Welcome to legacy-loans-ltd.com, operated by LEGACY LOANS LTD. This Marketing Practices disclosure explains how our Service operates, how we work with Lending Partners and Service Providers, how your information may be used for marketing purposes, and how we generate revenue. Please read this document carefully to fully understand our business model and practices.
Capitalized terms used in this disclosure have the meanings set forth in our Terms of Service.
1. WHO WE ARE
We are not a lender, creditor, bank, or financial institution. We do not make credit decisions, issue loans, or guarantee loan approvals.
We operate in two primary roles:
- We provide a free-to-consumer platform that connects users with third-party Lending Partners and Service Providers who may offer loan products or related financial services.
- We provide marketing, lead generation, and referral services to Lending Partners and Service Providers. In exchange, we receive compensation for marketing their products or services, sharing user information with them, and facilitating connections between users and such entities.
This business model allows us to offer our Service at no cost to you while supporting our operations, improving our platform, and maintaining the availability of our Service.
If you are not comfortable with your information being processed by Lending Partners or Service Providers, or if you do not wish to receive marketing communications related to credit or financial products, you should not use our Service.
2. HOW WE IDENTIFY POTENTIAL LENDERS
When you submit a request through our Site, we share your information with Lending Partners within our network to determine whether any lender may be interested in responding to your inquiry.
Important information to understand:
- By submitting information on our platform, you are requesting to be connected with third-party lenders. You are not applying for a loan with us.
- Our Service does not represent the entire lending market, and not all lenders or financial products available nationwide are included.
- If more than one lender expresses interest, our system may prioritize connections based on several factors, including the compensation offered to us by Lending Partners for referrals.
- If no lenders initially express interest, we may route your information through one or more Lending Partners who will attempt to match you with additional lenders. This process is intended to increase the likelihood of locating a lender willing to review your request.
3. LENDERS MAY CONTACT YOU DIRECTLY
Once a Lending Partner indicates interest, we share your information with that lender. The lender may contact you directly regarding loan options and may also market their products or services to you via email, text message (SMS), telephone calls, or other communication methods.
Such communications may occur even if you ultimately do not accept or complete a loan transaction. To stop receiving communications from a specific lender, you must follow that lender's opt-out instructions included in their messages.
4. YOUR RESPONSIBILITY TO REVIEW LOAN TERMS
As a lead generation and marketing platform:
- We do not guarantee loan approval, specific loan terms, or favorable interest rates.
- All lending decisions are made solely by the lenders with whom you are matched.
- Loan terms, fees, interest rates, and repayment conditions may differ from your preferences or expectations, and we do not know in advance what terms may be offered to you.
Tribal and Offshore Lenders
Some lenders within extended lending networks may operate under tribal sovereignty or offshore jurisdictions. These lenders may not be subject to state lending laws and regulations and may offer loan products with higher interest rates or materially different terms compared to traditional lenders.
You are strongly encouraged to carefully review all loan agreements and compare offers from multiple lenders before making any financial commitment.
5. MARKETING OF OTHER FINANCIAL SERVICES
If no lenders are identified for your request, we may:
- Redirect you to websites offering other financial or credit-related services, such as debt relief, credit repair, or credit monitoring.
- Use certain information you provided to present advertising that may be relevant to your financial profile.
- Request access to your consumer credit report (with your consent) to evaluate eligibility for specific financial services.
If you interact with such advertisements, including completing surveys or submitting additional information, we may share your contact details with advertisers so they can contact you directly.
These marketing activities help support our free Service and may provide access to alternative financial solutions. Clicking on advertisements or engaging with marketing offers is not required to receive any Service, product, or loan consideration.
6. MARKETING COMMUNICATIONS
By using our Service, you acknowledge and agree that we, our Lending Partners, Service Providers, and third-party marketing partners may send you marketing communications via email, SMS, telephone calls, postal mail, or other channels. These communications may include promotional messages, advertisements, and updates related to loans or other financial products and services.
We may also send general advertising materials by postal mail that we believe may be relevant to you. To facilitate these mailings, we may share your mailing address with third-party service providers.
You may opt out of marketing communications at any time without affecting your ability to use our Service, request lender connections, or access financial products. To unsubscribe, follow the instructions included in the communications or use the unsubscribe option available on our website.
7. PRIVACY CONSIDERATIONS
We process personal information in accordance with applicable privacy laws and our Privacy Policy.
While we take reasonable steps to safeguard your information, we do not control the privacy practices of third-party lenders, Service Providers, or advertisers. You are encouraged to review their privacy policies independently before engaging with their services.
8. CONTACT INFORMATION
If you have questions or concerns regarding these Marketing Practices or how your information is handled, please contact us at:
Email: [email protected]
Website: legacy-loans-ltd.com