Disclaimer:
This website is an information service provided by Legacy Credit & Debt Advisors (hereafter referred to as Legacy), with the express condition that all users agree to be bound by the terms and conditions set forth in this Terms of Use Agreement. Legacy reserves the right to change these terms and conditions at any time, and you agree to abide by the most recent version of this Terms of Use Agreement each time you view and use the website. You are accordingly advised to consult the Terms of Use Agreement each time you view and use the website. Whether you are a client of Legacy or a visitor to its website, DO NOT use the website if you do not agree with all of the following terms and conditions.

1. You acknowledge that the information on this website is provided as is for general information only. It is not intended to provide specific advice, and should not be relied upon as a substitute for consultations with qualified professionals who are familiar with your individual needs. No warranty of any kind is given regarding use of this website, including but not limited to any warranty of accuracy, completeness, currency, reliability, merchantability or fitness for a particular purpose, or any warranty that these pages, or the computer server which makes them available, are free of viruses or other harmful elements, and such warranties are expressly disclaimed.

2. You agree that you will hold harmless Legacy and its clients and employees from all claims arising out of or related to your access or use of, or your inability to access or use, this website or the information contained in this website or other web sites to which it is linked, including but not limited to claims that you have found something you have heard, viewed or downloaded from this website or any other website to which it is linked to be obscene, offensive, defamatory, or infringing upon your intellectual property rights. In no event will Legacy or any of the information contributors to the website be liable to you or anyone else for any decision made or action taken by you in reliance on such information or for any consequential, special or similar damages, even if Legacy has been advised of the possibility of such damages.

3. You acknowledge that the opinions and recommendations contained in this website are those of Legacy, alone. Any material created by a client of Legacy remains the responsibility of the said client and Legacy does not accept liability and responsibility related to said material.

4. Links on the website to other web sites may not be under the control of Legacy. These links are provided for convenience or reference only and are not intended as an endorsement of the organization or individual operating the website or a warranty of any type regarding the website or the information on the website.

5. You may provide hypertext links to this website on another website, provided that: (a) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with the Legacy name and trademarks, (b) the appearance, position and other aspects of the link may not create the false appearance that an entity other than Legacy is associated with or sponsored by Legacy, (c) Legacy reserves the right to revoke its consent to any link at any time at its sole discretion by amending this Terms of Use Agreement.

6. The works of authorship contained in this website, including but not limited to all design, text and images, are owned or licensed by Legacy or its suppliers and contributors, and may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored by subsequent use or otherwise used in whole or in part in any manner without Legacy prior written consent, except that the user may make such temporary copies in a single computer s RAM and hard drive as is necessary to browse the website, and that the user may produce one permanent printout of each page of the website (unmodified in form, with a copy of this Terms of Use Agreement attached) to be used by the user for personal and non-commercial uses which do not harm the reputation of Legacy.