Terms & Conditions

1. Use of Our Services

1.1 Eligibility

You must be at least 18 years old to access and use our services. By using our services, you confirm that you meet this requirement and have the legal capacity to enter into a binding agreement.

1.2 Intended Use

Legacy Capital Alliance LLC provides financial services, including loan products, to individuals and businesses. You agree to use our services only for lawful purposes and in accordance with these Terms. You also agree not to:

• Provide false, misleading, or inaccurate information.
• Use our services for fraudulent, illegal, or unauthorized purposes.
• Interfere with the proper functioning of our website or services.

1.3 Account Security

If you create an account with us, you are responsible for maintaining the confidentiality of your login credentials. You must notify us immediately of any unauthorized use of your account.

2. Loan Terms and Conditions

2.1 Loan Application and Approval

Applying for a loan with Legacy Capital Alliance LLC does not guarantee approval. All loan applications are subject to underwriting, verification, and approval based on our lending criteria.

2.2 Loan Repayment

If approved for a loan, you agree to repay the loan amount according to the terms outlined in your loan agreement. Failure to make timely payments may result in penalties, additional fees, and legal action.

2.3 Interest Rates and Fees

Loan interest rates and fees vary based on the loan type and borrower qualifications. All applicable rates, fees, and repayment terms will be disclosed in the loan agreement before funding.

3. SMS Communications

3.1 Program Description

By opting in to the Legacy Capital Alliance SMS Program, you agree to receive text messages related to loan updates, reminders, financing offers, customer service, and promotional messages.

3.2 Opt-Out

To stop receiving SMS messages, reply "STOP" at any time.

3.3 Rejoining

To rejoin after opting out, text "START" to the original number or contact our support team.

3.4 Help

For help, reply "HELP" to any message or contact us at processing@legacyhml.com.

3.5 Message and Data Rates

Message and data rates may apply. You are responsible for any charges from your mobile carrier. Wireless carriers are not liable for delayed or undelivered messages.

3.6 Compliance

All SMS communications comply with applicable laws, including the TCPA and CTIA guidelines.

4. Privacy and Data Use

By using our services, you consent to the collection and use of your information in accordance with our Privacy Policy.

5. Third-Party Services and Links

Our website may include links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of these third-party services.

6. Disclaimer of Warranties and Liability

6.1 No Guarantee of Loan Approval

Legacy Capital Alliance LLC does not guarantee loan approval or specific terms. Loan approvals are subject to our evaluation and underwriting process.

6.2 Limitation of Liability

To the fullest extent permitted by law, Legacy Capital Alliance LLC is not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our services.

7. Dispute Resolution and Governing Law

Any disputes arising under these Terms shall be governed by the laws of the State in which Legacy Capital Alliance LLC operates. You agree to resolve any disputes through binding arbitration rather than court litigation.

8. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of our services constitutes acceptance of the updated Terms.