Terms & Conditions
Terms & Conditions
Last Updated: January 16, 2026
These Terms & Conditions (“Terms”) govern your access to and use of MyLifeBeyondDebt.com (the “Website”) and the educational content, materials, and services made available through the Website (collectively, the “Services”). The Website and Services are operated by Legacy Agent, LLC, a Michigan limited liability company with its principal place of business in Bloomfield Hills, Michigan (“Legacy,” “we,” “us,” or “our”).
By accessing or using the Website or Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Website or Services.
Educational Purpose Only
My Life Beyond Debt is a consumer education platform designed to provide general information related to debt education, financial awareness, and related topics. The content provided through the Website is for informational and educational purposes only and is not intended to constitute legal, tax, financial, or investment advice.
You acknowledge and agree that no information provided through the Website creates a fiduciary relationship between you and Legacy.
Licensed Professionals and Independent Agents
In some cases, individuals who engage with the Website may choose to speak with a licensed insurance or financial professional affiliated with Legacy Agent, LLC. Any insurance or financial products that may be discussed or offered are provided separately by appropriately licensed professionals and only at the request of the individual.
All such professionals operate as independent contractors or independent licensed professionals. Legacy does not supervise, direct, or control the advice, recommendations, or services provided by any licensed professional. Any insurance or financial transaction entered into is solely between you and the licensed professional and is governed by the laws of the state in which the professional is licensed.
No Guarantees or Results
Legacy makes no representations or guarantees regarding outcomes, results, savings, debt reduction, financial performance, or suitability of any strategy or product discussed through the Website or Services. Individual results may vary, and any reliance on the information provided is at your own risk.
Permitted Use
You agree to use the Website and Services only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the Website in any manner that violates applicable laws or regulations
- Submit false, misleading, or deceptive information
- Interfere with the operation or security of the Website
- Attempt to gain unauthorized access to any portion of the Website
Legacy reserves the right to suspend or terminate access to the Website for violations of these Terms.
Intellectual Property
All content on the Website, including text, graphics, logos, educational materials, and design elements, is owned by or licensed to Legacy and is protected by applicable intellectual property laws. You may view, download, or print content for personal, non-commercial use only. No content may be copied, reproduced, modified, distributed, or exploited without prior written consent from Legacy.
Third-Party Websites and Tools
The Website may contain links to third-party websites or tools. Legacy does not control and is not responsible for the content, accuracy, privacy practices, or availability of any third-party websites or services. Accessing third-party resources is done at your own risk.
Disclaimer of Warranties
THE WEBSITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. LEGACY MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. LEGACY DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
Limitation of Liability
To the fullest extent permitted by law, Legacy shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the Website or Services. Legacy’s total liability for any claim arising from these Terms shall not exceed one hundred dollars ($100).
Indemnification
You agree to indemnify and hold harmless Legacy and its affiliates, officers, employees, and representatives from any claims, damages, liabilities, or expenses arising out of your use of the Website, violation of these Terms, or interaction with any licensed professional.
Governing Law and Venue
These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to conflict-of-law principles. Any legal action arising out of or relating to these Terms or the Website shall be brought exclusively in the state or federal courts located in the State of Michigan, and you consent to the jurisdiction of such courts.
Changes to These Terms
Legacy may revise these Terms at any time. Any updates will be posted on this page, and continued use of the Website after changes are posted constitutes acceptance of the revised Terms.
Severability
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Entire Agreement
These Terms, together with the Privacy Policy, constitute the entire agreement between you and Legacy regarding your use of the Website and Services.
Contact Information
If you have any questions regarding these Terms, please contact:
Legacy Agent, LLC
Attn: Legal / Compliance
41000 Woodward Ave East, Building, Suite 350
Bloomfield Hills, MI 48304
Email: