Disclaimers

01

Not a Law Firm, Not Legal Advice

Legacy Buddy provides document creation tools, not legal advice. Legacy Buddy, LLC is not a law firm, is not a substitute for the advice of an attorney, and no attorney client relationship is created by using the Platform.

The Platform generates documents from the answers you give it, applying the execution requirements of the state you tell us you live in. That is a self help service. It is not the practice of law, and nobody at Legacy Buddy reviews your situation and advises you on it.

Communications with our support team are not privileged. They can explain how the Platform works, what a document contains and how your state expects it to be signed. They cannot tell you what to put in your will, whether a trust is right for you, or how the law applies to your circumstances.

Where a situation is beyond what software should decide, the Platform says so and routes you to a licensed professional rather than generating something that will not do the job.

02

No Financial, Tax or Investment Advice

Legacy Buddy is not a registered investment adviser, a broker dealer, a bank, an insurance agency or a tax adviser. Nothing on the Platform is a recommendation to buy, sell or hold any security, insurance product or other financial instrument.

Net worth figures, projections, goal timelines and any other numbers shown in Legacy Lens™ are estimates calculated from the information you have given us and from accounts you have chosen to connect. They are illustrative. They are not a statement of account balances, a valuation, a forecast or a guarantee of any outcome.

Tax treatment depends on your individual circumstances and on rules that change. Speak to a qualified tax professional before acting on anything that has a tax consequence.

03

The LQ™ Score Is a Measure, Not a Recommendation

The LQ™ Score is a readiness measure calculated from the information you provide and from any accounts you connect. It describes where your household stands today across four pillars. It is not a credit score, it is not held by any credit bureau, it is not reported to any lender or insurer, and it has no bearing on your ability to borrow.

A score is not advice and a recommendation attached to it is not advice either. Both are prompts to consider something, generated by rules and by automated systems rather than by a professional who knows you.

Point values shown anywhere on this website are illustrative examples. Your own score and its movement depend on your circumstances and on what you already have in place.

04

Documents, Validity and Execution

A document generated on the Platform is not valid until you execute it correctly. What makes a will, trust or power of attorney valid is capacity, clear terms, and signing according to the rules of your state, including witness requirements and, where applicable, notarisation.

We generate each document against the requirements of the state you tell us you live in and provide the signing checklist with it. If the information you give us is inaccurate or incomplete, or if you do not follow the execution steps, the resulting document may not do what you intend.

Laws change. A document that was correct when you signed it can be affected by a change in your state law, a move to another state, or a change in your family or finances. Keeping your plan current is a shared responsibility: the Platform flags what it can detect, and you tell it when your life changes.

• We do not guarantee any particular legal outcome.
• We do not guarantee that a document will be accepted by any court, institution or third party.
• We do not promise that any structure will avoid, shorten or simplify any legal process.
• We do not provide representation in any dispute or proceeding.

05

Independent Professionals

Attorneys, financial advisors, planners, CPAs and insurance producers available through Legacy Professionals™, Smart Review™ and Legacy Counsel™ are independent. They are not employees or agents of Legacy Buddy, LLC.

Their advice is their own and their professional responsibility runs to you. They set their own fees, agree their own scope with you, and carry their own licensing and insurance. Legacy Buddy verifies that a credential is current with the body that issued it before anybody is listed, and that verification is a check on licensure. It is not a warranty of the quality or the outcome of their work.

Legacy Buddy does not supervise, direct or review the professional judgement of any independent professional you engage.

06

Automated Systems and AI

Parts of the Platform use automated processing to generate documents, calculate your score and rank recommendations. Automated systems can be wrong, can misread an answer and can produce output that does not fit an unusual situation.

You remain responsible for reading any document before you sign it. Where something matters and you are not certain, Smart Review™ puts a verified legal professional on the finished document and Legacy Counsel™ is a consultation with an independent attorney.

Your rights in relation to automated decision making, including how to opt out, are set out in the Privacy Policy.

07

Information on This Website

Guides, articles, glossary entries, checklists and calculators on this website are general information about how estate planning works. They are not advice about your situation, they describe common cases rather than every case, and the law they describe differs between states and changes over time.

The document selector and any similar tool suggests which of our documents fit the household you describe in a handful of answers. It is a starting point for a conversation, not an assessment of your needs.

Statistics quoted on this website, including figures about how many American families have no estate plan, come from third party research and are cited to illustrate a general point rather than to describe any individual.

Reviews and family stories shown on this website describe the experience of the individuals quoted. They are not a promise of a similar experience or result.

08

Availability, Third Parties and Links

The Platform is provided on an as is and as available basis. We work to keep it running and accurate, and we do not warrant that it will be uninterrupted, error free, or that any defect will be corrected.

The Platform relies on third party services, including payment processing, account connection, storage and communications. Where a third party service fails or changes, parts of the Platform can be affected.

This website links to other websites we do not control. A link is not an endorsement, and we are not responsible for the content, accuracy or privacy practices of anything you reach by following one.

The full warranty disclaimer and the limits on our liability are set out in the Terms of Service, sections 21 and 22. This page summarises them in plain language; where the two differ, the Terms govern.

09

Trademarks

Legacy Buddy, Legacy Lens, LQ Score, Legacy Vault, Smart Review, Legacy Counsel, Legacy Starter, Legacy Complete, Legacy Unlimited and Legacy Professionals are trademarks of Legacy Buddy, LLC.

Other names, marks and logos referred to on this website belong to their respective owners and are used for identification only.

10

Questions About This Page

If anything here is unclear, or you think something on the Platform contradicts it, tell us and we will fix whichever one is wrong.