Privacy Policy

We collect information you provide directly when you interact with Legend Realty Mortgage Company, including:

• Full name, email address, phone number, and mailing address
• Financial information including income, assets, employment history, and credit profile details necessary to evaluate mortgage applications
• Property information such as address, purchase price, and estimated value
• Inquiry and communication records when you contact us via phone, email, or web forms
• Scheduling information when you book consultations through our booking system

We also automatically collect certain information when you visit our website, including your IP address, browser type, pages visited, and time spent on pages. This helps us improve our website and services.

We use the personal information we collect for the following purposes:

• Processing, evaluating, and originating mortgage loan applications
• Communicating with you about your loan inquiry, application status, or mortgage options
• Scheduling and conducting consultations with our lending specialists
• Providing personalized mortgage rate quotes and financing recommendations
• Sending service updates, reminders, and follow-up communications
• Complying with applicable federal and California state laws and regulations
• Detecting and preventing fraud or unauthorized activity
• Improving our website, services, and client experience

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• With licensed lenders, banks, and financial institutions as part of processing your mortgage application
• With title companies, appraisers, and escrow officers involved in your transaction
• With service providers and technology partners (such as our scheduling and CRM tools) who assist us in running our business under strict confidentiality agreements
• With government agencies, regulators, or law enforcement as required by applicable law or legal process
• With your explicit written consent for any other purpose

We implement industry-standard technical and organizational security measures to protect your personal and financial information from unauthorized access, disclosure, alteration, or destruction. These measures include encrypted data transmission (SSL/TLS), access controls limiting data to authorized personnel only, and regular security assessments. While we take reasonable steps to safeguard your information, no method of internet transmission is 100% secure, and we cannot guarantee absolute security.

As a California-based business serving California residents, we comply with the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). California residents have the following rights:

• Right to Know — request disclosure of the categories and specific pieces of personal information we have collected about you
• Right to Delete — request deletion of personal information we hold about you, subject to certain exceptions
• Right to Correct — request correction of inaccurate personal information
• Right to Opt-Out — opt out of the sale or sharing of your personal information (we do not sell personal information)
• Right to Non-Discrimination — exercise your privacy rights without receiving discriminatory treatment
• Right to Limit Use — limit our use of sensitive personal information to specific permitted purposes

To exercise any of these rights, please contact us using the information in the Contact section below. We will respond to verified requests within 45 days.

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and support our marketing efforts. Types of cookies we use include:

• Essential cookies — necessary for the website to function properly
• Analytics cookies — help us understand how visitors interact with our website (e.g., page views, session duration)
• Marketing cookies — used to deliver relevant content and track the effectiveness of our advertising

You can control or disable cookies through your browser settings. Disabling certain cookies may impact the functionality of our site.

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Mortgage-related records are typically retained for a minimum of 7 years in accordance with federal regulations. If you request deletion of your information, we will honor that request to the extent permitted by law and our regulatory obligations.

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy regularly. Continued use of our website or services after any changes constitutes your acceptance of the updated policy.