Effective Date: July 26, 2025
The following Terms and Conditions (“Agreement”) govern your use of the Legacy Rates website and services (the “Site”), operated by Legacy Rates (“Company,” “we,” “our,” or “us”). By accessing or using the Site, you agree to be bound by these Terms and Conditions. If you do not agree with these Terms, do not use the Site.
We reserve the right to update or modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting on the Site. Continued use of the Site after modifications constitutes your acceptance of the revised Terms.
You may only use the Site if you are 18 years of age or older and domiciled in the United States.
1. Services
Legacy Rates provides lead generation and related financial services (“Services”), including connecting users with providers of financial products and insurance (“Leads”). Leads may include consumer information and are delivered to clients according to mutually agreed-upon service agreements or insertion orders (“IOs”).
We do not provide insurance, financial, or tax advice and are not responsible for the conduct of third-party providers. All decisions based on information provided through the Site are the responsibility of the user.
2. User Information
When using the Site, you may provide personal information, including but not limited to:
- Name, address, phone number, and email
- Age, gender, household, and income information
- Medical or financial information as relevant to requested services
By submitting your information, you consent to its use for providing leads, matching with providers, and for marketing communications as described in our Privacy Policy. You are responsible for the accuracy of all information submitted.
You may opt out of marketing communications at any time as outlined in our Privacy Policy.
3. Client and Provider Obligations
3.1 Clients
Clients are responsible for:
- Complying with all applicable laws, including telemarketing regulations and the Telephone Consumer Protection Act (TCPA)
- Managing account access and safeguarding passwords
- Paying all fees and charges per the agreed-upon schedule in the IO or service agreement
Clients may use the Site and leads only for lawful purposes and must not resell or share lead information with unauthorized third parties.
3.2 Providers / Publishers
Providers generating leads for Legacy Rates agree to:
- Submit only accurate and consented lead data from U.S.-based sources
- Avoid incentivized, misleading, or fraudulent lead-generation practices
- Maintain confidentiality of all data received from Legacy Rates
- Comply with TCPA and other telemarketing laws and provide evidence of consent upon request
All Qualified Leads submitted become the exclusive property of Legacy Rates clients and must not be resold or shared elsewhere.
4. Payment and Prepaid Accounts
- Payments are due per the IO or invoice terms. Late payments may incur fees of up to 2% per month or the maximum rate permitted by law.
- Prepayment accounts are non-refundable and not FDIC-insured.
- Auto-replenish accounts may be set up to maintain uninterrupted service.
If you encounter quality issues with leads, contact sales@slpfinancial.agency. Credit issuance is at our discretion.
5. Intellectual Property
The Site, including all content, code, design, and graphics, is owned by Legacy Rates and protected by U.S. intellectual property laws. Users may only view or print content for personal or internal business use. Reproduction, distribution, or commercial use without prior written consent is prohibited.
Trademarks, logos, or third-party content appearing on the Site remain the property of their respective owners.
6. Confidentiality
All confidential information, including business data, customer data, financials, and lead information, must be kept secure and used only for the purposes permitted by this Agreement.
Confidentiality obligations survive termination for a period of three (3) years or indefinitely for trade secrets.
7. Disclaimers and Limitation of Liability
The Site and Services are provided “as is” and “as available.” While we strive for accuracy and reliability:
- We do not guarantee uninterrupted, secure, or error-free service
- We disclaim all warranties, including merchantability or fitness for a particular purpose
- We are not liable for direct, indirect, or consequential damages, including lost revenue, profits, or data
You are responsible for retaining your own records and backup copies of all submitted information.
8. Termination
Legacy Rates may terminate your access at any time for violations of this Agreement or related agreements.
- Upon termination, all obligations regarding payments, confidentiality, and indemnification survive.
- Any pre-agreed payments for valid leads or services prior to termination remain due.
9. Indemnification
You agree to indemnify, defend, and hold harmless Legacy Rates, its affiliates, directors, officers, employees, and agents from claims, damages, or losses arising from your use of the Site, breach of this Agreement, or violations of applicable law.
10. Governing Law and Dispute Resolution
This Agreement is governed by the laws of the State of Wyoming, without regard to conflict of law principles.
Disputes not resolved informally will be submitted to binding arbitration in Laramie County, Wyoming, under the Commercial Rules of the American Arbitration Association.
11. Miscellaneous
- Force Majeure: Neither party is liable for delays caused by events beyond reasonable control, including natural disasters, war, strikes, or terrorism.
- Severability: If any provision is found invalid, the remaining provisions remain in effect.
- No Third-Party Beneficiaries: Only the parties to this Agreement and their permitted successors benefit from it.
- Non-Disparagement: Parties agree not to disparage each other during the term and for five (5) years afterward.
- Counterparts: This Agreement may be executed in counterparts, each of which is considered an original.
12. Acknowledgment
By using Legacy Rates’ platform and services, you confirm that you have read, understood, and agree to be bound by this Agreement.
For any questions, contact: sales@slpfinancial.agency