Terms of Service

This website, legacymethod.org (the "Site"), is operated by Ripwater LLC ("we" or "us"). By using the Site, you agree to these Terms of Service and to use the Site in accordance with these terms, our Privacy Policy, and any additional terms that apply to a particular service you request. If you do not agree, please do not use the Site.

These terms apply to this Site. They do not replace the terms of a separate website, advisor, insurer, or other provider whose services you may choose to use. We may revise these terms by posting an updated version on this page. Changes apply prospectively, subject to any notice or consent required by applicable law.

Educational Information and Consultations

The Site provides general educational information and a way to request resources and consultations. Website content is not individualized investment, insurance, tax, or legal advice. Visiting the Site or submitting an inquiry does not itself establish an advisory, professional, or fiduciary relationship. Any professional services are subject to a separate agreement with the provider.

Financial and insurance strategies involve costs, conditions, and risks. Their suitability depends on your circumstances. Examples and testimonials do not guarantee results. Consult qualified professionals before making financial, insurance, tax, or legal decisions.

Intellectual Property Rights

Our Limited License to You

The Site and its materials are owned by us or the respective rights holders and are protected by copyright, trademark, and other intellectual property laws. You may access the Site and download resources made available for your personal, noncommercial use. You may not reproduce, distribute, sell, or modify protected material without permission, except as permitted by law. Nothing in these terms grants ownership of any third party's name, trademark, or content.

Information You Submit

You are responsible for the accuracy of information you submit and for having authority to provide it. We may use your submission to respond to your request and operate the Site as described in our Privacy Policy. Do not submit unlawful material or information that infringes another person's rights.

Linking and Framing

You may link to the Site if your link does not falsely imply our sponsorship or endorsement. You may not frame or reproduce protected Site content within another service without permission, except as permitted by law.

Acceptable Use

Do not use the Site for unlawful activity, interfere with its operation, attempt unauthorized access, introduce malicious code, or misuse inquiry forms to send spam or deceptive information.

Communications and Text Messaging

If you request information or a consultation, we may contact you about that request using the details you provide. Marketing text messages require a separate opt-in; providing a phone number alone is not consent to marketing texts. Any optional messaging program will identify its sender and provide its consent, frequency, rates, help, and opt-out terms at signup. Consent to marketing texts is not a condition of purchase.

We do not sell, rent, or share mobile phone numbers, SMS opt-in data, or SMS consent status with third parties or affiliates for their marketing or promotional purposes. See our Privacy Policy for more information and contact details for communication preferences.

Third-Party Websites and Services

The Site may link to other websites or use third-party forms and scheduling services. A link does not itself imply endorsement or sponsorship. Third parties are responsible for their own content, services, and terms. Any purchase on another website is governed by that seller's purchase terms and refund policy. These terms do not create a separate refund guarantee for those purchases.

Disclaimers and Limitation of Liability

To the extent permitted by law, the Site and its information are provided as available, without warranties of accuracy, completeness, uninterrupted availability, or fitness for a particular purpose. We may correct, change, or remove content and features.

To the extent permitted by applicable law, Ripwater LLC and its affiliates and service providers are not liable for indirect, incidental, special, or consequential damages arising from use of or inability to use the Site. Nothing in these terms excludes liability or limits consumer rights that cannot lawfully be excluded or limited.

Copyright Concerns

If you believe material on the Site infringes your copyright, contact us with your contact details, identification of the copyrighted work, and the location of the material in question. We will review the request and respond as appropriate under applicable law.

Dispute Resolution

These terms are governed by the laws of the State of Utah, subject to applicable consumer protections. To the extent permitted by law, any dispute concerning these terms or use of the Site is subject to binding arbitration in Salt Lake City, Utah.

Class Action Waiver

To the extent permitted by law, disputes with us must be resolved on an individual basis, and not as a plaintiff or class member in a class, consolidated, or representative action. These provisions do not waive rights that applicable law does not permit you to waive.

Contact Information