Privacy Policy

1st Legacy Capital LLC
NMLS #1547824
Effective Date: November 4, 2026

1. Our Commitment to Your Privacy

At 1st Legacy Capital LLC ("1st Legacy Capital," "we," "us," or "our"), protecting your personal and financial information is an important part of the trust you place in us.

As a mortgage brokerage serving consumers in Mississippi and Alabama, we recognize our responsibility to safeguard sensitive information and to handle it in accordance with applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA).

This Privacy Policy explains how we collect, use, share, retain, and protect information obtained through our website, www.myfirstlegacy.com, and our mortgage-related services.

Our separate financial privacy notice provides additional information about the sharing of nonpublic personal financial information and applicable consumer choices.

2. Information We Collect

Depending on how you interact with us, we may collect the following categories of information:

Personal Identification Information

Name, mailing address, email address, and telephone number
Date of birth and Social Security number, when necessary for mortgage services
Government-issued identification and other identity verification information

Financial and Mortgage Information

Employment and income information
Assets, liabilities, and financial account information
Credit history and credit scores
Mortgage applications and supporting documentation
Property information, loan terms, and transaction history

Website and Technical Information

When you visit our website, certain information may be collected automatically through cookies, website hosting tools, analytics, or similar technologies, including:

Internet Protocol (IP) address
Browser and device information
Pages visited and website interactions
General geographic location derived from technical information
Referral sources and website usage information

Information From Third Parties

When authorized or otherwise permitted by law, we may obtain information from credit reporting agencies, employers, financial institutions, mortgage lenders, verification providers, and other parties involved in the mortgage process.

3. How We Use Your Information

We use personal information as reasonably necessary to:

Respond to mortgage inquiries and requests for information
Evaluate mortgage financing options and assist with loan applications
Verify identity, employment, income, assets, credit, and other eligibility information
Communicate about mortgage applications and related services
Coordinate mortgage processing, underwriting, and closing activities
Prevent fraud and unauthorized activity
Maintain business and regulatory records
Comply with legal, licensing, and regulatory obligations
Maintain, secure, and improve our website and services

Where permitted by law and consistent with applicable consent requirements, we may also communicate information about mortgage products or services that may interest you.

4. How We Share Your Information

In connection with providing mortgage services, we may disclose personal information to authorized third parties, subject to applicable law.

These parties may include:

Mortgage Lenders and Financial Institutions

Lenders, investors, and financial institutions involved in evaluating, approving, funding, or otherwise facilitating your mortgage transaction.

Mortgage and Settlement Service Providers

Credit reporting agencies, appraisal management companies, title companies, settlement agents, verification providers, and other parties reasonably necessary to process or complete a mortgage transaction.

Technology and Business Service Providers

Companies providing secure loan origination systems, document management, website hosting, information technology, communications, and related operational services.

Legal and Regulatory Authorities

Government agencies, regulators, courts, law enforcement, and other authorized parties when disclosure is required or permitted by law.

We do not disclose nonpublic personal financial information for unrelated purposes except as permitted by law and described in our applicable financial privacy notices.

Any sharing of personal financial information for third-party marketing purposes is subject to applicable consumer notice and choice requirements.

5. Protection of Personal and Financial Information

We recognize the sensitive nature of mortgage application and financial information.

Our information security practices are intended to protect personal information against unauthorized access, disclosure, alteration, misuse, or destruction.

These practices may include administrative, technical, and physical safeguards appropriate to the sensitivity of the information and applicable legal requirements.

Access to nonpublic personal information is limited to authorized personnel and service providers with legitimate business purposes, consistent with our information security procedures.

Although we take information security seriously, no electronic transmission or storage system can be guaranteed completely secure.

For your protection, please do not submit Social Security numbers, bank account numbers, or other highly sensitive financial documents through ordinary website contact forms or unsecured email.

6. Mortgage Applications and Third-Party Platforms

Our website may direct you to external mortgage application platforms, including PreApp, or other secure services used in connection with mortgage origination.

When you access an external platform, your information may also be governed by that provider's privacy notices, security practices, and applicable agreements.

We encourage you to review the privacy information presented by those providers before submitting sensitive personal or financial information.

7. Cookies and Website Analytics

Our website may use cookies and similar technologies to support website functionality, understand visitor activity, improve performance, and enhance the user experience.

You may be able to control or disable certain cookies through your browser settings or website privacy controls, where available.

Disabling some cookies may affect website functionality.

If additional analytics, advertising, or tracking services are used, their information practices and any required consumer choices should be disclosed through the website's applicable privacy and consent controls.

8. Email, Telephone, and Electronic Communications

When you submit an inquiry or application, we may contact you to respond to your request, discuss mortgage financing, or provide information relating to your transaction.

Marketing emails, text messages, and automated communications, if used, will be subject to applicable consent and opt-out requirements.

You may request to stop receiving marketing emails by using the unsubscribe method provided in the communication or by contacting us.

Where applicable, text message recipients may reply STOP to discontinue marketing messages.

Opting out of marketing communications does not necessarily prevent communications necessary to service an existing request, fulfill a transaction, or satisfy legal requirements.

9. Your Privacy Rights and Choices

Depending on applicable law and the nature of our relationship, you may have rights to:

Request information about our privacy practices
Correct or update certain personal information
Limit certain types of information sharing, where legally available
Opt out of eligible marketing communications
Request information about how your personal information is handled

Certain information may need to be retained or disclosed to comply with mortgage lending, recordkeeping, fraud prevention, or other legal obligations.

Requests concerning financial information sharing will be handled in accordance with the applicable financial privacy notice and governing law.

10. Information Retention

We retain personal and financial information for as long as reasonably necessary to provide requested services, maintain business records, resolve disputes, and satisfy applicable legal and regulatory requirements.

Mortgage-related records may be subject to mandatory retention periods.

When information is no longer required, we follow applicable procedures for its secure disposal or destruction.

11. 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 solicit personal information from children under 13 through our website.

If we discover that such information has been collected inappropriately, we will take steps to address it in accordance with applicable law.

12. External Websites

Our website may contain links to third-party websites or services.

We are not responsible for the privacy practices, content, or security policies of independently operated websites.

We encourage visitors to review the privacy notices of external websites before providing personal information.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our business practices, technology, or applicable legal requirements.

The effective date displayed at the beginning of this policy identifies the current version.

When legally required, we will provide additional notice or obtain consent before implementing changes that materially affect how personal information is collected, used, or shared.

14. Contact Information

If you have questions about this Privacy Policy, the handling of your personal information, or applicable privacy choices, please contact:

1st Legacy Capital LLC
NMLS #1547824
270 Ridgeland Drive
Starkville, Mississippi 39759

Office: 662-268-8877
Email: andy@myfirstlegacy.com
Website: www.myfirstlegacy.com