1.1 Who we are

Legacy Systems LLC (“Legacy Systems,” “we,” “us”) provides budgeting, cash flow clarity, and financial systems support (“Services”).

1.2 Acceptance of terms

By accessing this website, booking a session, paying for a service, or uploading files, you agree to these Terms, the Privacy Policy, and the Disclaimer.

If you do not agree, do not use the website or Services.

1.3 Eligibility

You must be 18 years or older to book Services.

1.4 What we provide (in plain terms)

We provide structured support such as:

• cash flow clarity

• budgeting + spending systems that hold

• debt pressure reduction strategies (structure, not legal advice)

• dashboards, templates, and operating rules (when applicable)

We do not provide legal, tax, or investment advice unless explicitly stated in a separate written agreement.

This section exists to prevent confusion.

Quick Check™ (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

Tiles 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

BvA Core™ (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

BvA Pro™ (Paid)

Purpose: Advanced control layer

Includes:

• everything in BvA Core (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: BvA Pro 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 you want reviewed (if applicable)

• communicate urgent deadlines or constraints

• show up prepared to engage honestly

You remain responsible for your financial decisions and outcomes.

4.1 What uploads are for

Uploads help us prepare before your session so time is spent building clarity, not searching for data.

4.2 Where uploads go

If you upload transactions, statements, or files through our uploader link, those files are stored and handled through Google Drive. Google Drive files are private unless shared intentionally.

4.3 What you should upload

Examples:

• bank transactions (CSV preferred)

• credit card transactions (CSV preferred)

• statements (PDF acceptable)

4.4 What you should NOT upload

Do not upload:

• Social Security numbers

• full card numbers

• medical records or protected health information (PHI)

• passwords or authentication codes

If you accidentally upload sensitive data, contact us immediately.

4.5 Authorization

By uploading files, you confirm you have the right to share them.

5.1 Quick Check (Free)

Quick Check is free. There are no refunds.

5.2 Paid sessions (Tiles Monitor / BvA Core / BvA Pro)

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.

• 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 that is not publicly available, such as:

• your transactions, statements, balances, and budgets

• financial goals, challenges, or personal context

• documents you upload

• systems we build for you

7.2 Our promise

We will not disclose your Confidential Information except:

• with your permission

• to service providers needed to deliver service (scheduling, Google Drive, Stripe)

• if required by law or valid legal process

• to protect our rights if a dispute occurs (example: a chargeback)

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.

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

• deliverable structures

You may not copy, reproduce, resell, or distribute our materials without permission.

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

11.1 What we collect

We may collect:

• name, email, contact information

• intake answers you submit

• scheduling details

• payment metadata through Stripe (we do not store full card numbers)

• files you upload (stored via Google Drive)

• basic technical data (browser/device type)

11.2 Why we collect it

To:

• deliver Services

• prepare for sessions

• communicate with you

• process payments

• prevent fraud and abuse

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 for marketing

11.4 Who we share data with

We may share limited data with:

• Stripe (payment processing)

• Google Drive (file storage and uploader workflow)

• scheduling providers

• basic analytics providers (if enabled)

11.5 Data retention

We keep data only as long as needed to:

• deliver Services

• maintain records for business/legal obligations

• handle disputes

You can request deletion of files you uploaded, subject to legal/accounting record requirements.

11.6 Security

We use reasonable safeguards to protect your data.

If a security breach occurs, 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

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 are not responsible for downtime or policy changes from third-party tools, including Stripe and Google Drive.

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