Terms and Conditions
Effective Date: December 2025
Welcome to LEGACY OVER LIFESTYLE (“Company,” “we,” “our,” or “us”). By accessing or using our website and services, you agree to be bound by these Terms and Conditions. Please read them carefully.
1. About Our Company
LEGACY OVER LIFESTYLE was established to support individuals who face financial challenges due to potential credit reporting errors, outdated information, or misunderstandings about how credit works. Our team has seen how such issues can impact opportunities, and we aim to provide general support through review processes, guidance, and educational resources.
While we strive to assist clients in improving their credit profiles, all services are provided on a best-effort basis, and results will vary depending on individual circumstances.
2. Use of Website
By using this website, you confirm that:
You are at least 18 years old
You are legally capable of entering into a binding agreement
You will use this website only for lawful purposes
You agree not to misuse the website or attempt unauthorized access to any part of it.
3. Nature of Services
We provide credit repair assistance and educational support, which may include:
Reviewing credit reports
Identifying potentially inaccurate or outdated information
Assisting with dispute-related processes
Providing general guidance and strategies
Important:
We do not:
Act as a credit bureau
Control credit reporting agencies or creditors
Make decisions regarding your credit profile
4. No Guarantee of Results
While our approach is results-driven, you acknowledge that:
We do not guarantee increases in credit scores
We do not guarantee the removal of any item from your credit report
Outcomes depend on third parties and factors beyond our control
Any testimonials or examples shown are not guarantees of similar results.
5. No Legal or Financial Advice
All content and services are provided for general informational and educational purposes only.
LEGACY OVER LIFESTYLE is not:
A law firm
A financial advisory firm
A tax advisory service
You should seek independent professional advice tailored to your situation.
6. Client Responsibilities
By using our services, you agree to:
Provide accurate, current, and complete information
Respond promptly to requests for information or documentation
Review communications and updates provided to you
Providing false or incomplete information may negatively affect outcomes.
7. Service Approach
Our services are guided by the following principles:
Transparency
We aim to clearly explain our processes so you understand your progress and options.
Compliance
We strive to follow applicable laws, regulations, and ethical practices in delivering our services.
Personalization
Strategies are based on your individual circumstances and the information you provide.
Education
We provide general information to help you better understand credit and maintain long-term financial awareness.
8. User Acknowledgment of Rights
You acknowledge that:
You have the right to obtain your credit reports independently
You have the right to dispute inaccurate information on your own at no cost
Our services are optional and intended to provide convenience, organization, and general support.
9. Payments and Fees
If you purchase services:
All fees will be disclosed before payment
You agree to the pricing and billing terms at checkout
Unless otherwise stated, fees may be non-refundable once services have started or been delivered.
10. Limitation of Liability
To the fullest extent permitted by law, LEGACY OVER LIFESTYLE shall not be liable for:
Any direct or indirect damages
Loss of financial opportunities or outcomes
Actions taken by credit bureaus, creditors, or third parties
Use of our services is at your own risk.
11. Third-Party Services
Our website may contain links to third-party websites or services. We are not responsible for:
Their content or accuracy
Any interactions or transactions you engage in with them
12. Intellectual Property
All content on this website, including text, branding, graphics, and materials, is the property of LEGACY OVER LIFESTYLE and is protected by applicable laws.
Unauthorized use, reproduction, or distribution is prohibited.
13. Termination
We reserve the right to suspend or terminate your access to services if:
These Terms are violated
Fraudulent or abusive behavior is suspected
14. Privacy
Your use of this website is also subject to our Privacy Policy, which outlines how we collect and use your information.
15. Changes to Terms
We may update these Terms at any time. Updates will be posted with a revised effective date.
Your continued use of the website constitutes acceptance of any changes.
16. Contact Information
If you have questions about these Terms, please contact:
LEGACY OVER LIFESTYLE
[Email Address]
[Phone Number]
17. Disclaimer
Our services are intended to assist in reviewing and addressing potentially inaccurate or outdated credit information. We do not promote or support the removal of accurate and verifiable information.
All actions are based on available data and applicable processes. Results are not guaranteed and will vary.
© 2025 All rights reserved.