Welcome to LEGACY 3 LLC. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services.
1. Acceptance of Terms
By accessing or using the LEGACY 3 LLC website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy.
2. Services Overview
LEGACY 3 LLC is a direct business lender providing various funding solutions, including but not limited to:
- Working capital loans
- Revenue-based financing
- Equipment financing
- Business expansion loans
- Invoice financing
All funding products are subject to approval and underwriting criteria. Not all applicants will qualify for funding.
3. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Have the authority to bind your business to a legal agreement
- Operate a legitimate business in good standing
- Provide accurate and truthful information in all applications and communications
4. Application Process
Submission
When you submit a funding application, you authorize LEGACY 3 LLC to:
- Verify the information you provide
- Obtain credit reports and business reports from credit bureaus
- Contact references and financial institutions
- Review your business financial statements and tax returns
No Guarantee of Approval
Submission of an application does not guarantee approval or funding. All applications are subject to underwriting review and approval criteria.
Accuracy of Information
You agree to provide accurate, current, and complete information. Providing false or misleading information may result in denial of your application or termination of services.
5. Loan Terms and Agreements
If your funding application is approved, you will receive a formal loan agreement or funding contract outlining:
- Loan amount or credit line
- Interest rate or factor rate
- Repayment terms and schedule
- Fees and charges
- Default provisions and remedies
You are responsible for carefully reviewing all loan documents before signing. Once signed, the loan agreement is legally binding.
6. Fees and Charges
LEGACY 3 LLC may charge various fees in connection with our services, including but not limited to:
- Origination fees
- Processing fees
- Late payment fees
- Returned payment fees
All applicable fees will be disclosed in your loan agreement before you accept funding.
7. Repayment Obligations
By accepting funding, you agree to repay the loan according to the terms outlined in your loan agreement. Failure to make timely payments may result in:
- Late fees and penalties
- Negative impact on your credit score
- Collection actions
- Legal proceedings
8. SMS Terms & Conditions
If you opt in to receive SMS or text messages from LEGACY 3 LLC, the following terms apply:
Consent to Receive Messages
By providing your mobile phone number and opting in, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from LEGACY 3 LLC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
Message Frequency
Message frequency varies; you may receive up to 4 messages per month. The actual number of messages may vary based on your interaction with our services and promotional activities.
Message and Data Rates
Message and data rates may apply based on your mobile carrier's plan. Please contact your wireless provider for details on your plan and any applicable charges.
Supported Carriers
Our SMS program is supported by major U.S. carriers, including AT&T, Verizon, T-Mobile, Sprint, and others. Carriers are not liable for delayed or undelivered messages.
How to Opt Out
You may opt out of receiving SMS messages at any time by replying STOP to any text message. After you send STOP, we will send you a confirmation message to acknowledge your opt-out request. You will no longer receive messages from LEGACY 3 LLC unless you opt in again.
How to Get Help
If you need assistance or have questions about our SMS program, reply HELP to any text message, or contact us at garry@thelegacy-3.com.
No Condition of Purchase
Consent is NOT a condition of purchase. You are not required to opt in to SMS messages to apply for or receive funding from LEGACY 3 LLC. Opting out will not affect your eligibility for our services.
Privacy
Your mobile phone number and SMS opt-in information are governed by our Privacy Policy. We do not share your SMS data with third parties for their own marketing purposes.
9. Website Use
Permitted Use
You may use our website for lawful purposes only. You agree not to:
- Use the website in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to our systems or networks
- Transmit viruses, malware, or other harmful code
- Engage in any activity that disrupts or interferes with our website or services
Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of LEGACY 3 LLC and is protected by copyright and trademark laws. You may not copy, reproduce, distribute, or create derivative works without our express written permission.
10. Disclaimers and Limitations of Liability
No Warranty
Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee that our website will be error-free, uninterrupted, or free from viruses or other harmful components.
Limitation of Liability
To the fullest extent permitted by law, LEGACY 3 LLC shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of our website or services, even if we have been advised of the possibility of such damages.
11. Third-Party Links
Our website may contain links to third-party websites for your convenience. We do not endorse or control these external sites and are not responsible for their content, privacy practices, or terms of use.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of our services shall be resolved in the courts located in Columbia, Tennessee.
13. Dispute Resolution
In the event of a dispute, you agree to first attempt to resolve the matter informally by contacting us at garry@thelegacy-3.com. If we are unable to resolve the dispute within 30 days, either party may pursue legal remedies.
14. Changes to These Terms
We reserve the right to modify or update these Terms at any time. We will post the updated Terms on our website with a revised "Last Updated" date. Your continued use of our services after any changes indicates your acceptance of the updated Terms.
15. Termination
We reserve the right to suspend or terminate your access to our website or services at any time, with or without cause or notice, including if you violate these Terms or engage in fraudulent or illegal activity.
16. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
17. Entire Agreement
These Terms, along with our Privacy Policy and any loan agreements you enter into with us, constitute the entire agreement between you and LEGACY 3 LLC regarding your use of our website and services.
18. Contact Information
If you have any questions or concerns about these Terms, please contact us:
LEGACY 3 LLC
509 E End St.
Columbia, TN 38401
Email: garry@thelegacy-3.com
By using our website and services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.