Terms and Conditions for SR Legacy LLC
Effective Date: March 1, 2024
Last Updated: March 3, 2025
Welcome to SR Legacy LLC ("we," "us," "our"). These Terms and Conditions ("Terms") govern your use of our website, mobile applications, SMS messaging services, financial products, and any other services we provide (collectively, "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.
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1. Acceptance of Terms
These Terms form a legally binding agreement between you ("you," "user") and SR Legacy LLC. We may update these Terms from time to time, and the "Last Updated" date will reflect changes. We will notify you of material changes via email or a notice on our website. Your continued use of the Services after updates constitutes acceptance of the revised Terms.
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2. Eligibility
To use our Services, you must:
- Be at least 18 years old.
- Reside in the United States or a jurisdiction where our Services are offered.
- Provide accurate and complete information during registration or credit applications.
We reserve the right to refuse service to anyone for any reason, subject to applicable law.
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3. Services Offered
SR Legacy LLC provides:
- SMS Messaging Program: Account updates, promotional offers, and customer support via text messages.
- Financial Products: Credit card applications, payment processing, and related services in partnership with financial institutions.
- Online Platform: Access to account management tools via our website or app.
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4. SMS Messaging Program Terms
Program Description: Our SMS messaging service delivers transactional and promotional messages. Message frequency varies based on your account activity or preferences.
- Opt-In: You must provide explicit consent to receive SMS messages by submitting your phone number via our website, texting a keyword (e.g., "JOIN") to [short code/number], or agreeing during account setup. You will receive a confirmation message, such as:
"Welcome to SR Legacy LLC SMS! Msg frequency varies. Reply HELP for help, STOP to cancel. Msg & data rates may apply."
- Opt-Out: Text "STOP" to [short code/number] to unsubscribe at any time. You will receive a confirmation and no further messages unless you opt in again.
- Help: Text "HELP" for assistance or contact [email protected].
- Costs: Standard message and data rates may apply per your mobile carrier’s plan. We are not responsible for these charges.
- Carrier Disclaimer: Delivery is subject to your carrier’s capabilities. We are not liable for delayed or undelivered messages.
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5. Financial Products and Payment Terms
- Credit Applications: By applying for a credit card or financial product, you authorize us and our banking partners to obtain credit reports, verify your identity, and assess your creditworthiness under the Fair Credit Reporting Act (FCRA).
- Payment Obligations: You agree to pay all amounts due for Services, including fees, interest, or charges outlined in your credit agreement. Payments must be made via approved methods (e.g., credit card, ACH).
- Late Payments: Late or missed payments may incur fees and affect your credit score, as reported to credit bureaus.
- Authorization: You authorize us to process payments and share necessary financial data with payment processors and banks.
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.
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6. User Responsibilities
You agree to:
- Provide accurate, current, and complete information.
- Maintain the security of your account credentials.
- Use the Services only for lawful purposes.
- Not misuse our SMS program (e.g., sending spam or abusive messages via reply).
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7. Intellectual Property
All content, trademarks, and materials on our Services (e.g., logos, text, design) are owned by SR Legacy LLC or our licensors. You may not copy, modify, or distribute them without our written permission, except for personal, non-commercial use.
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8. Disclaimers
- Service Availability: We strive to keep Services accessible but do not guarantee uninterrupted access. We may suspend or modify Services without notice.
- No Warranty: Services are provided "as is" and "as available." We disclaim all warranties, express or implied, including fitness for a particular purpose or merchantability, to the extent permitted by law.
- Financial Risks: Credit products involve risks (e.g., interest, debt). We are not liable for financial losses resulting from your use of these products.
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9. Limitation of Liability
To the fullest extent permitted by law, SR Legacy LLC, its affiliates, and partners will not be liable for:
- Indirect, incidental, or consequential damages (e.g., lost profits, data loss).
- Losses from interrupted Services or third-party actions (e.g., carrier delays).
- Damages exceeding the amount you paid us in the prior 12 months.
This applies even if we were advised of the possibility of such damages.
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10. Indemnification
You agree to indemnify and hold SR Legacy LLC, its officers, employees, and partners harmless from any claims, losses, or damages (including legal fees) arising from your use of the Services, violation of these Terms, or infringement of third-party rights.
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11. Termination
- By You: You may stop using our Services at any time. For SMS, text "STOP." For credit products, follow your account closure process.
- By Us: We may suspend or terminate your access for violating these Terms, non-payment, suspected fraud, or legal requirements, with or without notice.
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12. Dispute Resolution
- Governing Law: These Terms are governed by the laws of [Insert State, e.g., Delaware], without regard to conflict of law principles.
- Arbitration: Any disputes will be resolved through binding arbitration under the American Arbitration Association (AAA) rules, conducted in [Insert City/State]. You waive the right to a jury trial or class action.
- Exceptions: Small claims court disputes or injunctive relief requests may be filed in a court of competent jurisdiction.
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13. Compliance with Laws
You agree to comply with all applicable laws, including the Telephone Consumer Protection Act (TCPA), Gramm-Leach-Bliley Act (GLBA), and Payment Card Industry Data Security Standards (PCI DSS). Violations may result in termination of Services.
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14. Third-Party Services
Our Services may integrate with third parties (e.g., banks, carriers). We are not responsible for their performance, terms, or policies.
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15. Force Majeure
We are not liable for delays or failures in performance due to events beyond our control, such as natural disasters, cyberattacks, or carrier outages.
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16. Contact Us
For questions or support:
- Email: [email protected]
- Mail: SR Legacy LLC, 771 Arizona Ave, Fort Lauderdale FL 33312