This section exists to prevent confusion.

Financial Wellness™ (Free)

Purpose: Fast clarity + routing
Includes:

• a short session to identify your primary pressure point

• a clear set of next steps (“your next 1–3 moves”)

• a tier recommendation if ongoing work is needed

Not included:

• rebuilds, dashboards, automation, or ongoing monitoring

Flow Monitor™ (Paid)

Purpose: Consistency + guardrails

Includes:

• a lightweight monitoring workflow

• drift detection (where you’re slipping and why)

• monthly adjustment guidance (what to change next)
  Not included:

• full system rebuild

• advanced forecasting, field-level risk modeling, or automation builds

Structural Diagnostic™ (Paid)

Purpose: Full rebuild of your money system

Includes:

• a rebuilt structure for spending, bills, buffers, and stability

• category logic + operating rules (what gets funded, when, and why)

• variability handling (irregular income, uneven expenses, seasonality)

• debt-pressure pacing strategy (structure, not creditor negotiation)
  Not included:

• ongoing field monitoring, automated control layers, or predictive management unless added

Control/Growth Design™ (Paid)

Purpose: Advanced control layer

Includes:

• everything in Structural Diagnostics (full rebuild + operating rules)

• tracks stability across time and across financial fields (accounts, cards, obligations, timing cycles)

• Credit pacing + interest/fees pressure awareness

• Risk corridor detection (where instability is forming before it becomes damage)

• Stability prescriptions (what to adjust, when, and how hard)

• pacing rules that prevent credit spiral and buffer collapse

Not included:

• tax filing, legal services, investment advice, or investment execution

• acting as your representative with banks/creditors/collections

• guarantees of outcomes (savings %, debt reduction %, income increases)

• unlimited on-demand work outside the agreed workflow

Important: Control/Growth Design is designed to prevent drift and collapse, not just organize spending. It is a control layer for clients who want long-term stability under pressure.

3.1 Booking

Booking is handled through third-party scheduling tools. You’re responsible for selecting a tier, but if unsure, start with Quick Check.

3.2 Payments (Stripe)

Paid services may require full payment or a deposit to confirm your booking. Payments are processed through Stripe, and we do not store your full payment card details on our own servers.

3.3 Client responsibilities

To get meaningful results, you agree to:

• provide accurate information to the best of your ability

• upload documents or authorize connected-account access you want reviewed, if applicable

• confirm that you have the right to share or connect any account, file, transaction history, statement, or other financial information you provide

• communicate urgent deadlines, constraints, or known data issues

• show up prepared to engage honestly

You remain responsible for your financial decisions and outcomes.

4.1 What financial data intake is for

Financial data intake helps us prepare before your session so time is spent building clarity, not searching for data.

Depending on the service, Legacy Systems may review information such as transactions, statements, budgets, cash flow records, account activity, spending categories, balances, obligations, and other information you choose to provide or authorize.

4.2 Approved intake methods

Financial data may be submitted or authorized through approved intake methods, which may include:

• CSV transaction exports

• PDF statements

• secure upload links

• intake forms

• connected-account access through Plaid or another approved financial data provider

• other approved methods we provide in writing

Do not send sensitive financial files through unapproved channels unless we specifically instruct you to do so.

4.3 File uploads

If you upload transactions, statements, or files through our uploader link, those files may be stored and handled through Google Drive or another approved secure storage workflow.

Google Drive files are private unless shared intentionally. You remain responsible for making sure the files you upload are accurate, complete, and appropriate for the requested service.

4.4 Connected-account access

If connected-account access is offered, you may be able to authorize Legacy Systems to receive financial account data through Plaid or another approved financial data provider.

Connected-account access is optional unless a specific service description or written agreement says otherwise.

Connected-account access is intended for read-only transaction intake, cash-flow review, budgeting support, categorization, system design, and related analysis. Unless separately agreed in writing, Legacy Systems does not use connected-account access to move money, initiate payments, transfer funds, verify accounts for payment activity, or control your accounts.

4.5 Plaid and third-party financial data providers

Plaid or another approved provider may be used to help you securely connect eligible accounts and share financial data with Legacy Systems.

When you use a third-party financial data provider, you may also be subject to that provider’s own terms, privacy policy, consent flow, and data handling practices.

Legacy Systems does not collect or store your online banking username or password through the website.

4.6 What financial data may be received

Depending on the account, institution, provider, service tier, and permissions you authorize, Legacy Systems may receive or process information such as:

• account names, account types, institution names, and partial account identifiers

• transaction history

• transaction dates, descriptions, merchants, amounts, categories, and status

• balances, if needed and authorized

• account metadata needed to organize and analyze the data

We will request and use only the information reasonably needed to provide the Services.

4.7 What you should upload or authorize

Examples:

• bank transactions, CSV preferred

• credit card transactions, CSV preferred

• statements, PDF acceptable

• transaction exports from budgeting or finance tools

• account connections needed for budgeting, cash-flow, or financial systems review

4.8 What you should NOT upload or share

Do not upload, submit, or share:

• Social Security numbers

• full card numbers

• passwords

• authentication codes

• medical records or protected health information (PHI)

• documents unrelated to the requested service

• account access belonging to another person unless you have legal authority to provide it

If you accidentally provide sensitive information we did not request, contact us immediately.

4.9 Authorization

By uploading files, submitting financial information, or connecting accounts, you confirm that:

• you have the right to share or authorize access to the information

• the information is accurate to the best of your knowledge

• you authorize Legacy Systems to use the information for the limited purpose of providing the requested Services

• you understand that connected-account access may remain active until removed, revoked, expired, or no longer needed under our retention policy

4.10 Connection removal

For one-time or diagnostic services, Legacy Systems may remove connected-account access after the service is completed, after a follow-up window has passed, or when the connection is no longer needed.

For ongoing monitoring or support services, connected-account access may remain active while the service relationship is active.

You may request removal of connected-account access by emailing bjulian@legacysystemsllc.com with the subject line: Account Connection Removal Request.

Removing a connection stops future retrieval of connected-account data. It does not automatically delete data already received, processed, included in deliverables, or retained for legal, accounting, dispute, security, or business record purposes.

5.1 Financial Wellness Check (Free)

Financial Wellness Check is free. There are no refunds.

5.2 Paid sessions (Flow Monitor / Structural Diagnostics / Control/Growth Design)

Unless otherwise stated at checkout:

Rescheduling

• You may reschedule once with at least 24 hours notice.

• Reschedules inside 24 hours are not guaranteed and may be treated as a late cancellation.

Late cancellations

• Cancelling within 24 hours may result in forfeiture of the session fee (or deposit), because time was reserved.

No-shows

• If you miss a session without notice, the session is forfeited.

Refunds

• If you cancel with 24+ hours notice, you may request a refund only if work has not begun.

• Once preparation or analysis begins (including reviewing uploads), refunds may be denied because time and labor have already been invested.

• Preparation or analysis may include reviewing uploaded files, retrieving or processing authorized connected-account data, organizing transaction history, building working files, or preparing internal analysis before the scheduled session.

• Completed sessions are non-refundable.

5.3 Ongoing services (if applicable)

For ongoing monitoring arrangements:

• you may cancel future service periods with written notice

• fees already paid for completed work periods are non-refundable

If you believe a charge is incorrect, you agree to contact us first so we can resolve it quickly.

6.1 Good-faith resolution first

Before initiating a chargeback, you agree to email us within 7 days of the charge with:

• your name

• the service booked

• the reason you believe the charge is incorrect

6.2 Evidence we may provide in disputes

If a chargeback is filed, we may submit evidence including:

• booking confirmation

• payment confirmation

• communication history

• session attendance logs

• work performed (prep review / delivery notes)

6.3 Chargeback misuse

If a chargeback is filed after services were delivered or time was reserved per the policy above, and the chargeback is determined to be invalid, you may be responsible for:

• fees charged to us by the payment processor

• reasonable administrative costs

We treat your information like it matters — because it does.

7.1 Confidential information

“Confidential Information” includes anything you provide, upload, authorize, or discuss that is not publicly available, such as:

• your transactions, statements, balances, budgets, and cash-flow records

• connected-account data received through Plaid or another approved financial data provider

• financial goals, challenges, obligations, priorities, or personal context

• documents you upload

• intake answers you submit

• account names, institution names, and partial account identifiers

• systems, recommendations, summaries, or deliverables we build for you

• private communications between you and Legacy Systems

7.2 Our promise

We will not disclose your Confidential Information except:

• with your permission

• to service providers needed to deliver the Services, such as scheduling tools, Stripe, Google Drive, Plaid, secure storage providers, backend/database providers, email providers, or analytics providers if enabled

• if required by law, regulation, court order, subpoena, or valid legal process

• to protect our rights, safety, business, or legal position if a dispute occurs, including a payment dispute, chargeback, security incident, or legal claim

• in anonymized or aggregated form that does not identify you

We do not sell your personal data.

7.3 Your promise (important)

You agree not to copy, reproduce, resell, publish, or distribute:

• our frameworks

• templates

• dashboards

• written systems or structured operating rules
  without written permission.

7.4 Using anonymized outcomes

We may reference anonymized outcomes for marketing (example: “helped a client increase savings consistency”), but we will not reveal your identity or private details without permission.

7.5 Client data return and deliverables

If you request a copy of your data, Legacy Systems may provide reasonable copies of client-facing records or outputs such as:

• original files you provided, if still retained

• cleaned transaction exports

• categorized transaction summaries

• value-only client workbooks

• PDF reports

• recommendations, notes, or summaries prepared for you

Client data return does not include Legacy Systems’ internal workpapers, formulas, hidden tabs, workbook architecture, mapping systems, categorization logic, scoring systems, backend workflows, prompts, templates, automations, internal notes, or proprietary analytical methods unless separately agreed in writing.

Client source data remains your data. Legacy Systems’ internal systems, methods, models, frameworks, and analytical tools remain Legacy Systems property.

Any testimonials on this site reflect real experiences, but results are not guaranteed.

The FTC warns that endorsements can be misleading if they imply typical results without clear context.

We aim to present outcomes responsibly and avoid implying that extraordinary results are typical.

Everything on this website is owned by Legacy Systems LLC unless otherwise stated, including:

• brand identity

• written content

• frameworks

• templates

• dashboards

• deliverable structures

• workbook structures

• formulas

• category logic

• mapping tables

• scoring systems

• operating rules

• analytical models

• internal prompts, automations, and workflows

• proprietary methods and systems

You may not copy, reproduce, resell, publish, distribute, reverse engineer, or use our materials, frameworks, templates, workbook structures, formulas, dashboards, methods, or deliverable structures without written permission.

Client source data remains the client’s data. Legacy Systems retains ownership of its proprietary methods, tools, structures, formulas, frameworks, templates, and internal analytical systems.

Unless separately agreed in writing, client deliverables do not include Legacy Systems’ internal workpapers, formula-bearing workbooks, hidden tabs, modeling files, backend logic, categorization systems, or reusable templates.

Legacy Systems may provide client-facing outputs such as reports, summaries, cleaned exports, categorized transaction files, dashboards, or value-only workbooks without transferring ownership of the underlying engine used to create them.

You agree not to:

• attempt unauthorized access to the website or tools

• upload malware or malicious files

• scrape or duplicate site content

• use the site to harass, spam, or exploit

• attempt to interfere with, misuse, reverse engineer, or bypass connected-account workflows

• attempt to access another client’s files, data, account connection, or private information

• submit financial data, account connections, or documents you do not have authority to provide

• upload or transmit passwords, authentication codes, malware, or deliberately misleading financial information

11.1 What we collect

We may collect:

• name, email, and contact information

• intake answers you submit

• scheduling details

• payment metadata through Stripe; we do not store full payment card numbers on our own servers

• files you upload, which may be stored through Google Drive or another approved storage workflow

• financial information you provide, such as transactions, statements, budgets, balances, obligations, and cash-flow records

• connected-account data you authorize through Plaid or another approved financial data provider, such as transaction history, account metadata, account names, institution names, partial account identifiers, transaction dates, descriptions, merchants, categories, amounts, and related information needed to provide the Services

• communication history related to the Services

• basic technical data such as browser/device type, site activity, and security logs

11.2 Why we collect it

We collect and use information to:

• deliver the Services

• prepare for sessions

• review, organize, categorize, and analyze financial information

• build client-facing reports, summaries, dashboards, recommendations, or other deliverables

• communicate with you

• process payments

• maintain business, accounting, legal, and security records

• prevent fraud, misuse, and unauthorized access

• handle disputes, chargebacks, support requests, or security incidents

• improve our internal workflow and service quality, using anonymized or de-identified information where appropriate

11.3 What we do NOT do

• We do not sell your personal data.

• We do not publicly post your files.

• We do not use your private documents or connected-account data for marketing without permission.

• We do not collect or store your online banking username or password through the website.

• We do not move money, initiate payments, transfer funds, or control your bank accounts unless a separate written agreement expressly says otherwise.

• We do not provide legal, tax, investment, accounting, or fiduciary services unless explicitly stated in a separate signed agreement.

• We do not share your internal financial details with other clients.

11.4 Who we share data with

We may share limited data with service providers needed to operate the business and deliver the Services, such as:

• Stripe for payment processing

• Google Drive or other approved storage providers for file storage and uploader workflows

• Plaid or another approved financial data provider for connected-account access, if you authorize that workflow

• scheduling providers

• email and communication providers

• backend, database, hosting, or automation providers used to securely process service data

• analytics providers, if enabled

• professional advisors, legal counsel, accountants, insurers, or dispute-resolution providers when reasonably necessary

We limit service-provider use to the business purpose for which the provider is used. We do not sell your personal data.

11.5 Data retention

We keep data only as long as reasonably needed to:

• deliver the Services

• prepare reports, summaries, recommendations, or other deliverables

• maintain business, accounting, legal, and security records

• support returning-client continuity where appropriate

• handle disputes, chargebacks, support requests, security incidents, or legal obligations

Financial source data is generally retained for a shorter period than final reports, summaries, invoices, and business records.

Unless a separate written agreement says otherwise, Legacy Systems may use the following retention guidelines:

• Prospective clients who do not convert: raw financial intake files or connected-account data may be deleted within 30 days after it becomes clear no engagement will begin.

• One-time or diagnostic services: raw financial files, transaction exports, and connected-account data may be retained during the engagement and for a reasonable follow-up period, generally 30–90 days after final delivery, unless longer retention is needed for business, legal, accounting, dispute, security, or service-continuity reasons.

• Returning clients: Legacy Systems may retain final outputs, summaries, engagement history, and limited client context to support future work, while limiting retention of raw source data when it is no longer needed.

• Ongoing monitoring or support clients: financial data and connected-account access may be retained while the ongoing service is active and for a reasonable period afterward, subject to the service agreement and business/legal record needs.

• Final deliverables, invoices, communication history, and business records may be retained longer than raw financial source data.

You may request deletion of uploaded files, connected-account data, or other personal information by emailing bjulian@legacysystemsllc.com with the subject line: Privacy Request.

Deletion requests are subject to legal, accounting, tax, dispute, security, backup, and business record requirements. If we cannot delete certain information immediately, we may restrict active use where appropriate.

11.6 Security

We use reasonable administrative, technical, and organizational safeguards to protect your data.

These safeguards may include access controls, password protections, multi-factor authentication where available, restricted file sharing, secure storage workflows, limited access to client financial data, and other measures appropriate for the size and nature of the business.

Plaid access tokens, API keys, backend credentials, and similar secrets are not intended to be stored in Squarespace, public website code, client-facing workbooks, email threads, or ordinary spreadsheets.

No method of transmission or storage is perfectly secure. You are responsible for using secure devices, protecting your own accounts, and notifying us promptly if you believe information you provided to Legacy Systems may have been exposed or compromised.

If a security breach occurs, Legacy Systems will evaluate notification obligations under applicable law. Maryland’s guidance notes consumers generally must be notified within 45 days, subject to specific conditions.

11.7 State privacy rights (Maryland and others)

If applicable, you may have the right to:

• request access to your personal data

• correct inaccurate data

• request deletion

• request a copy

Maryland’s Online Data Privacy Act (MODPA) became effective October 1, 2025, with key requirements applying to processing activities on or after April 1, 2026.

To request privacy actions:
Email bjulian@legacysystemsllc.com with subject line: Privacy Request

11.8 Connected-account privacy and removal

If you authorize connected-account access through Plaid or another approved financial data provider, Legacy Systems may receive financial data needed to provide the requested Services.

Connected-account access is used for service delivery, analysis, categorization, budgeting support, cash-flow review, monitoring if applicable, and related client-facing outputs.

For one-time or diagnostic services, Legacy Systems may remove connected-account access after the engagement, after a reasonable follow-up period, or when the data is no longer needed.

For ongoing services, connected-account access may remain active while the service relationship is active.

You may request removal of connected-account access by emailing bjulian@legacysystemsllc.com with the subject line: Account Connection Removal Request.

You may also be able to revoke access through Plaid, your financial institution, or another provider’s own account-management tools.

Removing a connection stops future access through that connection. It does not automatically delete data already retrieved, processed, included in deliverables, or retained for legal, accounting, tax, dispute, security, backup, or business record purposes.

11.9 Data classification

Legacy Systems treats different information with different levels of sensitivity.

Public-safe information may include general website content, public service descriptions, or anonymized outcomes that do not identify a client.

Client confidential information may include reports, summaries, recommendations, dashboards, intake answers, and client-facing deliverables.

Restricted financial data may include raw transactions, statements, bank exports, connected-account data, balances, uploaded financial files, and similar information.

Secrets and credentials may include API keys, access tokens, passwords, authentication codes, and backend credentials.

Clients should not upload or share secrets, passwords, authentication codes, Social Security numbers, full card numbers, medical records, or unrelated sensitive documents unless specifically instructed in writing.

12.1 Not legal, tax, or investment advice

Legacy Systems provides educational and organizational support.

We are not your:

• CPA

• attorney

• tax advisor

• investment advisor

• fiduciary
  unless explicitly stated in a separate signed agreement.

12.2 No guarantees

We do not guarantee specific results. Outcomes vary based on:

• income patterns

• expenses and obligations

• consistency and behavior

• debt structure

• external constraints

12.3 Decision responsibility

You are responsible for financial choices and outcomes. We provide structure, systems, and recommendations — you decide what to do.

12.4 Third-party tools

We may use third-party tools to operate the website, process payments, schedule services, receive files, connect accounts, store information, analyze data, or communicate with clients.

These tools may include Stripe, Google Drive, Plaid, scheduling providers, email providers, website hosting providers, backend/database providers, and analytics providers if enabled.

We are not responsible for downtime, errors, data delays, institution availability, provider policy changes, or service disruptions caused by third-party tools.

If a third-party financial data provider, financial institution, or upload provider is unavailable or unable to provide complete data, Legacy Systems may request manual uploads, alternative exports, or additional information from you.

12.5 Connected-account limitation

Connected-account access may help reduce manual data entry and improve transaction intake, but it does not guarantee complete, instant, accurate, or uninterrupted data.

Financial institutions, data providers, account permissions, connection status, pending transactions, duplicate entries, merchant names, categories, and transaction updates may vary.

Legacy Systems may review, clean, categorize, adjust, or interpret financial data as part of the Services, but you remain responsible for reviewing final outputs and making your own decisions.

If something goes wrong, we handle it like adults — in steps.

Step 1: Good-faith resolution

You agree to contact us first and give us 14 days to attempt resolution by email.

Step 2: Mediation

If unresolved, both parties agree to attempt mediation in Maryland before escalating further.

Step 3: Arbitration or small claims

If still unresolved:

• Payment disputes that qualify may be brought in Maryland small claims court, or

• the dispute may be resolved through binding arbitration (if required by a written agreement for that service)

Governing law

These Terms are governed by the laws of the State of Maryland.

We may update these Terms as services evolve. The newest version will always be posted here with the updated date.

Legacy Systems LLC
Email: bjulian@legacysystemsllc.com
Website: legacysystemsllc.com

Legacy Systems may use internal workbooks, formulas, templates, dashboards, category maps, scoring systems, models, prompts, automations, backend workflows, and other proprietary tools to provide the Services.

These internal tools are part of Legacy Systems’ proprietary engine and are not client deliverables unless expressly included in a separate written agreement.

Client deliverables may include reports, summaries, recommendations, cleaned exports, categorized transaction files, dashboards, value-only workbooks, or other agreed outputs.

Unless separately agreed in writing, receiving a deliverable does not give you ownership of or access to Legacy Systems’ internal workbooks, formulas, hidden tabs, category logic, mapping systems, scoring systems, models, prompts, automations, backend workflows, or reusable templates.

This section does not limit your ownership of your own source data.