PRIVACY POLICY
Effective Date: September 15, 2026
Last Updated: September 15, 2026
Legacy Capital Lending (“Legacy Capital Lending,” “Legacy,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.
This Privacy Policy describes how we collect, use, disclose, retain, and protect personal information when you visit our website, contact us, request information, submit a loan inquiry or application, or otherwise use our mortgage and financial services.
By using our website or providing information to us, you acknowledge the practices described in this Privacy Policy.
1. INFORMATION WE MAY COLLECT
Depending on your interaction with Legacy Capital Lending, we may collect the following categories of information:
Personal Identifying Information
- Name
- Mailing or residential address
- Email address
- Telephone number
- Date of birth
- Social Security number
- Driver’s license or other government-issued identification
Financial and Mortgage Information
- Income and employment information
- Bank and financial account information
- Assets and liabilities
- Credit history and credit-related information
- Mortgage and loan information
- Property information
- Purchase price and requested loan amount
- Occupancy information
- Tax and income documentation
- Other information necessary to evaluate, process, close, or service a mortgage transaction
Website and Technical Information
When you visit our website, certain information may be collected automatically, including:
- IP address
- Browser and device type
- Operating system
- Pages visited
- Date and time of visits
- Referring website
- Cookies and similar technologies
- Website interaction and usage information
We may use analytics and other technology providers to help us understand how visitors interact with our website.
2. HOW WE COLLECT INFORMATION
We may collect personal information:
- Directly from you through our website, telephone calls, emails, text messages, applications, forms, or other communications;
- From mortgage applications and supporting documentation you provide;
- From credit reporting agencies, with appropriate authorization when required;
- From lenders, banks, title companies, escrow companies, appraisal companies, real estate professionals, insurance providers, and other parties involved in your transaction;
- From service providers that assist us with mortgage origination, processing, underwriting, compliance, marketing, technology, or customer service;
- From public records and other legally permitted sources; and
- Automatically when you interact with our website.
3. HOW WE USE YOUR INFORMATION
Legacy Capital Lending may use personal information to:
- Respond to mortgage and loan inquiries;
- Evaluate potential loan programs and financing options;
- Process mortgage applications;
- Verify identity, income, employment, assets, credit, and other application information;
- Obtain credit reports when authorized;
- Submit loan applications to lenders and financing partners;
- Process, underwrite, close, and facilitate mortgage transactions;
- Communicate with borrowers, applicants, prospective customers, and business partners;
- Provide customer service and transaction updates;
- Maintain records relating to your transaction;
- Detect and prevent fraud, identity theft, and other unauthorized activity;
- Comply with federal, state, and local laws and regulatory requirements;
- Improve our website, products, and services;
- Perform internal business, administrative, compliance, and analytical functions; and
- Send marketing or informational communications where permitted by law.
4. HOW WE DISCLOSE INFORMATION
We may disclose personal information when reasonably necessary to provide mortgage services or conduct our business.
Recipients may include:
- Wholesale mortgage lenders and financial institutions;
- Banks and other financing providers;
- Credit reporting agencies;
- Loan processors and underwriters;
- Appraisers and appraisal management companies;
- Escrow and settlement companies;
- Title companies;
- Insurance providers;
- Real estate professionals when appropriate to the transaction;
- Verification and fraud-prevention providers;
- Technology, hosting, CRM, communication, and data service providers;
- Attorneys, accountants, auditors, consultants, and compliance professionals;
- Government agencies and regulatory authorities when required by law; and
- Other parties authorized or directed by you.
We may also disclose information when required by law, subpoena, court order, regulatory request, or when reasonably necessary to protect our legal rights, customers, employees, or business.
5. SALE AND SHARING OF PERSONAL INFORMATION
Legacy Capital Lending does not sell personal information for monetary consideration.
We do not sell Social Security numbers, credit information, financial account information, mortgage application information, or other sensitive financial information.
Certain website technologies, analytics providers, or advertising services may involve disclosures of online identifiers or website activity that could be considered “sharing” under certain privacy laws. Where applicable, we will provide consumers with legally required choices regarding such activities.
6. COOKIES AND WEBSITE TECHNOLOGIES
Our website may use cookies and similar technologies to operate the website, remember preferences, analyze website traffic, improve performance, and understand how visitors use our services.
Third-party services used on our website may also place or access cookies in accordance with their own privacy practices.
You may be able to control cookies through your browser settings. Disabling certain cookies may affect website functionality.
7. DO NOT TRACK AND GLOBAL PRIVACY CONTROLS
Some browsers provide “Do Not Track” signals or other privacy preference mechanisms.
Because there is not a universally accepted standard for responding to traditional Do Not Track signals, our website may not respond to all such signals.
Where required by applicable law, we recognize legally valid browser-based opt-out preference signals, such as Global Privacy Control (“GPC”).
8. TEXT MESSAGES AND COMMUNICATIONS
If you provide your telephone number and consent to receive text messages, Legacy Capital Lending may communicate with you regarding your inquiry, application, loan transaction, appointment, or other requested services.
Where separately authorized, we may also send marketing communications.
Consent to receive marketing text messages is not a condition of obtaining mortgage services.
Message and data rates may apply. Message frequency may vary. You may opt out of marketing text messages at any time by replying STOP. You may reply HELP for assistance.
We do not sell or share mobile telephone numbers or SMS consent information with third parties for their independent marketing purposes.
9. EMAIL COMMUNICATIONS
We may use your email address to respond to inquiries, provide mortgage-related information, communicate regarding an application or transaction, and send other communications permitted by law.
Marketing emails will provide an appropriate method for opting out where required.
10. INFORMATION SECURITY
Legacy Capital Lending uses reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, misuse, or destruction.
We also expect service providers handling sensitive information on our behalf to maintain appropriate safeguards.
However, no website, electronic communication, or information storage system can be guaranteed to be completely secure. You should avoid sending highly sensitive information through unsecured email or website forms unless the transmission method is designed for secure document delivery.
11. DATA RETENTION
We retain personal information for as long as reasonably necessary to provide services, complete transactions, maintain business and compliance records, resolve disputes, enforce agreements, and satisfy applicable legal and regulatory requirements.
Mortgage and financial records may be retained for periods required by federal or state law even after a loan transaction has closed, been withdrawn, denied, or otherwise terminated.
12. CALIFORNIA PRIVACY RIGHTS
California residents may have certain rights regarding their personal information under applicable California privacy laws.
Depending on the law applicable to Legacy Capital Lending and the information involved, these rights may include the right to:
- Request information regarding personal information collected about you;
- Request access to certain personal information;
- Request correction of inaccurate personal information;
- Request deletion of certain personal information, subject to legal exceptions;
- Opt out of the sale or sharing of personal information where applicable;
- Limit certain uses or disclosures of sensitive personal information where applicable; and
- Exercise applicable privacy rights without unlawful discrimination.
Certain information collected or processed by financial institutions or in connection with financial products and services may be governed by federal or state financial privacy laws and may be exempt from certain provisions of California privacy law.
We may need to verify your identity before processing certain privacy requests.
13. GRAMM-LEACH-BLILEY ACT AND FINANCIAL PRIVACY
Because Legacy Capital Lending provides mortgage-related financial services, certain personal information may be subject to the Gramm-Leach-Bliley Act (“GLBA”) and other federal and state financial privacy requirements.
Where applicable, customers may receive additional financial privacy notices explaining how nonpublic personal information is collected, disclosed, and protected.
If there is a conflict between this website Privacy Policy and a legally required financial privacy notice applicable to a particular financial relationship, the applicable financial privacy notice will govern with respect to that information.
14. CHILDREN'S PRIVACY
Our website and mortgage services are intended for adults and are not directed toward children under the age of 13.
We do not knowingly collect personal information online directly from children under 13. If we learn that such information has been collected without appropriate authorization, we will take reasonable steps to delete it where required.
15. THIRD-PARTY WEBSITES
Our website may contain links to websites operated by lenders, service providers, government agencies, or other third parties.
Legacy Capital Lending is not responsible for the privacy practices, security, or content of third-party websites. We encourage you to review the privacy policies of any third-party website you visit.
16. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy periodically to reflect changes in our business practices, technology, legal requirements, or services.
When changes are made, the “Last Updated” date at the top of this page will be revised. Material changes may also be communicated through other appropriate means when required by law.
17. CONTACT US
If you have questions about this Privacy Policy, our privacy practices, or would like to submit a privacy-related request, please contact: info@mylegacycapitallending.com