Commencing on January 1, 2020
Current Date of Update: May 31, 2023
The website Legacy.com, Legacy mobile applications, and any other websites or applications connected to Legacy affiliates, subsidiaries, or products that refer the user or viewer to this Privacy Policy (collectively, “Legacy Services” or “Our Services”) are all covered by this online privacy policy, also known as the “Privacy Policy.” In this Privacy Policy, Legacy Funding, LLC dba Legacy Financial and its various subsidiaries and connected businesses are referred to as “Legacy,” “we,” “us,” or “our.” Any computer, tablet, smartphone, or other device you use to access our websites or use the Legacy mobile applications is referred to as “your device.” Links to websites run and controlled by other businesses may be found on Legacy-owned and maintained websites. Websites and services that are owned and run by third parties are exempt from this privacy statement.
The following are included in the Privacy Policy, but they are not all:
the data that we gather via our services;
How we get personal data about you;
How your private data is handled and safeguarded;
When and who we provide your personal data to; and
What options you have regarding how we gather, utilize, and distribute your personal data;
If you have any questions, please get in touch with us after carefully reading this policy.
You agree to the terms of the revised Privacy Policy by using any of the Legacy Services.
The Data We Gather and How We Gather It for Our Services
Through Our Services, we gather both personally identifiable information and non-personally identifiable information.
We gather any personal information that can be used to identify a visitor or user, such as name, address, phone number, email address, state of residence, amount of unsecured debt, interactions with our services, how the visitor found us, and any other information the visitor chooses to give us as long as they do so voluntarily.
The visitor’s browser type, device type, and operating system; the area or areas of Our Services visited; the date and time of access; host or Internet service provider (ISP) information; and the identity of the referring site (any site from which the visitor accessed Our Services) are among the non-personal data we gather.
How We Utilize Your Data
The following are just a few ways we might use the data we get about you via Our Services:
offer our services to you;
enhance, update, or change our offerings;
offer consumer support;
enlist consumers or visitors who want debt relief or financing services;
give necessary notices or details about Our Services;
provide promotional goods or marketing communications that would be of interest to you and help us identify appropriate advertising;
customize the way you interact with our services;
safeguard against, detect, and stop fraud, infringement, and other possible abuses; and
respect and uphold applicable laws as well as pertinent industry norms and guidelines.
How Social Security Numbers Are Gathered, Used, and Safeguarded
Social Security numbers, or “SSNs,” may be gathered by Legacy during business operations. We work to preserve the privacy and security of SSNs under our custody, control, or possession by: (i) restricting access to SSNs and (ii) putting in place appropriate procedures to prevent their loss, misuse, or unauthorized disclosure.
How We Employ Data Gathering Instruments
Third-party cookies, beacons, tags, and scripts are used to help gather the aforementioned types of information as well as aggregated information from your web browser, including your online activity, when you visit our website.
Cookies
When you use Our Services, Legacy may install electronic “cookies” in your computer’s or mobile device’s browser files. Cookies are little text files that websites you visit send to your browser. Cookies can be classified as “session” or “persistent.” Because persistent cookies stay on your device until you delete them or they expire, they are often referred to as stored or permanent cookies. When you exit your browser, session cookies are deleted from your device.
Both session and persistent cookies are used by our services. In order to improve the user experience of our services, persistent cookies allow us to monitor and target the interests of our users. You can navigate Our Services more easily thanks to session cookies.
In order to continuously enhance and customize the website to user preferences, we use cookies to track information about how the website is used and to enhance the functionality of Our Services. Specifically, we might use the data we collect from your use of our cookies to: (i) identify your computer when you visit the website; (ii) follow you around while you use Our Services; (iii) make Our Services more user-friendly; (iv) analyze how you use Our Services; and (v) customize the website for the visitor, including showing relevant ads.
Other technologies, such as web beacons
Other technologies, such as “web beacons” (sometimes called Internet tags, pixel tags, or clear GIFs) and the analysis of “click stream” data, may be used in addition to cookies to gather non-personally identifiable information about how you use Our Services. Web beacons can be used to send data gathered by cookies back to a web server and connect web sites to web servers and cookies. The virtual footprint you create when you browse the Internet and visit our websites is known as “click stream” data. We collect information about visits to Our Services using click stream data and web beacons. The information does not personally identify you, but it can contain details about your equipment, like your IP address.
Your Options
Most web browsers are configured to accept cookies automatically. Nevertheless, by modifying the settings in your browser’s “Help” area, you may usually block cookies or accept them only in certain situations. Cookies that have already been installed on your device can also be removed.
A less seamless or customized browsing experience could result from certain features of Our Services not working or from some features not displaying correctly if cookies are rejected. Although we still get a record of a visit, blocking cookies will also stop web beacons from tracking your activity and stop us from gathering some other data, like your IP address.
Please visit http://www.allaboutcookies.org for more general information about cookies and more specific guidance on how to activate and disable them.
Technology for Site Recording
Site visit recording technology, such as third-party technology like Jornaya’s Lead ID or Active Prospect’s TrustedForm, is what we utilize to document site visits. We independently record users’ consent to be contacted using LeadID and/or TrustedForm. We independently record users’ consent to be contacted using LeadID and/or TrustedForm. When you interact with the page or pages where the LeadID and/or TrustedForm Script is embedded on our website, it gathers the following data: the URL of the page, mouse clicks and movements, contact details entered by the user, a screenshot of the page that includes the user’s IP address, the time spent on the page, the date and time the LeadID and/or TrustedForm Script was loaded, the date and time of the user’s various interactions with the page, and HTTP headers from the user’s browser. Please examine the ActiveProspect Privacy Policy, which can be found at https://activeprospect.com/privacy-policy/, for additional details regarding the company’s data use and gathering policies and procedures. Please refer to the Jornaya Privacy Policy, which may be found at https://www.jornaya.com/consumer-privacy-policy/, for additional details regarding the company’s data use and gathering policies and procedures.
Technology for Chat Boxes
Additionally, we might leverage outside service providers, like Intercom, to offer chat support so that our clients can contact us via our client portal. Our goal is to protect your privacy as much as possible when you use our websites and Legacy’s chat services. The date you communicate with Legacy, the last day you contacted Legacy, and other messages, comments, and conversations you have through the chat systems are just a few examples of the information we may be able to track from this website and your interactions with the chat systems. When you ask a question through the chat system and answer a question from the chat system, the chat system gathers the information you willingly enter in the chat box. Furthermore, when you use our chat system, it records the exchanges you have with an Legacy customer support agent. Making educated choices about whether to provide us with personally identifiable information via our website will help you get the most out of your privacy partnership with Legacy. Your chat box conversations with Legacy could be intercepted, recorded, or examined by third-party chat box systems. Please refer to the Intercom Privacy Policy, which may be found at https://www.intercom.com/legal/privacy, for additional details regarding Intercom’s data usage and collection policies and procedures.
Analytics from Third Parties
In order to assess how Our Services are being used and to assist us in enhancing Our Services, performance, and user experiences, we make use of automated third-party analytics services like Google Analytics and Facebook Pixels. To carry out their services, these organizations might make use of cookies and other tracking technology. Although your name and contact details are not shared with these third-party analytics providers, the data that the cookies produce about how you use the site, including your IP address, may be sent to and kept on US servers by these companies. These service providers might use this data to assess how you use the website, create reports on website activity for website operators, and offer additional services related to internet usage and website activity.
Networks for Third-Party Advertising
Advertisements on third-party websites or other media (such social networking platforms) are served by third parties, such as network advertisers. This makes it possible for us and these third parties to show you ads for goods and services that you might find interesting. Cookies, JavaScript, web beacons (including clear GIFs), Flash cookies, and other tracking technologies may be used by advertisers, sponsors, third-party ad network providers, and/or traffic measurement services to gauge the success of their advertisements and tailor advertising content to you. The privacy policies of each third party, not this one, regulate these third-party cookies and other technologies. We might give these third-party advertisers your personal data.
Visit the Network Advertising Initiative at www.networkadvertising.org and the Digital Advertising Alliance at www.aboutads.info to find out more about interest-based ads, your opt-out rights, and your options. You will still see advertisements on our site if you decide to opt out, but they won’t be determined by your browsing and purchasing habits.
How Do Not Track Signals Affect Us
How do we react to Do Not Track (“DNT”) signals from web browsers or other tools that give users the option to control how personally identifiable information about their online activities is collected over time and across websites or services owned by third parties?
Since we don’t track specific people online, we don’t currently respond to web browsers that set their settings to “Do Not Track.”
When a customer uses Legacy Services, may third parties gather personally identifiable information about their online activity over time and across many websites?
No.
To learn more about Do Not Track, go to www.allaboutdnt.com.
Protection of Data and Communications on the Internet
We take appropriate security measures to protect the personally identifiable information you choose to give us from being lost, misused, altered, or accessed by unauthorized parties. We regretfully cannot guarantee the security of any mode of data transfer or storage, and we disclaim all liability for any loss, damage, or harm that may result from information transmitted by or to Legacy via the Internet.
Please use the information in the “Contact Us” section below to get in touch with us if you think the security of any accounts you may have with us has been compromised.
Privacy of Children
Legacy does not intentionally seek for or gather personal information from minors under the age of thirteen (13), nor are our services intended for use by anybody younger than thirteen. Children under the age of thirteen are asked by Legacy not to divulge or supply any personal information via Our Services. Please use the email or mailing address provided in the “Contact Us” section below to get in touch with us if you think we may have received information from a kid under the age of 13. We shall respond appropriately in line with the law if we find out that we have received information directly from a kid under the age of 13. Please visit the Federal Trade Commission’s website at https://www.ftc.gov/ to find out more about the Children’s Online Privacy Protect Act (COPPA).
TCPA Privacy & Consent
You specifically agree to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your loan and/or account at any phone number, physical address, or electronic address you provide, or at which you may be reached, regardless of any current or previous election to opt in or out of receiving telemarketing calls or SMS messages (including text messages) from us, our agents, representatives, affiliates, or anyone calling on our behalf. You consent to us contacting you in any manner, including text messages and SMS messages, calls with prerecorded messages or an artificial voice, and calls and messages sent by an automatic texting or phone dialing system. When you or someone else answers the phone, automated messages can start playing. If an agent or representative phones, they can also leave a message on your voice mail, answering machine, or text message. You agree that we, our agents, representatives, affiliates, or anyone calling on our behalf may send you SMS messages (including text messages), calls, and messages (including prerecorded and artificial voice and autodialed) at the number or numbers you have given us, or numbers we can reasonably link to your account (via caller ID capture, skip trace, or other methods), with information or inquiries regarding your loan, account, or application. You attest, guarantee, and affirm that the phone numbers you have given us are your actual ones. You affirm that each of the phone numbers you have given us is one at which you are allowed to receive calls. You promise to notify us right away if you cease using a specific phone number. The sort of plan you have will determine how much your mobile phone company charges you. Additionally, you consent to us contacting you by email at whatever address you have given us or may provide in the future. As allowed by current law, we may listen in on and/or record phone conversations between you and our representatives without informing you. For instance, we record and listen to calls in order to monitor quality.
Notice to Residents of California
In accordance with a California law, we will automatically treat people who provide us with California addresses or phone numbers as though you asked us to keep your information private, unless the relevant California statute specifically allows it. In order to adhere to the applicable privacy rules in California, we will also restrict the amount of information we share about you with our affiliates.
Under California’s “Shine the Light” law, consumers who live in California are allowed to request and receive information from us once a year, at no cost, regarding the types of personal information (as defined by the law) that we may have given to third parties for their direct marketing purposes during the previous calendar year. Our disclosure obligations only come into play when we provide third parties access to our customers’ personal information so they can sell our items to them directly rather than helping us run our own company. To submit such a request, please use the information in the “Contact Us” section below if you live in California.
Please refer to the California Privacy Notice in accordance with the California Consumer Privacy Act (“CCPA”).
Notification to Residents of Vermont
As required by Vermont law, we automatically handle accounts with Vermont billing addresses as though you asked us to restrict the information we share with our affiliates and not share it with unaffiliated third parties. Only your name, address, other contact details, and details about our transactions and interactions with you will be shared with nonaffiliated third parties with whom we have joint marketing agreements.
Notice to Residents of Nevada
In accordance with state legislation, we are giving you this notification. You can request that we stop calling you by getting in touch with us directly and sending a written request to privacy@Legacy.com. This will put you on our internal Do Not Call List. The following contact details must also be given to you per Nevada law: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. BCPINFO@ag.state.nv.us; phone: 702-486-3132; email: Washington St., Suite 3900, Las Vegas, NV 89101.
The governing law
In accordance with state legislation, we are giving you this notification. You can request that we stop calling you by getting in touch with us directly and sending a written request to privacy@Legacy.com. This will put you on our internal Do Not Call List. The following contact details must also be given to you per Nevada law: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. BCPINFO@ag.state.nv.us; phone: 702-486-3132; email: Washington St., Suite 3900, Las Vegas, NV 89101.
Transfers of Businesses
Your personally identifiable information will probably be among the assets transferred if all or a portion of Legacy is sold, merged, or reorganized (including transfers made as part of bankruptcy or insolvency proceedings). If there is a change in ownership or management of your personal information, we may, at our sole discretion, send you an email and/or post a notice on our website for 30 days. If the new entity’s intended processing of your information deviates significantly from that outlined in this Privacy Policy, you might be able to opt out of any such transfer.
Modifications to this Privacy Statement
This privacy statement is subject to change at any moment to reflect evolving operational, legal, or regulatory requirements. We will update the policy on this page and update the “Last Revised” date at the top of this page if there are significant changes. Any changes or additions to this online privacy statement will take effect right away after they are posted. You will be deemed to have accepted the amended Privacy Policy if you continue to use any of Our Services after it has been posted. Please stop using any of our services if you disagree with the updated online privacy statement.