Legacy Farmer Terms of Service

These Terms are an agreement between you and Legacy Farmer, Inc., a Delaware corporation, together with its affiliated companies and representatives ("Legacy Farmer," "we," or "us"). They cover visitors to legacyfarmer.com and farmermetrics.com, our applications, Farmer Metrics software, and Legacy Farmer coaching, consulting, education, and community services (the "Services"). These are our combined website and service terms. Your accepted enrollment, checkout, or written purchase agreement is your "Order."

Browsing a website does not enroll you in a program or create payment, renewal, coaching-attendance, AI, or referral-sharing obligations. Purchase terms apply only to the offer in your accepted Order; participation and feature-specific rules apply only when relevant to your use. Your Order identifies what you buy. The Legacy Farmer program includes the coaching, consulting, education, community, and software access stated in that Order. A standalone Farmer Metrics subscription, when offered, includes only its specified software, support, and features; it does not include coaching or separately priced professional services unless expressly stated. These Terms do not promise that every plan or feature is currently available.

By affirmatively accepting these Terms, or using Services where legally sufficient notice and assent establish an agreement, you agree for yourself and any business you are authorized to represent. Do not use the Services if you do not agree. The version validly accepted for your Order and the amendment rules below govern. The separate Privacy Policy and Coaching Cancellation Policy are available at legacyfarmer.com/privacy-policy and legacyfarmer.com/cancellation-policy. References to current policies do not themselves amend an existing Order. Acknowledging the Privacy Policy does not replace separate permission for optional processing.

1. Accounts and Participation

1.1 Eligibility and Separate Services

What this means: You must be an authorized adult; separately offered paid or regulated services need their own agreement.

We offer coaching and software in the United States and Canada where lawfully available, including all ten Canadian provinces. You must be at least 18 and have reached the age of majority where you live. We are based in Kansas and do not promise availability in other countries. Follow applicable laws and have authority for any business, information, or action you represent. Mandatory rights under your jurisdiction remain available.

Insure the Farm, Grain Strategy, and other separately engaged providers use their own agreements. Additional paid services, including enhanced financial-distress support, debt restructuring, or financing placement, require a separate accepted agreement identifying the provider, permitted scope, fees, term, payment terms, and express changes to these Terms. Buying coaching or software or enabling Rowe does not enroll you, authorize a fee or regulated service, or expand AI, publicity, or private-information permissions. The separate agreement controls only what it expressly addresses, subject to law.

1.2 Your Account and License

What this means: Keep account information accurate and your login private, and use the software within your license.

Keep information you provide accurate, complete, and current, including account, contact, and business details. You are responsible for account activity and problems caused by inaccurate information. Protect your login; do not share, sell, transfer, or use someone else's account. Report suspected unauthorized access to support@legacyfarmer.com immediately. Some features require registration.

Subject to these Terms, we grant a limited, nonexclusive, nontransferable, nonsublicensable, revocable license to use the Services for your business. Unauthorized uses and transfers are prohibited; we reserve all rights not expressly granted. License revocation, suspension, and termination remain subject to Sections 3 and 4.

1.3 Acceptable Use

What this means: Use the platform lawfully, follow the identified AI provider rules, and do not bypass safeguards or misuse access, content, or other people’s information.

Do not harm or exploit minors; impersonate others; misrepresent records or affiliations; commit fraud or illegal acts; spam, harvest contact details, send chain letters or pyramid schemes; scrape, crawl, or copy the Services through unauthorized automated or manual access; reverse engineer or decompile our technology; introduce harmful code; overload or attack systems; bypass permissions; or interfere with others' use, privacy, or security; or engage in conduct that harms us or other users or exposes them to liability. Follow applicable data and software export laws. Authorized built-in Rowe actions under Section 2.8 are permitted, but do not authorize scraping or unrelated automated access.

Do not bypass AI safeguards, usage limits, or account restrictions; evade a suspension through another account; extract protected model or system instructions; resell provider access or API keys; or use Rowe to scrape, distill, or train another AI model without our and the applicable provider's authorization. These restrictions preserve authorized integrations, exports, report sharing, and lawful use of your own records.

When using a provider-backed feature, you and your users must follow the applicable provider usage restrictions identified for that feature. Current Claude features use Anthropic's Usage Policy, effective September 15, 2025, at https://www.anthropic.com/legal/archive/22742366-2ef0-4c7a-a833-6523f10d3944. We identify and link the applicable dated restrictions before a new provider is enabled; changes follow Section 9.12. This incorporates relevant usage restrictions, not the provider's separate consumer, billing, or dispute agreement. Provider rules do not expand our data permissions.

You must monitor your users' conduct and the information they supply. You represent that you can enter this agreement and grant its permissions; your use complies with applicable laws and policies; and your content and authorized uses do not violate intellectual-property, privacy, publicity, or other rights or contain obscene, defamatory, abusive, or otherwise inappropriate material. Sections 8 and 9 govern remedies and responsibility.

1.4 Recordings and Publicity

What this means: Joining does not give us marketing rights to your story; publicity and service recordings follow separate permission rules.

Joining our program does not authorize public use of your name, image, voice, story, or private information. Promotional recordings, testimonials, and other publicity require separate authorization describing the use. For service recordings, we provide notice and obtain permission required by law. A recording for a disclosed service purpose does not authorize public marketing.

1.5 Public Website Access

What this means: Public website content and access can change, but those rules do not cancel our purchased-service commitments.

You arrange your internet access and ensure people using it to access our websites follow these Terms. We may change, restrict, suspend, or withdraw public website content or access without notice and disclaim liability for its unavailability to the extent lawful. Website information is general, may be incomplete or outdated, and need not be updated. Third-party opinions are their authors', not necessarily ours. Sections 2.1 and 8 govern reliance and outside links. These website rules do not override purchased-service access, notice, refund, or privacy commitments.

2. Coaching, Software, and Rowe

2.1 Information and Business Decisions

What this means: You remain responsible for your records and decisions; our services do not guarantee accuracy, suitability, or business success.

Coaching provides business education, consulting, community, and support. Farmer Metrics helps organize and analyze farm finances and operations. Features may change; neither service replaces qualified professional expertise or assures legal compliance, accurate results, or business success. References to financial strategies, products, services, or users are informational, not endorsements or verification of their suitability, legality, or financial competence.

You remain responsible for your information, instructions, decisions, and accurate, complete financial records and backups. Do not use the Services as the sole basis for critical financial decisions or record keeping. We are not responsible for user-supplied errors, user interactions or decisions, or independent third-party content and services. Links, including to community or meeting providers, are not endorsements; their availability, terms, content, and practices are outside our control. The specific action and privacy commitments below and obligations that law does not allow us to exclude still apply.

2.8 Rowe AI and Customer-Directed Actions

What this means: Rowe can analyze, draft, edit, and send within the limits below; check important work because answers and actions can be wrong, and features, providers, and models can change or be unavailable.

(a) What Rowe does. Rowe is software, not a human adviser. Within supported features and account permissions, it can explain and analyze authorized records, identify patterns, calculate scenarios using stated assumptions, draft and export reports, make requested record changes, and send approved materials. Features and models may vary. Results and forecasts are not guarantees.

Providers may refuse requests, impose capacity or usage limits, or interrupt or discontinue models. Optional features expressly labeled beta, preview, or experimental may be less reliable, change, or end; do not rely on them as your sole record or control. These limits do not remove purchased-service obligations or Section 4.4's remedies.

(b) Professional boundaries. Rowe is not a licensed financial, investment, commodity-trading, insurance, tax, legal, or medical professional. It must not provide individualized professional advice or make decisions requiring qualified professional judgment. Restricted uses include personalized securities, investment, futures, options, or swaps recommendations; selecting insurance for your circumstances; deciding what you should report, deduct, or claim for tax purposes; determining rights or actions in a specific legal matter; preparing legal instruments or tax returns for signature or filing; and lending, underwriting, claims, employment, or other high-impact eligibility decisions. Rowe does not execute financial transactions.

General explanations, factual summaries, calculations using supplied assumptions, and administrative help may be available within these limits. Calling a request hypothetical, accepting risk, labeling a result a draft, or choosing another model does not remove them. The limits apply to reports, edits, and communications as well as chat. Regulated services require a separate engagement with an appropriately qualified provider.

(c) Authorization and review. Enabling Rowe or accepting these Terms does not authorize unrestricted changes or disclosures. An action must fall within your specific instruction or an automation you expressly enable, your authority, and your account permissions. A clear, routine, reversible instruction may authorize an edit without another confirmation. Missing or ambiguous material details require clarification. Deletion, bulk changes, and accounting judgments inferred by Rowe require a preview and your confirmation. Confirmation cannot authorize prohibited advice or actions.

Before sending information outside your account, Farmer Metrics will show the recipient, message, and materials for your approval. If recurring delivery is offered, separately authorize its recipients, contents, and schedule; you may cancel future deliveries through available controls. One approved send does not authorize unrelated disclosures or later sends. You must have authority to share the information and review material facts before approval.

AI can produce inaccurate, incomplete, outdated, or misleading information, calculations, and references, and can perform an action incorrectly or differently from what you intended. Check material amounts, source records, assumptions, dates, and recipients before relying on results or approving an action, and check important record changes and delivery status afterward. Report errors promptly and obtain qualified advice where needed. Your review duties do not replace our permission, approval, history, or correction obligations. A completed action or generated report is not an audit, certification, professional opinion, or guarantee of financing or fitness for an accounting, tax, legal, insurance, or financing purpose.

Farmer Metrics maintains a history of supported changes and sends and provides available correction or reversal options. Delivered emails, downloaded files, and recipient-held copies may not be recoverable. Customer approval does not waive our contractual or legal obligations. We may restrict requests to protect users, enforce requirements, or address misuse, but safeguards cannot catch every error. Report suspected errors or unauthorized actions to support@legacyfarmer.com.

(d) Ownership and private information. You keep your rights in supplied records and content. We assign you any transferable rights we hold in outputs generated for you, subject to third-party rights and law. Outputs may resemble others' outputs and may not qualify for intellectual-property protection.

Private farm records, uploads, prompts, conversations, reports, outputs, support messages, feedback, and action records remain confidential customer information. We process them only for the disclosed purposes of providing requested features, security, enforcing restrictions, investigating errors, support, legal obligations under the Privacy Policy, and, with the permissions Section 2.10 describes, anonymized aggregate benchmarking. Using Rowe or giving feedback does not make them public or grant marketing rights. We do not sell private farm records, use private AI content for advertising, or use or authorize contracted AI providers to use customer content to train general-purpose AI models. Properly authorized, genuinely anonymized aggregate benchmarks under Section 2.10 are not advertising with private content; exposing identifiable source records is, and remains prohibited. Affiliate referrals, testimonials, and publicity require separate permission.

(e) Providers and priority. Rowe currently uses Anthropic's Claude through a company-managed commercial service. We do not guarantee a particular provider or model. We may add, replace, or update AI providers and models, subject to these Terms, accepted Orders, and the Privacy Policy. We provide required notice and obtain required consent before materially changing data recipients, uses, or processing practices. A model change does not expand sharing or action permissions or itself authorize additional charges. If customer-selected providers become available, we will disclose recipients, relevant transfers, terms, and additional charges before activation and obtain required authorization. We enable only providers and configurations reviewed for compatibility with our privacy, security, retention, and no-general-purpose-training commitments. Customer choice cannot waive those commitments. That feature is not promised; it does not expand permissions or remove restrictions. Keep passwords and API keys out of chat; use supported secure connection settings if available.

This section and the Privacy Policy control over conflicting general content, recording, advertising, or data-sharing provisions. Sections 8 and 9 apply only as law permits; they do not erase these express commitments or nonwaivable rights. Sending a report to your existing adviser does not enroll you in Section 7's optional referral and introduction program.

2.9 Customer Contacts and Authorized Communications

What this means: Saving a contact does not automatically contact them or share your records; you choose when we may coordinate with them and what information we may send.

You may store business contact details for your lenders, insurers, accountants, suppliers, advisers, and other business relationships. Provide accurate information that you are authorized to provide, and avoid unnecessary personal or sensitive information about others.

At your direction, our authorized personnel and supported software may communicate with identified contacts for the purpose you approve. Before sharing customer information, we identify the recipient, purpose, message, and information to be sent and obtain your approval under Section 2.8's action and sharing safeguards. Adding a contact alone does not authorize a message, report delivery, access to your workspace, or marketing enrollment.

A separately enabled recurring communication must have a recorded authorization identifying its recipients, purpose, information, frequency or triggers, and duration. You may stop future communications within that authorization. A new recipient, expanded information, or materially different purpose requires fresh approval. This provision does not itself enable recurring communications or override the existing approval safeguards; those safeguards continue until an expressly approved recurring feature and its controls are available.

Permission to communicate does not authorize us to bind you, sign applications, negotiate financing, request credit reports, move money, sell or bind insurance, or perform other regulated services without the separate agreements, qualifications, and authorizations required for that work. Our own outreach to contacts you provide is a different matter, governed only by Section 7.5.

2.10 Aggregated Benchmarks

What this means: We may combine eligible farm data into benchmarks that do not identify you or your operation; identifiable records remain protected, and public benchmarking has a separate permission process.

You retain your rights in your records. Subject to the Privacy Policy, your permissions, applicable law, and relevant data-source restrictions, you grant us a limited right to process eligible structured financial and operational records to develop and provide disclosed benchmarking features. This right rests on this section and the Privacy Policy, not on the public-content license in Section 6.2, and it does not reach Rowe conversations, coaching recordings, support messages, or contact notes.

Benchmarks may include interest rates, debt measures, costs, revenues, and operating ratios grouped by geography, operation type, or size. Before using identifiable records to create benchmarks for public reports, education, marketing, or other external distribution, we obtain separate affirmative permission for that purpose.

We publish or externally disclose only aggregated results that have undergone appropriate anonymization and disclosure-risk review. Removing names alone is insufficient. We do not publish identifiable customer records, enable identification of a customer or operation through narrow groupings, or attempt to reidentify anonymized results.

These permissions do not authorize customer testimonials, identifiable case studies, private screenshots, sale of private farm records, use of contact lists for advertising, or training general-purpose AI models. Separate permissions and our existing protections continue to apply.

Benchmarks describe the eligible records and participating operations included in the analysis. They may not represent all farms, lenders, or market conditions. We explain material methodology, reporting periods, and limitations. Benchmarks are informational and do not guarantee financing, rates, savings, or other results.

3. Prices, Commitments, and Payments

3.1 Your Order and Service Term

What this means: An annual commitment remains annual when paid in installments; monthly software follows its own accepted term and the stated exceptions still apply.

Your Order states the offer, included services, start date, term, total or recurring price, currency, taxes and disclosed charges, payment dates, and renewal terms. Unless the Order expressly says otherwise, the Legacy Farmer coaching program has a twelve-month service term. Standalone software has only the monthly, annual, or other term expressly accepted in its Order; it does not inherit the coaching commitment. An annual software plan billed in installments must clearly disclose the annual commitment, total fee, and schedule before acceptance.

An installment plan spreads an agreed term's fee over time; it does not create a month-to-month plan or a right to cancel remaining installments. You owe the full agreed term fee even if you stop attending or using the Services, subject to a written release, Section 4.4, and mandatory law. Monthly software creates obligations only for its accepted monthly term and valid renewals. Invoices and reminders do not extend installment due dates.

3.2 Renewal and Prices

What this means: Renewals and price changes follow your accepted terms and required notices; finishing installments does not end the service term.

Unless your accepted Order says otherwise, annual programs and annual software renew for twelve months; monthly software renews monthly. Automatic renewal, its price or pricing method, and payment schedule must be conspicuously disclosed and validly accepted. Finishing installments does not end the purchased service period. Renewal charges are separate from the initial schedule and require valid payment authorization. We provide legally required renewal notices and advance notice of changes with an opportunity to cancel before renewal. Fees do not increase during a committed term without your agreement.

3.3 Cancellation and Software-Only Transitions

What this means: Canceling renewal or moving to software only does not, by itself, release payments for your current term.

Prevent renewal by emailing support@legacyfarmer.com or using an available cancellation control before renewal. Cancellation takes effect at the term's end and does not release installments for that term. Subject to permitted suspension or termination, access continues through the service term even if installments finish earlier. We confirm the effective date and remaining access, measure your request from receipt rather than later processing, and correct renewal charges after a timely request.

A move from coaching to software only takes effect after the program term unless we approve an earlier transition in writing. A transition reduces or releases existing obligations only if its written terms expressly say so. The new software Order governs its future price, schedule, and term.

3.4 Payment Authorization, Default, and Collection

What this means: We may collect lawful unpaid amounts as they become due and permitted collection costs, without late interest or accelerating future installments.

You authorize charges only for the amounts, frequency, and duration accepted in your Order and payment authorization. Changed charges require any further authorization required by law or payment-network rules. Changing a payment method creates no new commitment. Revoking authorization does not cancel a lawful debt; arrange another permitted method. We honor effective revocations and nonwaivable payment-dispute and chargeback rights.

Keep payment information current. We notify you of failed or overdue payments and may suspend paid access after notice of the overdue amount. If default remains uncured fifteen calendar days after written notice identifying it, we may terminate service and pursue lawfully recoverable amounts. Nonpayment suspension does not extend the term or itself forgive payments. We review good-faith billing disputes.

Subject to Section 4.4 and law, unpaid term obligations survive cancellation, termination or suspension for customer breach, and expiration. Installments remain due on their original dates. We may collect amounts as they become due plus reasonable collection costs and attorneys' fees actually incurred where lawful. We do not charge contractual late-payment interest or accelerate future installments. We credit payments and required adjustments, including mitigation or avoided-cost credits following termination, and do not recover the same loss twice. Section 8's damages limits do not reduce these lawful payment obligations.

We may agree in writing to a settlement, revised schedule, or release. An accommodation, delayed collection, account closure, or end of access does not itself release a balance. A written settlement or release governs only the amounts it covers.

3.5 Existing Purchases

What this means: Accepting updated platform terms does not automatically change your existing price, payment schedule, term, or balance.

Accepting updated platform or AI terms does not restart a term, change an existing price or schedule, create renewal or payment authorization, or release a debt. Commercial changes require a separately identified agreement. Existing Orders retain their applicable agreement unless validly amended; new payment remedies do not apply retroactively merely because Terms change.

4. Ending Service and Refunds

4.1 Breach and Suspension

What this means: Breaches generally receive notice and time to fix them; urgent risks or provider limits may require a narrower restriction on an affected feature.

We may terminate affected Services for a material breach not cured within fifteen calendar days after written notice describing it; an incurable breach may permit immediate termination. Payment default follows Section 3.4. You may terminate affected Services for our material service breach not cured within fifteen calendar days after written notice, subject to any earlier legal remedy. We may immediately restrict access for a credible security threat, unlawful activity, or serious harm, with notice when lawful and practicable. Customer-breach suspension or termination does not itself release lawful term payments; Section 4.4 applies.

We may refuse a request or temporarily restrict an affected AI feature when reasonably necessary to meet an applicable provider restriction, address suspected misuse or a security risk, or respond to provider unavailability. We limit the restriction to what is reasonably necessary, give notice when lawful and practicable, and restore access when the reason is resolved. A provider refusal or outage alone is not customer breach and does not justify forfeiting unrelated purchased Services or Section 4.4 remedies.

4.2 Other Termination

What this means: We may end service on 30 days' notice or for specified insolvency events, subject to law and the refund rules.

We may end Services for any or no reason on 30 days' prior written notice. We may also terminate immediately for insolvency, a bankruptcy filing or petition, assignment for creditors, or appointment of a receiver or trustee, subject to mandatory insolvency and other law and Section 4.4. Customer cancellation and software transitions follow Section 3.3.

4.4 Refunds and Adjustments

What this means: Nonuse alone does not earn a refund, but billing errors and qualifying company-caused endings require refunds or fee reductions.

Nonparticipation, voluntary withdrawal, dissatisfaction with business results, or choosing not to use available Services does not itself entitle you to a refund or release. We refund erroneous or duplicate charges.

If we end service without your material breach or misconduct, or you end it for our uncured material breach, we cancel fees for the unprovided portion and refund payments exceeding fees for the provided portion. Allocation follows elapsed days in the service term unless your accepted Order separately prices deliverables and states their termination treatment. Completed, separately priced work is not unused service. Required refunds are made without undue delay and within legal deadlines. Unmet expectations about profits, financing, tax savings, or other outcomes do not alone establish a service breach. This section overrides conflicting no-refund language and preserves mandatory rights.

5. Messages and Marketing Choices

What this means: Marketing texts need separate permission; message frequency varies, carrier charges may apply, and you can ask for help or opt out without canceling your purchase.

We may send lawful account, billing, service, and security communications. Accepting these Terms, providing a phone number, or enabling Rowe is not marketing permission. We obtain separate permission where required for marketing email or texts, affiliate referrals, and publicity. Consent to marketing texts is not a condition of purchase.

If you opt in to Legacy Farmer text messaging, you agree to receive the message types described when you enroll, such as appointment reminders, account or service updates, and customer support messages, and, if you separately opt in to marketing texts, training links, follow-ups, call invitations, offers, and upgrade or renewal offers. Messages may use automated technology where disclosed and authorized. Message frequency varies with your activity and the program you choose. Message and data rates may apply. You must own the number or have the subscriber's permission to enroll, and should tell us if it changes.

Text HELP for help, or contact support@legacyfarmer.com. Text STOP to opt out at any time. We honor other valid revocation requests as required by law. After opting out, you may receive a single nonpromotional confirmation; further texts within the withdrawn scope stop unless you validly opt in again. Necessary service communications use another permitted channel. Use the unsubscribe link to stop marketing emails. An opt-out does not cancel your purchase or lawful payment obligations.

Carriers are not liable for any delayed or undelivered messages, to the extent permitted by law. Text delivery is not guaranteed. Our collection, use, retention, and protection of messaging information are explained at https://www.legacyfarmer.com/privacy-policy.

6. Ownership, Public Content, and Copyright

6.1 Our Materials

What this means: Your subscription lets you use our services, not copy our protected materials into another product, including with AI; your own records and lawful independent work remain yours.

Our software, technology, training, designs, text, media, trademarks, and other materials belong to us or our licensors and are legally protected. Except as expressly permitted, do not copy, modify, sell, reproduce, distribute, republish, display, transmit, reverse engineer, or create derivative works from them without our prior written consent, which we may withhold or revoke. No trademark or logo license is granted. Your own records and outputs remain subject to Section 2.8.

These restrictions apply whether copying is done manually, through automated tools, or with AI. Except as we expressly authorize or applicable law permits notwithstanding this restriction, do not supply our protected code, designs, training materials, or other proprietary content to an AI system or another person to reproduce that material, create unauthorized derivative works, or build a competing product or service using it. Do not obtain or disclose our confidential technical information through unauthorized access, extraction, or circumvention. This does not restrict lawful use of your own records and outputs, authorized exports or integrations, independently developed work, public-domain material, or general ideas and skills that we do not own. It does not expand your license to our underlying software or materials.

Public website materials are for informational use. Incidental browser/RAM copies and caching are allowed. An application offered for download may be downloaded as a single copy under its applicable license. Do not alter materials or ownership notices, separate media from accompanying text, or commercially exploit public website materials without permission. Ask legal@legacyfarmer.com about other uses. Purchased software use, authorized edits, exports, report delivery, and your own content retain their permissions.

Unauthorized copying or use ends permission for that website-material use; at our option, return or destroy unauthorized copies. No ownership transfers. Purchased-service restrictions and termination still follow Sections 3 and 4.

6.2 Content You Choose to Share

What this means: We can display content to the audience you chose; private farm records do not become public posts or marketing material.

For content you intentionally post to a public or shared audience, you grant a nonexclusive, royalty-free license to host, reproduce, technically format, transmit, and display it only to deliver the Services to that intended audience, including through appropriately restricted providers. You must have the necessary rights. We need not prescreen content and may remove or restrict unlawful or prohibited material. Private records, messages, reports, Rowe content, support, and feedback are excluded from this public-content license. Benchmarking under Section 2.10 and outreach under Section 7.5 rest on their own permissions, never on this license. A submission grants no unrestricted or perpetual public-use right, advertising permission, testimonial release, or general-purpose AI-training permission; Section 2.8 and separate publicity authorization govern.

6.3 Copyright Complaints

What this means: Send copyright complaints with the information listed below.

We may disable or terminate accounts of users who infringe or are charged with infringing others' intellectual property, subject to applicable law and these Terms. Send a DMCA notice to Legacy Farmer's Copyright Agent at legal@legacyfarmer.com, subject "Copyright Claim," or the mailing address in Section 9.13. Include your physical or electronic signature; identification of the work (or representative list); identification and location of the challenged material; your contact details; a good-faith statement that the use is not authorized by the owner, agent, or law; and a statement that the notice is accurate and, under penalty of perjury, you are authorized to act for the owner of the exclusive right.

7. Optional Referrals and Introductions

7.1 Your Choice and Approval

What this means: Approve each named provider, message, and selected information before a referral or introduction is shared; a contact-only introduction shares no records.

Where lawfully available, you may request referrals or introductions to providers, including lenders, crop insurance providers, grain marketers, seed and equipment suppliers, accountants, attorneys, other agricultural or business providers, and affiliated companies, including providers with which we have relationships. These are examples of referral categories; we do not promise that any provider or service is available. This is optional: buying Services, accepting Terms, enabling Rowe, or sending a report to an existing adviser does not enroll you. Declining or withdrawing does not change purchased Services or payment obligations. Section 7.5 covers the different case of our own outreach to business contacts you provide.

Before staff or software shares your information with a provider, we identify each recipient, recipient contact details, purpose, message, and exact information and obtain your separate affirmative approval. Choose a name-and-contact-details-only introduction or selected farm and financial records, such as operational summaries, debt schedules, cash-flow reports, financial statements, or a lender packet. Contact-only approval does not authorize sharing financial statements, farm records, or access to your workspace. A request to find a provider does not authorize disclosure to unnamed recipients. New recipients, added records, materially changed messages, or a new purpose require fresh approval. Permission to share with a lender does not extend to an insurance provider, grain marketer, seed supplier, or other recipient. Giving you a provider's contact details, without sending your information to that provider, needs no outbound-sharing approval. You must have authority to share business records and other people's information and review accuracy before sending.

An introduction identifies you and allows the approved provider to contact you about that inquiry. It is not anonymous. We do not use aggregate-data language to circulate your profile without approval. Approval does not grant full-workspace access, permit unrelated marketing, or authorize sale of private farm records. Section 2.8's sending safeguards apply; staff-assisted approvals must also identify recipients and materials in a recorded authorization. We use reasonable safeguards and limit sharing to the approved scope.

7.3 Withdrawal and Recipient Copies

What this means: You can withdraw permission for future sharing, but dispatched information and provider-held copies may remain.

Withdraw future-sharing permission through an available control or legal@legacyfarmer.com; support routes requests internally. We stop future disclosures within that scope once withdrawal is received and processed, subject to law. Withdrawal is not approval for another recipient. Already dispatched transmissions may complete, and delivered copies cannot be recalled. We retain appropriate authorization and delivery evidence under the Privacy Policy. The provider handles its copies under its own notice and law; requests about them may need to go to that provider.

7.4 Scope, Fees, and Responsibility

What this means: Providers decide what they offer; we disclose any referral fee or relationship before you approve, and customer fees or additional paid services require separate agreement.

We or an affiliate may receive a referral fee, commission, discount, or other material benefit from a provider. With a recommendation or referral, and before you approve an introduction, we clearly disclose the actual material ownership or affiliation and compensation or benefit, including the payer and amount or calculation method where applicable. A general statement in these Terms does not replace that disclosure. Before sharing, we provide the provider's available privacy notice. Arrangements must be lawful; these Terms create none. Any customer fee needs separate disclosure and an accepted agreement before it is incurred. You need not use a referred provider.

Providers supply their own products and services under their own agreements and independently decide whether to respond, request information, or make an offer. We guarantee no financing, approval, rate, insurance coverage, grain price, product performance, savings, closing, or other outcome, and no coverage of every available option. You decide whether to apply, buy, or accept. Referrals do not authorize us or Rowe to negotiate debt, broker or arrange financing, sell or bind insurance, provide regulated advice, place trades, submit or sign applications, request credit reports, accept offers, or move funds. Additional paid services, including debt restructuring or financing placement, require a separate accepted engagement and required qualifications and authorizations; consent cannot override licensing or legal restrictions.

Sections 8 and 9 apply subject to this section, the Privacy Policy, and mandatory law. Participation does not waive claims for unauthorized disclosure, breach of our express commitments, or nonwaivable liability. You do not assume responsibility merely because a provider receives or uses an authorized disclosure. No guarantee of financing or another outcome excuses failure to follow approved instructions.

7.5 Optional Partnership and Marketplace Outreach

What this means: You may separately allow us to approach selected business contacts about Legacy Farmer partnerships or marketplace participation; we do not include your private financial records in that outreach.

With your separate affirmative permission, we may use selected business contact details you provide to explore partnerships, provider participation, or marketplace opportunities for Legacy Farmer and Farmer Metrics. We explain the purpose and identify the contacts and information covered before you approve.

This permission is optional and is separate from storing a contact, requesting help from an adviser, authorizing a report send, or accepting these Terms. Declining does not affect purchased coaching or software.

Outreach identifies Legacy Farmer's own business purpose. It does not imply your endorsement or permission to disclose your private records, balances, loan terms, private notes, or other financial information. We do not identify you as the referring customer without your approval.

Your authorization does not substitute for any consent or other lawful basis required to contact the recipient. We follow applicable communication rules and honor recipient opt-outs. We obtain a provider's agreement before presenting it as a participating marketplace partner.

You may withdraw permission for future use of your uploaded contacts for this outreach through legal@legacyfarmer.com. Withdrawal does not recall delivered messages. Any subsequent relationship with the provider must have its own lawful basis; your permission does not authorize continuing marketing to a recipient who has opted out.

8. Warranties, Liability, and Claims Against Us

8.1 Service Limitations

What this means: We do not promise flawless service or guaranteed results; the stated commitments and mandatory legal duties still apply.

To the fullest extent law permits, Services, content, and free trials are provided "as is" and "as available," at your risk, without express or implied warranties, including merchantability, fitness for a particular purpose, and noninfringement. We do not guarantee completeness, accuracy, security, reliability, uninterrupted availability, correction of defects, freedom from harmful code, or satisfaction of your needs. Trials are for evaluation at your risk without liability for resulting damages to the extent lawful. Use appropriate virus protection, accuracy checks, and external backups. These exclusions do not remove our express action, privacy, or refund commitments or warranties and rights that cannot legally be excluded.

8.2 Limits on Damages

What this means: Covered related claims share one damages cap across protected parties, with the refund, express-duty, and mandatory-law protections stated below.

To the fullest extent law permits and subject to the express commitments in Sections 2.8, 4.4, and 7, Legacy Farmer, its affiliates, officers, directors, employees, contractors, licensors, providers, suppliers, successors, assigns, and agents exclude liability under any legal theory, including contract and negligence, for damages arising from use or inability to use the Services, content, downloads, or linked sites. This includes direct, indirect, special, incidental, consequential, and punitive damages; injury, pain, emotional distress, lost revenue, profit, savings, business, use, goodwill, or data; and damage from harmful code or network attacks, even if foreseeable.

For claims concerning coaching or Farmer Metrics, where liability remains, the total aggregate liability of all parties protected above for claims arising from the same or related events will not exceed the greater of $500 or fees you paid for the Services giving rise to those claims during the twelve months before the first event giving rise to them, to the extent lawful. This is one shared cap for those related claims across all legal theories and protected parties, not a separate cap for each claim, AI output, action, or party.

The cap does not reduce refunds or fee adjustments owed under Section 4.4, excuse our express action, privacy, or sharing duties, bar claims to enforce those duties, or limit liability that law does not allow us to limit. Damages for such claims remain subject only to lawfully applicable exclusions and limits.

We disclaim responsibility for users' actions, independent third-party acts or content, and identity theft or others' misuse of your information to the extent lawful; we have no general duty to monitor all use. We do not guarantee that an external recipient receives or acts on a message. These provisions preserve the specific Rowe and sharing commitments and nonwaivable rights; they do not reduce Section 3's lawful payment obligations, subject to Section 4.4.

8.3 Your Responsibility for Claims

What this means: You may have to defend and pay certain claims and costs connected to your use or conduct, within the limits below.

To the extent lawful, you must defend, indemnify, and hold harmless the parties protected in Section 8.2 from claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising from your use of Services, breach of these Terms, violation of law or others' rights, misuse of third-party services, or failure to secure your data and communications. This includes fraudulent, criminal, or illegal activity by you or your users alleged by an authority or third party and survives the subscription. Cooperate in the defense; we may assume exclusive defense and control, and you may not settle without our prior written consent. Section 7's protections and mandatory law continue to apply.

9. Disputes, Community Protections, and General Terms

9.1 Governing Law and Claim Deadline

What this means: This sets governing law and court location, plus a one-year claim deadline and possible legal-fee recovery for coaching or software disputes, where lawful.

Delaware law governs coaching and Farmer Metrics matters; Kansas law governs disputes solely about public website use. Conflict-of-law rules are excluded, and mandatory rights remain available. For disputes not subject to arbitration, the parties consent to Kansas state or federal courts, with Sedgwick County venue for coaching or Farmer Metrics matters, subject to the intellectual-property exception and mandatory law. For coaching or Farmer Metrics disputes, the prevailing party in litigation or arbitration may recover reasonable legal fees, costs, and expenses from the other party.

For coaching or Farmer Metrics, to the extent law permits, any claim arising from these Terms or those Services must be filed within one year after it arises or is permanently barred.

9.3 Arbitration and Individual Proceedings

What this means: Disputes generally go to individual arbitration, with restrictions on group cases and jury trials and the exceptions below.

To the extent enforceable, disputes concerning these Terms or Services, including interpretation, validity, performance, or termination, must be finally resolved by binding arbitration, under American Arbitration Association rules and the law identified in Section 9.1. Coaching and Farmer Metrics arbitrations take place in Wichita, Kansas; website-only hearing locations follow applicable AAA rules and mandatory law. The parties select an arbitrator by agreement; otherwise, they choose a list of seven meeting AAA minimum qualifications and alternate striking names until one remains. Legacy Farmer may pay fees required for this provision to be enforceable. Consumers have a right to an in-person hearing.

The proceeding and existence of the dispute are confidential, except either party may disclose them to its and its affiliates' lawyers, insurers, auditors, and professional advisers or as required by law. Parties may exchange relevant nonprivileged information. The arbitrator must issue a written decision with essential findings and conclusions. Except where law requires otherwise or the intellectual-property exception applies, submit disputes to arbitration before seeking court enforcement of an award.

Proceedings must be individual, not class, consolidated, collective, representative, or private-attorney-general actions, to the extent lawful; an arbitrator may not combine different people's disputes. For website-only disputes, if this waiver is unenforceable, those group claims must proceed in court rather than arbitration. If a claim proceeds in court, both parties waive jury trial unless prohibited by law. Either party may seek an injunction against infringement or misuse of intellectual property in a Kansas state or federal court. Mandatory rights to a court, regulator, or other remedy remain available.

9.5 Events Beyond Our Control

What this means: Certain disruptions outside our control can excuse performance failures, but the stated refund and adjustment rules still apply.

We are not liable for failure caused by events beyond our reasonable control, including disease outbreaks, government action or shutdowns, severe weather, natural disasters, fire, explosion, war, civil disorder, labor disputes, utility, communications or third-party service failures, or hostile network attacks. We resume performance promptly when the cause ends. This does not remove Section 4.4's refund and adjustment protections.

9.6 Customer Solicitation and Employee Recruitment

What this means: Do not use program access or private information to target covered customers or employees during the defined period and twelve months afterward; independent-activity exceptions apply.

Customer protection. Do not use program or community access or nonpublic customer information to target customers with competing offers, yourself or through others. This applies to every participant, whether or not operating a competitor when joining.

A "Covered Customer" is a current Legacy Farmer or Farmer Metrics customer whose identity, customer relationship, contact details, or business needs you learned through participation, community access, directories, introductions, or other nonpublic Service information. You need not have communicated with them inside the Services.

During relevant community, customer, or nonpublic-information access and for twelve months after it ends, do not knowingly target a Covered Customer with competing services or induce them to cancel, reduce, or move business to a competitor. "Competing services" means coaching, consulting, education, or farm financial-management software competing with a service we actually provide that customer when solicited. Do not collect, copy, or pass along member identities, lists, contact details, or nonpublic information to facilitate this, or direct, arrange, or knowingly assist someone else to do it.

The twelve months starts when relevant access ends, even if you keep software limited to your own records. Keeping previously obtained information does not restart or extend it; other privacy, confidentiality, intellectual-property, and lawful-use duties continue. Restored relevant access triggers the restriction during that access and twelve months afterward.

Permitted activity includes ordinary farm business unrelated to competing services, general advertising not directed at Covered Customers using program information, business relationships independently established without program access or information, and genuinely unsolicited inquiries not prompted by prohibited outreach. These exceptions do not permit nonpublic-information targeting, calling copied lists independent sources, or arranging prohibited approaches through others.

Employee protection. Separately, do not use service-derived relationships or nonpublic employee information to target a current Legacy Farmer employee with whom you had material professional contact through the Services for recruitment into a competing business. This applies during that contact or access and twelve months afterward; software-only access without that contact does not extend it. General job advertising, recruiting based on independent relationships without program-derived information, and independently submitted applications without prohibited solicitation are allowed. This is not a general hiring ban.

These restrictions cover your conduct and conduct you direct or knowingly assist, including through representatives or another business; they do not bind unrelated people. They do not generally prohibit competition, lawful complaints, reviews, regulator reports, or nonwaivable rights. Remedies follow these Terms' notice, suspension, termination, payment, and dispute rules and law. No automatic fine, acceleration, or override of required refunds is created. Restrictions apply only where lawful.

9.7 Other Contract Rules

What this means: These rules explain the written agreement, transfers, waivers, and obligations that can continue after service ends.

Failure to enforce a right does not waive it or later breaches. A Company waiver must be in writing signed by an authorized officer or representative. An unlawful or unenforceable provision is severable; the remainder continues. We may assign these Terms or rights and obligations without notice; you need our prior written consent to assign yours. Duties intended to continue survive termination, including lawful payments on original due dates, subject to Sections 3 and 4. These Terms create no agency, partnership, joint venture, employment, or franchise relationship.

These Terms, applicable Order, Privacy Policy, Cancellation Policy, and expressly incorporated agreements form the entire agreement about their subject, replacing prior understandings. You do not rely on representations or warranties outside them. Headings aid reading and do not change meaning. Section 3.5 and separately accepted additional-service agreements control their subjects; a policy update does not replace existing commercial terms or enroll you in more services.

9.12 Updates

What this means: Material updates follow applicable notice and acceptance rules; posting a change does not automatically authorize new uses of existing information.

We publish Terms at legacyfarmer.com/terms with the version and effective date. Material changes receive advance notice required by law or an existing agreement and affirmative acceptance where required or where continued use of affected features is conditional on it. Updates do not retroactively authorize new uses of collected information; we obtain additional permission where required.

9.13 Contact

What this means: Use legal for notices and privacy requests, and support for billing, cancellations, and software help; we route misdirected requests internally.

Legal notices, disputes, copyright, and privacy requests: legal@legacyfarmer.com. Billing, cancellations, coaching changes, software help, and errors: support@legacyfarmer.com. We route misdirected requests internally; using the other inbox alone does not invalidate a cancellation or privacy request.

Legacy Farmer, Inc.

PMB 200

4320 Vine Street Unit 80

Hays, KS 67601