Terms of Service

1. Agreement to Terms

By accessing and using the Legacy Wealth Advisory website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

Legacy Wealth Advisory provides wealth management, estate planning, succession planning, and related financial advisory services. Our services are designed to help clients protect and grow their wealth through professional guidance and customized strategies.

3. Professional Relationship

Advisory Relationship

When you engage our services, we will act as your financial advisor and may act in a fiduciary capacity, depending on the nature of the services provided. We will provide advice that we believe is in your best interest based on the information you provide to us.

Client Responsibilities

You agree to:

• Provide accurate and complete financial information
• Promptly notify us of any material changes in your financial situation
• Review all recommendations and documentation carefully
• Make independent decisions regarding our recommendations

4. Fees and Compensation

Our fee structure will be disclosed to you before we begin providing services. Fees may be charged as:

• Asset-based fees calculated as a percentage of assets under management
• Hourly fees for specific consultation services
• Project-based fees for specific engagements
• Commission-based compensation for certain product sales

5. Investment Risks

All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. We cannot guarantee that our recommendations will achieve your financial objectives or that you will not experience losses.

6. Confidentiality

We will maintain the confidentiality of your personal and financial information in accordance with applicable privacy laws and professional standards. We will not disclose your information to third parties without your consent, except as required by law.

7. Website Use

Permitted Use

You may use our website for lawful purposes only. You agree not to:

• Use the website for any fraudulent or illegal purpose
• Interfere with or disrupt the website's operation
• Attempt to gain unauthorized access to our systems
• Reproduce, distribute, or modify website content without permission

Intellectual Property

All content on our website, including text, graphics, logos, and software, is owned by Legacy Wealth Advisory or our licensors and is protected by copyright and other intellectual property laws.

8. Disclaimers and Limitations

No Warranty

Our website and services are provided "as is" without warranties of any kind. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

To the maximum extent permitted by law, Legacy Wealth Advisory shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services.

9. Regulatory Compliance

Legacy Wealth Advisory operates in compliance with applicable securities laws and regulations. We are subject to regulatory oversight and maintain appropriate licenses and registrations as required by law.

10. Termination

Either party may terminate our advisory relationship with written notice. Upon termination, we will provide you with any records and information you are entitled to receive, and you will be responsible for any fees incurred up to the termination date.

11. Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through binding arbitration in accordance with the rules of the applicable arbitration organization, unless prohibited by law.

12. Governing Law

These Terms of Service are governed by the laws of Ontario, Canada, without regard to conflict of law principles.

13. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted on our website. Your continued use of our services constitutes acceptance of the modified terms.

14. Contact Information

If you have questions about these Terms of Service, please contact us: