Do Not Sell My Personal Information

Overview

Under the California Privacy Rights Act (CPRA) and other state privacy laws, residents have the right to opt out of the "sale" or "sharing" of their personal information. This page explains what information may be sold or shared, how you can exercise your rights, and important limitations to be aware of.

LEGACY LOANS LTD operates as a loan matching platform and receives compensation when we connect users with lending partners and service providers. This compensation arrangement may be considered a "sale" under certain state privacy laws, even though you do not directly pay us for our services.

Your Right to Opt Out

You have the right to request that we stop selling or sharing your personal information. If you are a resident of California or another state with applicable privacy laws, you may exercise this right at any time.

What This Means

When you opt out of the sale of your personal information:

• We will stop sharing your information with third parties for marketing purposes where we receive compensation
• We will not share your data with advertisers or other third-party marketers for their promotional use
• Your opt-out preference will be honored prospectively (from the date of your request forward)
• We will comply with your request within legally required timeframes

What Information May Be "Sold"

Under state privacy laws, "sale" is broadly defined to include sharing personal information in exchange for valuable consideration, which may include monetary payment or other benefits.

The following categories of information may be considered "sold" when we share them with lending partners, service providers, or marketing partners in exchange for compensation:

• Identifiers: Name, email address, phone number, mailing address, IP address
• Personal Characteristics: Age, date of birth, employment status, military status
• Financial Information: Income information, requested loan amount, loan purpose, bank name
• Commercial Information: Records of products or services you have shown interest in or requested
• Internet Activity: Browsing activity, referring pages, device information

We do not sell Sensitive Personal Information as defined under the California Privacy Rights Act (CPRA), which includes Social Security numbers, precise geolocation data, or detailed financial account information.

How to Submit an Opt-Out Request

To opt out of the sale or sharing of your personal information, please contact us using one of the following methods:

What to Include in Your Request

To help us process your request quickly, please provide:

• Your full name
• Email address associated with your account or request
• Phone number (if applicable)
• State of residence
• A brief description of your request

Verification Process

To protect your privacy and security, we will verify your identity before processing your opt-out request. This may require you to confirm information you previously provided to us. We will respond to verified requests within the timeframes required by applicable law (typically 15-45 days depending on your state of residence).

Important Limitations

Business Purposes vs. Sale

Please note that opting out of the "sale" of your personal information does not prevent us from sharing your information for essential business purposes, including:

• Loan Matching Services: Sharing your information with lending partners to fulfill your loan request is a core business function and is not considered a "sale" under the law
• Service Delivery: Sharing data with service providers who assist in operating our platform (such as hosting providers, security services, or payment processors)
• Legal Compliance: Disclosing information when required by law, regulation, or legal process
• Security and Fraud Prevention: Sharing information to detect, prevent, or investigate security incidents or fraudulent activity

Impact on Service Availability

If you opt out of the sale of your personal information, we will still be able to provide our core loan matching services. However, you may receive fewer promotional offers or marketing communications from third parties.

If you prefer not to have your information shared with lending partners at all, we recommend that you do not submit a loan request through our platform.

Right Against Discrimination

We will not discriminate against you for exercising your right to opt out. You will not be denied services, charged different prices, or provided a different level of service quality solely because you opted out of the sale of your personal information.

Other Privacy Rights

In addition to the right to opt out of sales, you may also have other privacy rights depending on your state of residence, including:

• Right to Know what personal information we collect and how it is used
• Right to Delete your personal information (subject to legal limitations)
• Right to Correct inaccurate personal information
• Right to Data Portability (receive a copy of your data in a portable format)
• Right to Limit the Use of Sensitive Personal Information

To learn more about these rights and how to exercise them, please review our complete Privacy Policy.

Questions or Concerns

If you have questions about your privacy rights, our data practices, or how to submit an opt-out request, please contact us: