FACTS
WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies determine how consumers' personal information may be shared. Consumers have the right to restrict certain types of data sharing, though not all sharing can be limited. We are committed to clarity and transparency regarding how we collect, use, disclose, and safeguard your personal information. Please review this Privacy Policy carefully to understand our practices.
What?
The categories of nonpublic personal information we collect and share depend on how you interact with our platform—whether you are simply browsing our website or submitting a loan-related request. Such information may include, but is not limited to, the following:
Identifiers:
Full name, email address, phone number, mailing address, IP address, and other identifying or contact details.
Personal Characteristics:
Age, date of birth, employment status, military status, and similar demographic information.
Financial Information:
Social Security number, bank account details, income information, requested loan amount, loan purpose, and related financial data.
Commercial Information:
Records of financial products or services you have shown interest in or requested through our platform.
Internet or Network Activity:
Browsing activity, IP address, referring and exit pages, device information, and interactions with our website.
Communication Records:
Customer service inquiries, support communications, feedback submissions, and survey responses.
Sensitive Personal Information (as defined by the California Privacy Rights Act – CPRA):
Social Security number, government-issued identification numbers, exact date of birth, and bank account information.
How?
We use and share personal information as necessary to operate our business and provide our services ("Business Purposes").
Without limitation, we collect and use personal information to:
- Process loan requests and facilitate connections with lending partners
- Provide information regarding Financial Products or Services
- Improve user experience and streamline future requests across our affiliated platforms
- Detect, prevent, and mitigate fraud or unauthorized activity
- Comply with legal, regulatory, and contractual obligations
- Support internal business operations and restructuring
- Carry out any additional purpose for which you have provided express consent
To enhance efficiency, we may review information previously collected through our affiliated websites (such as name, contact details, date of birth, employment, or housing information) to simplify your current request. Similarly, information collected through this website may be used to facilitate your experience on other affiliated platforms.
DEFINITIONS
Affiliates
Companies related by common ownership or control. These entities are non-financial companies.
Non-Affiliates
Companies not related by common ownership or control. These may include financial or non-financial entities.
Financial Product or Service
Any product, service, plan, or program intended to:
- (a) provide, arrange, or assist with obtaining a loan or other extension of credit;
- (b) facilitate access to credit, debit, or stored value cards;
- (c) improve or repair a consumer's credit profile; or
- (d) provide tools or information designed to support credit management or improvement.
Categories of Non-Affiliates With Whom We Share Information
- Individual lenders
- Networks of lending institutions
- Financial technology companies partnering with licensed banks
- Providers of Financial Products or Services such as credit monitoring or credit improvement tools
- Other non-affiliate service providers supporting our marketing and operational activities
WHO WE ARE
Who is providing this notice?
This Privacy Policy is provided by LEGACY LOANS LTD, which operates the Payday Cash Advance: LGY Loans platform and is responsible for collecting and processing personal information as you interact with our services.
WHAT WE DO
How We Protect Your Information
We maintain commercially reasonable safeguards designed to protect personal information, including:
- Encrypted data transmission
- Firewalls and secure storage environments
- Restricted access to sensitive data
- Multi-factor authentication protocols
- Routine security assessments
- Incident response and breach mitigation procedures
- Controlled data sharing governed by contractual confidentiality and security obligations
Despite these efforts, no online data transmission can be guaranteed to be completely secure.
How Do We Collect Your Personal Information?
We collect personal information when you:
- Submit a loan request through our website or affiliated platforms
- Browse or interact with our website, complete forms, or respond to surveys
- Communicate with us via email or other channels
We may also receive personal information from lending partners involved in responding to your request.
Why Can't You Limit All Sharing?
Applicable laws do not permit consumers to limit information sharing required for legitimate business purposes, including processing loan requests, maintaining security, and preventing fraud.
OTHER IMPORTANT INFORMATION
Understanding Your Privacy Rights
Depending on your state of residence, you may have specific rights regarding your personal information. Requests are subject to residency verification and eligibility confirmation.
Available rights may include:
Right to Know
You may request details regarding:
- Categories of personal information collected
- Sources of collected information
- Business or commercial purposes for data use
- Categories of third parties receiving your data
- Specific pieces of personal information collected
Right to Delete
You may request deletion of your personal information, subject to legal limitations.
Right to Correct
You may request correction of inaccurate personal information.
Right to Opt Out of Sale or Targeted Advertising
You may request that we stop selling your personal information. We will comply within legally required timeframes. However, data sharing for Business Purposes related to loan matching may continue. If you do not want your information shared with lending partners, please do not use our services.
Right to Limit Use of Sensitive Personal Information
California residents may limit the use of Sensitive Personal Information. Our use is already restricted to essential business purposes.
Right to Data Portability
You may request a portable, machine-readable copy of your personal information.
Right Against Discrimination
We will not discriminate against you for exercising your privacy rights.
How to Exercise Your Rights
To submit a request, please contact us by email. We will verify your identity and residency before processing the request, which may require confirmation of previously provided information.
Requests may be denied if verification cannot be completed or if the applicable state law does not grant the requested right. We will respond within legally mandated timeframes.
Residents of Colorado, Connecticut, and Virginia may appeal a denial by contacting us via email.
Contact Information
If you have questions about this Privacy Policy or your privacy rights, please contact us at:
Email: [email protected]
Website: legacy-loans-ltd.com