Last Updated: July 27, 2026

These Terms of Use govern your access to and use of this website and the services, features, information, and communications made available through it.

1. Agreement to These Terms

All information available through this website is the property of (the “Company,” “Fed Legacy,” “FedLegacy,” “we,” “us,” or “our”) or its information providers and is protected by copyright, trademark, and other intellectual property laws. All rights are reserved.

The Company operates this website to provide information, related features, and services (collectively, the “Service”). These Terms of Use constitute a legally binding agreement between the Company and you regarding the terms under which the Company provides access to the Service.

By accessing or using this website, you agree to these Terms of Use and all applicable laws and regulations. If you do not agree to these Terms of Use, you must not access or use the website or Service.

2. Informational Purpose; No Financial Advice

The information provided through this website is for general informational and educational purposes only.

The information is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would violate applicable law or subject the Company to an additional registration requirement.

Nothing on this website constitutes:

• A solicitation or offer to buy or sell securities, futures, options, insurance products, or other financial instruments;
• Individualized investment, tax, legal, accounting, insurance, or financial advice;
• A recommendation concerning any particular product, strategy, or transaction; or
• A guarantee of any financial, tax, investment, insurance, or retirement-planning result.

You should consult your own qualified financial, tax, legal, accounting, or insurance professional before making decisions based on information obtained through this website.

3. Ownership and Permitted Use

The website and all data, text, articles, graphics, photographs, video, audio, software, downloads, trademarks, logos, designs, and other materials made available through it are collectively referred to as the “Content.”

The Content belongs to the Company, its partners, licensors, affiliates, contributors, or other authorized third parties and may be protected under United States and international copyright, trademark, and other intellectual property laws.

You may access, download, print, and store limited portions of the Content solely for your personal, noncommercial use, provided that you:

1. Do not copy or post the Content on another website or network;
2. Do not transmit, distribute, publish, sell, broadcast, or commercially exploit the Content;
3. Do not modify, alter, remove, or obscure any copyright, trademark, attribution, or proprietary notice; and
4. Comply with these Terms of Use and all applicable laws.

No right, title, license, or ownership interest in the Content is transferred to you by your use of the website.

Without the Company’s prior written authorization, you may not reproduce, retransmit, disseminate, sell, publish, broadcast, license, rent, transfer, reformat, create derivative works from, or use the Content in connection with creating, promoting, trading, or marketing financial instruments, products, or services.

You may not use any trademark, service mark, trade name, logo, or other brand element appearing on the website without the prior written consent of its owner, except as expressly permitted by applicable law.

4. Acceptable Use and User Conduct

You agree not to:

• Interfere with the proper operation of the website or Service;
• Place an unreasonable or disproportionately large load on the website’s infrastructure;
• Attempt to gain unauthorized access to the website, its systems, accounts, databases, or networks;
• Circumvent security, authentication, access-control, or usage restrictions;
• Introduce malware, malicious code, automated scraping tools, or other harmful technology;
• Use the website or Content for any unlawful, fraudulent, misleading, abusive, or unauthorized purpose;
• Impersonate another person or misrepresent your identity, authority, or affiliation;
• Collect personal information about other users without authorization;
• Modify the Content except as expressly authorized by the Company; or
• Use the website in a manner that damages the Company, the Service, another user, or any third party.

The Company may suspend or terminate access to the website or Service when it reasonably believes these Terms have been violated.

5. Changes to the Website or These Terms

The Company may modify, suspend, restrict, or discontinue any portion of the website, Service, or Content at any time.

We may also revise these Terms of Use. When we make changes, we will update the “Last Updated” date shown at the top of this page. Your continued use of the website after revised Terms are posted constitutes your acceptance of those revised Terms to the extent permitted by applicable law.

We encourage you to review these Terms periodically.

6. Third-Party Websites and Services

The website may contain links to third-party websites, applications, information, or services. These links are provided for convenience only.

A link does not constitute or imply the Company’s endorsement, sponsorship, approval, or recommendation of the third party or its products, services, information, or practices.

The Company does not control and is not responsible for the availability, accuracy, security, privacy practices, content, products, or services of third-party websites. Your interactions with third parties are governed by their own terms and policies.

7. Personal Information and Privacy

Our collection, use, protection, and disclosure of personal information are described in our Privacy Policy, which is incorporated into these Terms of Use by reference.

By using the website or providing personal information, you acknowledge that you have reviewed the Privacy Policy.

8. SMS and MMS Messaging Terms

8.1 Messaging Programs

FedLegacy offers SMS and MMS messaging programs to consumers who expressly consent to receive messages from us.

Depending on the consent you provide, messages may include:

• Marketing messages: Federal retirement education, educational resources, webinar and event invitations, service information, promotions, and invitations to schedule a consultation.
• Informational and customer-care messages: Appointment confirmations and reminders, requested service updates, scheduling notifications, account-related communications, and responses to customer-service or Help Desk inquiries.

Marketing and informational or customer-care messaging are separate categories. Consent to receive one category of messages does not automatically enroll you in another category. You will receive only the categories of recurring messages to which you have affirmatively consented.

8.2 Consent to Receive Messages

By providing your mobile telephone number and affirmatively selecting the applicable SMS consent option, or by completing another clearly disclosed opt-in process, you expressly consent to receive recurring SMS or MMS messages from FedLegacy at the number provided.

These messages may be sent using automated technology. Your consent applies to the message category and program identified when you opt in.

Consent to receive marketing messages is not a condition of purchasing any product or service.

You represent that:

• You are the subscriber or customary user of the mobile number provided;
• You are authorized to provide consent for that number; and
• The number you provide is accurate and current.

If your mobile number changes or is reassigned, you agree to notify us or unsubscribe before discontinuing use of that number.

8.3 Message Frequency and Charges

Message frequency varies per user. Message and data rates may apply. Text HELP for help. Text STOP to unsubscribe. Carriers are not liable for delayed or undelivered messages.

Your wireless carrier’s standard messaging and data charges may apply to messages sent and received. Please contact your wireless carrier if you have questions about your messaging or data plan.

8.4 Opting Out

You may revoke your consent and unsubscribe from SMS or MMS messages at any time by replying STOP to a message from FedLegacy.

After submitting a STOP request, you may receive one final confirmation message stating that you have been unsubscribed. After that confirmation, you will no longer receive recurring messages from that sender unless you provide consent again.

Additional recognized opt-out keywords may include:

• CANCEL
• END
• QUIT
• UNSUBSCRIBE

The Company will process opt-out requests within a reasonable period and as required by applicable law and carrier rules.

8.5 Help and Support

For messaging assistance, reply HELP to a FedLegacy message.

You may also contact us at:

Fed Legacy
1717 K Street NW, Suite 900
Washington, DC 20006
Phone: 240.393.1284
Email: wsmith@legacyempower.com

8.6 Message Delivery

Message delivery depends on your wireless carrier, device, network availability, and other factors outside the Company’s control.

FedLegacy does not guarantee that messages will be delivered or received within a particular period. Carriers are not liable for delayed or undelivered messages.

The Company is not responsible for messages that are lost, delayed, misdirected, filtered, blocked, or otherwise not delivered because of network conditions, carrier actions, device settings, inaccurate contact information, or circumstances outside the Company’s reasonable control.

8.7 Mobile Information and Privacy

We use mobile information to administer our messaging programs, document consent, process opt-out requests, provide support, and deliver the communications you requested.

Mobile telephone numbers, SMS opt-in information, and messaging consent records will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

We may disclose mobile information to service providers that assist us in operating our messaging programs, including messaging platforms, telecommunications providers, and customer-support vendors, but only as necessary for those providers to perform services on our behalf.

All other categories of information sharing described in our Privacy Policy exclude text-messaging originator opt-in data and consent.

Additional information about how we collect, use, disclose, and protect personal information is available in our Privacy Policy.

8.8 Changes to Messaging Programs

FedLegacy may modify, suspend, or discontinue a messaging program at any time.

If we make a material change affecting your participation, we will provide notice when required by applicable law. Changes will not eliminate your right to opt out by replying STOP.

9. Disclaimer of Warranties

The website, Service, and Content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by applicable law, the Company disclaims all express, implied, statutory, and other warranties, including warranties of merchantability, fitness for a particular purpose, title, noninfringement, accuracy, availability, security, and reliability.

The Company does not warrant that:

• The website, Service, or Content will meet your requirements;
• Access will be uninterrupted, timely, secure, or error-free;
• Defects or errors will be corrected;
• The website or its servers will be free from viruses or harmful components; or
• The Content will be complete, accurate, current, or suitable for a particular purpose.

You are solely responsible for evaluating the accuracy, completeness, and usefulness of information obtained through the website.

Some jurisdictions do not permit certain warranty exclusions. In those jurisdictions, the exclusions apply only to the fullest extent permitted by law.

10. Limitation of Liability

If you are dissatisfied with the website, Service, Content, or these Terms of Use, your sole and exclusive remedy is to discontinue using the website.

To the fullest extent permitted by applicable law, the Company and its owners, officers, employees, agents, affiliates, licensors, service providers, and representatives will not be liable for any direct, indirect, incidental, consequential, exemplary, special, or punitive damages arising out of or relating to:

• Your use of or inability to use the website, Service, or Content;
• Errors, omissions, interruptions, defects, or delays;
• Loss of profits, revenue, data, programs, business opportunities, or goodwill;
• Unauthorized access to or alteration of your transmissions or information;
• Statements or conduct of any third party;
• Third-party websites, products, or services; or
• Any other matter relating to the website, Service, Content, or communications.

These limitations apply regardless of the legal theory asserted and even if the Company has been advised of the possibility of such damages.

Some jurisdictions do not allow certain limitations or exclusions of liability. In those jurisdictions, the Company’s liability will be limited to the fullest extent permitted by law.

11. General Provisions

11.1 Entire Agreement

These Terms of Use and the Privacy Policy constitute the entire agreement between you and the Company concerning your use of the website and Service and supersede prior written or oral agreements concerning that subject matter.

11.2 No Waiver

The Company’s failure to exercise or enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

11.3 Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

11.4 Governing Law and Venue

These Terms are governed by and interpreted under the laws of , without regard to its conflict-of-laws principles.

To the extent permitted by applicable law, you consent to the exclusive jurisdiction and venue of the state and federal courts located in for disputes arising from or relating to these Terms, the Privacy Policy, the website, the Service, or the Content.

11.5 Assignment

You may not assign or transfer your rights or obligations under these Terms without the Company’s prior written consent. The Company may assign its rights and obligations in connection with a merger, acquisition, reorganization, sale of assets, or operation of law.

11.6 Headings

Section headings are provided for convenience and do not affect the interpretation of these Terms.

12. Contact Information

Questions concerning these Terms of Use may be directed to:

1717 K Street NW, Suite 900
Washington, DC 20006
Phone: 240.393.1284
Email: marketing@legacyempower.com