investment advice,
• An offer or solicitation to buy or sell any security, or
• A guarantee of future performance.

You should consult directly with a qualified financial, legal, or tax professional regarding your individual situation before making financial decisions.

5. Risk Disclosure

Investing involves risks, including the potential loss of principal. Past performance is not indicative of future results. Market conditions, economic trends, and other factors may materially impact investment outcomes.

6. External Links

This Site may contain links to third-party websites. Financial Legacy Builders is not responsible for the accuracy, reliability, or availability of content on external sites, and inclusion does not imply endorsement. Your use of third-party websites is at your own risk.

7. Security & Transmission of Data

While we use commercially reasonable safeguards, you acknowledge that information transmitted over the internet (except for encrypted payment information, if applicable) may be subject to interception and unauthorized access. Financial Legacy Builders is not responsible for breaches of security beyond our reasonable control.

8. Limitation of Liability

The Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Financial Legacy Builders disclaims liability for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of the Site,
• Reliance on Site content, or
• Inability to access the Site.

9. Modifications to Terms

We may update these Terms at any time without prior notice. The most recent version will be posted with a revised effective date. Your continued use of the Site after such modifications constitutes acceptance of the updated Terms.

10. Governing Law

These Terms are governed by the laws of the State of Ohio, without regard to conflict of law principles. By using this Site, you consent to the exclusive jurisdiction and venue of courts in Ohio.