MONEY MOVES,
EXPLAINED IN
PLAIN ENGLISH.

1. Introduction.
At Legacy Capital Vault, protecting your privacy and safeguarding your personal information are fundamental to our business. This Privacy Policy explains how we collect, use, store, disclose, and protect the information you provide when accessing our website, requesting financial products or services, communicating with our representatives, or interacting with our online platforms. By using this website, you consent to the collection and use of information as described in this Privacy Policy.

2. Information We Collect.
We may collect personal information that identifies you directly or indirectly, including your full name, mailing address, email address, telephone number, date of birth, Social Security Number (where legally required), government-issued identification details, employment information, income, financial history, banking information, credit-related information, insurance information, investment preferences, and any other information you voluntarily submit through our forms, applications, or customer support channels. We also collect technical information such as your IP address, browser type, operating system, referring website, device identifiers, geographic location, pages visited, time spent on the website, and other analytics data.

3. How We Use Your Information.
We use your personal information to verify your identity, process applications, provide financial products and services, evaluate eligibility for loans, insurance, investments, or other financial solutions, communicate regarding your account, improve customer support, personalize your experience, comply with applicable legal obligations, detect fraud, prevent unauthorized activities, maintain cybersecurity, improve our website, conduct internal analytics, and fulfill contractual obligations.

4. Legal Basis for Collection.
Personal information is collected only when reasonably necessary to provide requested financial services, comply with federal and state laws, fulfill contractual obligations, protect legitimate business interests, or when you have provided your consent where required by law.

5. Cookies and Tracking Technologies.
Our website uses cookies, web beacons, session cookies, analytics tools, and similar technologies to enhance website functionality, remember your preferences, improve security, analyze website performance, and better understand user behavior. Most browsers allow you to disable cookies; however, certain features of the website may not function properly if cookies are disabled.

6. Financial Information and Credit Data.
If you apply for financial products or services, we may collect financial information necessary to evaluate eligibility, including income, employment status, assets, liabilities, banking relationships, credit information, and other supporting documentation. Such information is collected only for legitimate business purposes and in accordance with applicable federal and state laws.

7. Information Sharing.
We do not sell your personal information. We may disclose information to banks, lenders, insurance carriers, licensed financial institutions, payment processors, identity verification providers, credit reporting agencies, technology vendors, fraud prevention partners, government agencies, regulators, auditors, or legal authorities when necessary to provide requested services, comply with applicable laws, enforce agreements, protect our legal rights, or prevent fraud and financial crime.

8. Compliance with the Gramm-Leach-Bliley Act (GLBA).
Where applicable, we maintain administrative, technical, and physical safeguards designed to protect nonpublic personal information in accordance with the requirements of the Gramm-Leach-Bliley Act (GLBA) Safeguards Rule. Access to customer information is limited to authorized personnel who require such access to perform legitimate business functions.

9. Data Security.
We employ industry-standard security measures including encrypted data transmission using SSL/TLS technology, secure network infrastructure, firewalls, access controls, authentication procedures, continuous monitoring, employee confidentiality obligations, and regular security assessments to help protect personal information from unauthorized access, disclosure, alteration, or destruction. While we strive to use commercially reasonable safeguards, no electronic storage or internet transmission can be guaranteed to be completely secure.

10. Data Retention.
Personal information is retained only for as long as necessary to provide requested services, satisfy contractual obligations, comply with regulatory, accounting, tax, recordkeeping, and legal requirements, resolve disputes, enforce agreements, and protect our legitimate business interests. After applicable retention periods expire, information is securely deleted, anonymized, or destroyed.

11. Children's Privacy.
Our services are intended only for individuals at least 18 years of age. We do not knowingly collect personal information from children under 13 in accordance with the Children's Online Privacy Protection Act (COPPA). If we become aware that such information has been collected inadvertently, it will be promptly deleted.

12. California Privacy Rights (CCPA/CPRA).
If you are a California resident, you may have the right to know what personal information we collect, request access to your personal information, request correction of inaccurate information, request deletion of eligible information, limit the use of certain sensitive personal information where applicable, and exercise rights regarding the sharing of personal information. We do not sell personal information as defined under the California Consumer Privacy Act (CCPA) or California Privacy Rights Act (CPRA).

13. State Privacy Rights.
Residents of certain U.S. states may have additional privacy rights under applicable state laws, including the Virginia Consumer Data Protection Act (VCDPA), Colorado Privacy Act (CPA), Connecticut Data Privacy Act (CTDPA), Utah Consumer Privacy Act (UCPA), and other applicable state privacy laws. Requests submitted under these laws will be handled in accordance with applicable legal requirements.

14. Your Privacy Choices.
Subject to applicable law, you may request access to your personal information, request correction of inaccurate information, request deletion, object to certain processing activities, withdraw consent where processing relies upon consent, or update your communication preferences. Identity verification may be required before processing your request.

15. Third-Party Websites.
Our website may contain links to third-party websites operated independently from Legacy Capital Vault. We are not responsible for the privacy practices, content, security, or policies of external websites. Users should review the privacy policies of those websites before providing personal information.

16. Changes to this Privacy Policy.
We reserve the right to modify this Privacy Policy at any time to reflect changes in applicable laws, regulations, technology, or business practices. Updated versions will be posted on this page together with the revised effective date. Continued use of the website constitutes acceptance of the revised Privacy Policy.

17. Contact Us.
If you have questions regarding this Privacy Policy or wish to exercise your privacy rights, please contact us:

Legacy Capital Vault
Privacy Compliance Department
Email: privacy@legacycapitalvault.com
Phone: +1 (765) 444-0956
Business Hours: Monday – Friday, 9:00 AM – 5:00 PM

1. Acceptance of Terms.
By accessing or using the Legacy Capital Vault website, mobile services, or any related products and services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service and all applicable federal, state, and local laws and regulations. If you do not agree with these Terms, you must discontinue use of the website immediately.

2. Eligibility.
Our services are intended for individuals who are at least eighteen (18) years of age and legally capable of entering into binding contracts under applicable law. Certain financial products and services may require additional eligibility criteria, identity verification, residency requirements, credit evaluation, or regulatory compliance before approval.

3. Financial Products and Services.
Legacy Capital Vault provides access to financial products and informational resources, including lending, insurance, investment, wealth management, retirement, and related financial services. Submission of an application does not guarantee approval. All products remain subject to underwriting, risk assessment, verification of submitted information, credit review, and the policies of Legacy Capital Vault or its participating financial institutions and service providers.

4. Informational Purposes Only.
All information published on this website is provided for general informational and educational purposes only and should not be interpreted as legal, tax, accounting, investment, or personalized financial advice. Users should consult qualified professional advisors before making financial decisions based on information obtained through this website.

5. Accuracy of Information.
You agree to provide complete, accurate, and current information when submitting applications, creating accounts, or communicating with Legacy Capital Vault. Providing false, misleading, fraudulent, or incomplete information may result in denial of services, account suspension, termination, or legal action where permitted by law.

6. Account Security.
If you create an online account, you are responsible for maintaining the confidentiality of your login credentials and for all activities occurring under your account. You agree to notify us immediately of any unauthorized access, suspected security breach, or misuse of your account.

7. Fees, Rates, and Payments.
Interest rates, fees, payment schedules, premiums, investment charges, and other financial obligations are governed solely by the specific agreements executed between you and Legacy Capital Vault or the applicable financial institution. Website information is subject to change without prior notice and does not constitute a binding offer.

8. Electronic Communications.
By providing your email address or telephone number, you consent to receive communications regarding your account, applications, transactions, service updates, security notifications, and legally required disclosures through electronic means where permitted by applicable law. Standard carrier and messaging charges may apply.

9. Intellectual Property.
All website content, including text, graphics, logos, software, icons, trademarks, service marks, databases, designs, images, and other materials, are the exclusive property of Legacy Capital Vault or its licensors and are protected by United States copyright, trademark, and intellectual property laws. Unauthorized copying, reproduction, modification, distribution, or commercial use is strictly prohibited without prior written consent.

10. Prohibited Activities.
Users may not use this website to engage in unlawful conduct, submit false information, interfere with website security, attempt unauthorized access, distribute malicious software, violate intellectual property rights, reverse-engineer website functionality, or use automated tools to scrape, collect, or exploit website content without authorization.

11. Third-Party Services.
Certain services may be offered through third-party financial institutions, lenders, insurers, payment processors, investment providers, identity verification vendors, or technology partners. Legacy Capital Vault is not responsible for the products, policies, availability, or practices of independent third parties. Your interactions with those providers remain subject to their own agreements and policies.

12. Disclaimer of Warranties.
This website and all information, software, and services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, or uninterrupted operation, except where prohibited by applicable law.

13. Limitation of Liability.
To the fullest extent permitted under applicable law, Legacy Capital Vault, its officers, directors, employees, affiliates, licensors, agents, and partners shall not be liable for any indirect, incidental, special, punitive, exemplary, or consequential damages, including loss of profits, business interruption, data loss, or financial losses arising from or related to your use of this website or reliance upon its content.

14. Indemnification.
You agree to defend, indemnify, and hold harmless Legacy Capital Vault and its affiliates, employees, officers, directors, licensors, and service providers from any claims, liabilities, damages, losses, costs, or legal expenses arising from your violation of these Terms, misuse of the website, infringement of third- party rights, or violation of applicable laws.

15. Regulatory Compliance.
Legacy Capital Vault conducts its business in accordance with applicable United States federal and state laws governing financial services. Certain products may also be subject to regulations issued by agencies including the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and other applicable regulatory authorities. Availability of products may vary by jurisdiction.

16. Modification or Termination.
Legacy Capital Vault reserves the right to modify, suspend, discontinue, or restrict access to any portion of the website or services at any time without prior notice. Continued use of the website following updates constitutes acceptance of the revised Terms.

17. Governing Law.
These Terms of Service shall be governed by and interpreted in accordance with the laws of the State of USA, without regard to its conflict of law principles. Any legal action not subject to arbitration shall be brought in the appropriate state or federal courts located within the State of USA.

18. Dispute Resolution.
Before initiating legal proceedings, the parties agree to make reasonable efforts to resolve disputes through good-faith negotiations. If a dispute cannot be resolved, it shall be submitted to binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association (AAA), unless applicable law provides otherwise.

19. Contact Information.
Questions regarding these Terms of Service may be directed to:

Legacy Capital Vault
Legal & Compliance Department
Email: legal@legacycapitalvault.com
Phone: +1 (765) 444-0956
Business Hours: Monday – Friday, 9:00 AM – 5:00 PM