PRIVACY POLICY

Prime Legacy Mortgage Group, LLC

2330 Scenic Hwy S. Suite 222, Snellville, GA 30078 Email: [email protected]

Last Updated: March 2026

1.  INTRODUCTION

Welcome to Prime Legacy Mortgage Group, LLC ("Company", "we", "us", or "our"). We operate as a residential mortgage broker dedicated to assisting clients with their home financing needs. We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or communicate with us.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

2.  INFORMATION WE COLLECT

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device. The categories of information we collect include:

      Personal Identification Information: Full name, alias, postal address, unique personal identifier, date of birth, Social Security Number (SSN), driver's license number, or other similar identifiers.

      Financial Information: Bank account numbers, credit card numbers, income details, asset documentation, credit history, credit scores, employment history, and tax returns.

      Property Information: Subject property address, estimated purchase price, loan amount sought, property type, and occupancy status.

      Contact Information: Telephone numbers (home, mobile, work), email addresses, and mailing addresses.

      Technical & Usage Data: Internet Protocol (IP) address, browser type and version, time zone setting, browser plug-in types, operating system, platform, and information about how you use our website.

      SMS/Text Messaging Data: Mobile phone numbers, consent logs (opt-in dates and times), message history, and opt-out preferences.

3.  HOW WE COLLECT INFORMATION

We obtain the categories of personal information listed above from the following sources:

      Directly from You: For example, from forms you complete on our website, loan applications (both online and paper), documents you provide during the loan process, and communications via phone, email, or text.

      Indirectly from You: For example, from observing your actions on our website via cookies and tracking technologies.

      Third-Party Sources: We may receive information from credit reporting agencies (credit bureaus), lenders, employers, real estate agents, and other service providers necessary to process your mortgage application.

      SMS Opt-In: Through explicit consent forms where you agree to receive text messages from us.

      no mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

4.  HOW WE USE YOUR INFORMATION

We may use or disclose the personal information we collect for one or more of the following business purposes:

      Loan Processing: To fulfill or meet the reason for which the information is provided. For example, to process your mortgage application, verify your identity, assess your creditworthiness, and facilitate the loan closing process.

      Communication: To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.

      SMS/Text Messaging Program: We use your information to send you messages regarding:

      Alerts: Interest rate changes, application status alerts.

      Promotions: Special mortgage rate offers, limited-time deals (only with your express consent).

      Notifications: Document reminders, appointment reminders, closing notifications.

      Loan Updates: Processing status, underwriting updates, approval notifications, and closing confirmations.

      Marketing: To deliver marketing and promotional communications that we believe may be of interest to you (subject to your right to opt-out).

      Compliance: To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

      Improvement: To improve our website, products, and services.

5.  SMS/TEXT MESSAGING PRIVACY

We value your privacy and the trust you place in us when sharing your mobile number. This section specifically addresses our SMS/Text Messaging practices.

5.1  Consent and Collection

We collect your mobile phone number and consent to send text messages only when you voluntarily provide them to us, such as through an online form, a loan application, or by initiating a text conversation with us.

5.2  No Sharing for Marketing

5.3  Program Details

By opting into our SMS program, you agree to receive recurring automated promotional and personalized marketing text messages (e.g., cart reminders) from Prime Legacy Mortgage Group, LLC at the cell number used when signing up. Consent is not a condition of any purchase.

      Message Frequency: Message frequency varies based on your loan status and interaction.

      Cost: Message and data rates may apply. Check your carrier for details.

      Liability: Carriers are not liable for delayed or undelivered messages.

5.4  User Controls (Opt-Out & Help)

      To Opt-Out: You can cancel the SMS service at any time. Just text STOP to the short code or number provided. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

      For Help: If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected].

5.5  Eligibility

You must be 18 years of age or older to participate in our SMS/Text Messaging program.

6.  HOW WE SHARE YOUR INFORMATION

We may share your personal information by disclosing it to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We share your personal information with the following categories of third parties:

      Lending Partners & Investors: Wholesale lenders, banks, and investors who ultimately fund or purchase the mortgage loans.

      Service Providers: Companies that provide services to us, such as credit reporting agencies, appraisal management companies, title companies, technology providers, and compliance firms.

      Government Entities: As required by law, we may share data with state and federal regulators.

      Legal Requirements: We may disclose information if required to do so by law or in the good faith belief that such action is necessary to comply with a legal obligation, protect and defend the rights or property of the Company, or protect the personal safety of users of the Service or the public.

Note: As stated in Section 5, we do NOT sell personal information to third parties, and we do NOT share SMS opt-in data or consent with third parties for their marketing purposes.

7.  DATA SECURITY

We use administrative, technical, and physical security measures to help protect your personal information. These measures include computer safeguards and secured files and buildings. We utilize standard security protocols such as SSL (Secure Socket Layer) encryption for data transmission.

While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse. Any transmission of personal information is at your own risk.

8.  YOUR RIGHTS AND CHOICES

Depending on your jurisdiction, you may have specific rights regarding your personal information:

      Access and Correction: You have the right to request access to the personal information we hold about you and to request corrections to any inaccuracies.

      Marketing Opt-Out: You may opt-out of receiving promotional emails from us by following the unsubscribe instructions in those emails.

      SMS Opt-Out: You may opt-out of text messages at any time by texting STOP.

      California Residents: If you are a California resident, you may have specific rights under the California Consumer Privacy Act (CCPA). Please contact us for more information.

      Georgia Residents: We operate in accordance with Georgia state laws regarding data protection and consumer privacy.

9.  COOKIES AND TRACKING TECHNOLOGIES

We may use cookies, web beacons, tracking pixels, and other tracking technologies on the website to help customize the site and improve your experience. When you access the site, your personal information is not collected through the use of tracking technology. Most browsers are set to accept cookies by default. You can remove or reject cookies, but be aware that such action could affect the availability and functionality of the site.

We may use third-party analytics services (such as Google Analytics) to analyze website traffic and usage. These third parties use cookies to collect information about your online activities over time and across different websites.

10.  CHILDREN'S PRIVACY

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18 without verification of parental consent, we will take steps to remove that information from our servers.

11.  THIRD-PARTY LINKS

Our website may contain links to third-party websites and applications of interest that are not affiliated with us. Once you have used these links to leave our site, any information you provide to these third parties is not covered by this Privacy Policy, and we cannot guarantee the safety and privacy of your information. We encourage you to review the privacy policies of any third-party sites you visit.

12.  RETENTION OF DATA

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. Mortgage records are typically retained for a period required by state and federal regulations.

13.  CHANGES TO THIS PRIVACY POLICY

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

14.  CONTACT US

If you have questions or comments about this Privacy Policy, please contact us at:

[email protected]

© 2026 Prime Legacy Mortgage Group, LLC. All rights reserved.