Terms of Use

These Terms of Use apply to your use of the GLP Legacy Benefits Optimization website. By using the site, you agree to these terms. If you do not agree, please do not use the site. These terms do not replace a separate written agreement for services.

The website provides general educational and advisory information about benefits optimization, payroll efficiency, employee protection strategies, and related business solutions. It is a starting point for evaluation, not a determination of what is appropriate for your company.

GLP Legacy is not an insurance carrier, law firm, accounting firm, tax advisor, or benefits-plan fiduciary. The website alone does not provide tax, legal, accounting, investment, insurance-coverage, or benefits-plan fiduciary advice. Do not rely on site content as a substitute for advice from qualified professionals who can review your specific circumstances.

Using this website, contacting GLP Legacy, or submitting a form does not by itself create a client/advisor, attorney-client, fiduciary, or other professional relationship, engage GLP Legacy for services, or bind a third-party provider. Any service scope and obligations must be established separately through an appropriate agreement.

The current preview booking form validates information and shows a browser-only confirmation; it does not transmit or save submissions or book an appointment. Contact us directly by phone or email to inquire about a review.

The savings calculator and all financial examples are illustrative estimates only, not quotes, offers, or guarantees. Calculator outputs are based on stated assumptions rather than an analysis of your company's payroll or benefits program.

Eligibility, employee participation, payroll structure, plan design, tax treatment, implementation, and actual outcomes vary. Not every employer or employee qualifies. GLP Legacy does not guarantee eligibility, savings, employee participation, insurance issuance, benefit outcomes, or business results. Any potential recommendation requires further review; any coverage or benefits are subject to the applicable provider's terms and eligibility rules.

References to Internal Revenue Code Sections 125, 105, 106, and 213(d) are educational only. They do not establish IRS approval, qualification, a particular tax result, or compliance for your business or a specific arrangement.

Consult qualified legal, tax, payroll, benefits, and plan-administration professionals to review eligibility, plan design, payroll treatment, nondiscrimination testing, implementation, and ongoing administration before taking action.

Provide accurate information when contacting us and use the website only for lawful purposes. Do not impersonate another person, submit information you are not authorized to share, or upload medical diagnoses, Social Security numbers, financial account numbers, or other highly sensitive data through general forms.

Do not interfere with the site's operation, attempt unauthorized access, introduce malicious code, evade security measures, or use automated activity that disrupts the site. You are responsible for evaluating information with appropriate advisors before making business decisions.

Site content, including text, design, graphics, photographs, branding, and calculator presentation, is owned by GLP Legacy or licensed to it, except where otherwise indicated. Third-party marks remain the property of their respective owners.

You may view, download, or print reasonable portions for personal use or internal business evaluation, keeping copyright and other ownership notices intact. Except as permitted by applicable law or with written permission, you may not reproduce, republish, sell, distribute, or adapt site content for public or commercial reuse. No ownership or trademark rights are transferred to you.

Third-party links and references are provided for convenience and do not necessarily constitute endorsement. GLP Legacy does not control third-party websites, content, products, services, privacy practices, or availability.

If you choose to use a third-party service, its own terms, agreements, eligibility requirements, and privacy policy apply. GLP Legacy is not responsible for that provider's independent decisions or performance, except to the extent applicable law or a separate agreement provides otherwise.

We may update, correct, suspend, or discontinue website content or features. We aim to keep information useful, but it may become outdated or contain errors. Uninterrupted availability is not guaranteed. Changes to this website do not change obligations established in a separate signed services agreement.

To the extent permitted by applicable law, the website and its content are provided as available and without warranties, express or implied. We do not promise that the site will always be accurate, complete, uninterrupted, error-free, secure, or suitable for a particular purpose. This includes implied warranties of merchantability and fitness for a particular purpose where their exclusion is permitted.

Nothing in these terms excludes a warranty or consumer protection that applicable law does not allow us to exclude.

To the extent permitted by applicable law, GLP Legacy is not liable for indirect, incidental, special, or consequential losses arising from use of, or inability to use, this website, including lost profits or opportunities based on reliance on general site information. You should independently verify information relevant to your decisions.

This limitation applies only to website use. It does not limit liability for fraud, intentional misconduct, gross negligence, or other liability that cannot lawfully be limited, and it does not override obligations in a separate services agreement. Where a limitation is not permitted, liability is governed by applicable law.

To the extent permitted by law, you agree to indemnify GLP Legacy for reasonable losses, costs, and legal expenses resulting from a third-party claim caused by your unlawful use of the website, intentional misuse, or violation of another person's rights. This obligation applies only to the extent the claim is attributable to your conduct, not to GLP Legacy's own negligence or misconduct.

These terms are governed by the laws of North Carolina, without applying conflict-of-law rules, unless applicable law requires otherwise. Nothing in these terms removes mandatory protections or rights available to you under applicable law.

If a provision is found unenforceable, the remaining provisions continue to apply to the extent permitted by law. These terms are the entire agreement concerning use of this website; our Privacy Policy explains information handling, and any separate signed services agreement governs the services it covers.

We may revise these terms by posting an updated version and effective date here. Changes apply to subsequent website use, not retroactively to existing claims. Additional notice will be given when required by applicable law. Review the terms periodically; if you disagree with updated terms, discontinue use of the site.