Luminate Home Loans Privacy Policy - Privacy Notice

Introduction

Luminate Home Loans, Inc. (“Luminate”, “us,” or “we”), has created this privacy statement privacy notice in order to demonstrate our firm commitment to privacy.

Luminate Home Loans, Inc.’s Privacy Policy

This Privacy Policy discloses the privacy practices of Luminate. We are committed to protecting your privacy and recognize and respect the privacy expectations of today’s consumers and the requirements of applicable federal and state privacy laws. We believe that making you aware of how we collect and use your non-public personal information (“Personal Information”), and to whom it is disclosed, will form the basis for a relationship of trust between the public and us. This Privacy Policy provides that explanation. 

Luminate’s website is located at www.goluminate.com (the “Website”) and is not intended for individuals less than the age of eighteen. Luminate does not knowingly collect data relating to individuals less than the age of eighteen. 

Your access to and use of the Website is conditional upon your acceptance of and compliance with this Privacy Policy. This Privacy Policy applies to everyone, including, but not limited to visitors, users, and others, who wish to access or use the Website. By accessing or using the Website, you agree to be bound by this Privacy Policy. If you disagree with any part of the Privacy Policy, then you do not have our permission to access or use the Website.

What personal information is being collected?

We may have collected the following categories of personal information from consumers within the last 12 months:

How we collect your personal information?

We collect most of this personal information from you when the Website specifically asks for your personal information (for example to respond to requests for information or to register users for particular services). The personal information is collected directly from staff of Luminate who have responsibility for responding to such requests or administrating such registrations. However, we may also collect information:

• From publicly accessible sources (e.g., property records or court records);
• From your transactions with us;
• From our service providers;
• Directly from a third party;
• Consumer reporting agencies (CRAs);
• From activity on our Website. 

How is personal information used?

Personal information collected on this web site the Website will only be used for the purposes stated at the time of collection. We may collect and use Personal Information for business and commercial purposes, such as:

• To provide and manage products and services;
• Operation of our websites;
• Marketing;
• IT operations, including communication systems and security;
• Legal compliance and proceedings;
• Risk Management;
• Fraud Prevention;
• Financial Management;

Personal information will be collected in a lawful manner and remains part of our records until we determine the information is no longer needed, or we are required by law to delete such information.

Cookies

Cookies are small pieces of data sent from a website and stored on your computer by your web browser. The file is added once you agree to store cookies on your computer or device, and the cookies help analyze web traffic or let you know when you visit a particular site. Cookies allow sites to respond to you as an individual. The Website can tailor its operations to your needs, likes, and dislikes by gathering and remembering information about your preferences.

This Website collects cookies and may use cookies for reasons including, but not limited to:

• Analyze our web traffic using an analytics package;
• Identify if you are signed-in to the Website;
• Test content on the Website;
• Store information about your preferences;
• Recognize when you return to the Website.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This setting may prevent you from taking full advantage of the Website.

Do Not Track

Luminate does not track its customers over time or across third-party websites to provide targeted advertising and therefore our Website does not respond to Do Not Track (“DNT”) signals. However, in some instances, our third-party service providers may honor DNT signals.

How we share your personal information

Luminate may share personally identifiable information it collects with its employees who need to know that information to service your account. Except as provided below and in our Privacy Notice, Luminate does not share or disclose any personally identifiable information to any company or marketing group external to Luminate. Luminate may share your personal information with third parties to the extent it is reasonably necessary to manage or service your account, verify employment, determine location, process payment, fulfill a transaction, provide customer service, or as otherwise authorized by law. 

Further, Luminate may disclose personally identifiable information: (i) to another entity with which Luminate enters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (ii) to a third party pursuant to a subpoena, court order, or other form of legal process or in response to a request by or on behalf of any local, state, federal, or other government agency, department, or body, whether or not pursuant to a subpoena, court order, or other form of legal process, or in connection with litigation brought against, or on behalf of, Luminate, where appropriate, (iii) to a third party if determined by Luminate in its sole judgment that such disclosure is appropriate to protect the life, health, or property of Luminate or any other person or entity, all in compliance with applicable law, (iv) to third parties as authorized or designated by you, or (v) to conduct any other legitimate business activity not otherwise prohibited by law. The foregoing is not intended to obviate or displace any legal obligations or duties applicable to Luminate.

Except as necessary for Luminate to provide the services, information, or products requested by a website user, or except for the disclosures identified in the preceding paragraphs, the user may opt out of having his or her personally identifiable information, which has been voluntarily provided to Luminate through or from its Website, prospectively retained by Luminate, used by Luminate for secondary purposes, or disclosed by Luminate to third parties.

Sale of personal information

We do not sell and will not sell your personal information.

Sharing your information with Consumer Reporting Agencies 

Consumer Reporting Agencies (“CRAs”) collect and maintain information on consumer and business credit profiles on behalf of organizations in the United States. We may share information about you with CRAs and may carry out periodic searches with them to verify your identity or manage your account.

Details of your account(s) with us may be sent to CRAs and recorded by them. This information may be supplied by CRAs and may be used and searched by us and other organizations, such as debt collection agencies, in order to:

• Consider applications for credit and credit related services;
• Locate debtors and recover debts; and
• Manage your accounts.

Luminate may furnish account information to Experian, Equifax, and Trans Union. You have a right to obtain an annual copy of your credit file from CRAs by visiting www.annualcreditreport.com.

Your choices

Luminate offers you certain choices in connection with the personal data it collects from you, including:

Your Luminate Account: You may review, update and correct your contact information, including your telephone number and email address, after logging in to the Website, or by calling our office.

Your Choice to Decline Cookies: You may adjust your browser settings to decline cookies if you do not want to accept Luminate cookies. However, declining cookies may affect proper operation of the Website. 

If you have any questions regarding any of these choices, please contact Luminate.

Security of personal information collected on this site

Luminate has implemented physical, electronic, and procedural security safeguards to protect against the unauthorized release of or access to personal information. We employ internal and external system safeguards designed to protect confidentiality and security of personal information.

The confidentiality of any communication or material transmitted to or from Luminate via the Website or via e-mail cannot be, and is not, guaranteed. You acknowledge that the technical processing and transmission of the Website’s content may be transferred unencrypted and involve: (a) transmissions over various networks; and (b) changes to confirm and adapt to technical requirements of connecting networks or devices. 

We will collect the IP Address of all visitors to the Luminate website for internal security and other proprietary purposes. We do not release this data outside of our corporate team nor utilize the data other than for internal purposes. 

If any questions arise about security, please contact Luminate using the information provided above.

California residents - Your Legal Rights

In accordance with California law, we will not share information we collect about you with companies outside of Luminate Home Loans, unless the law allows. For example, we may share information with your consent, to service your account, or provide rewards or benefits you are entitled to. We will limit our sharing to the extent required by California law.

• The right to access personal information – You have the right to request access to your personal information that we collected about you, subject to certain exceptions.
• The right to request deletion of personal information – You have the right to request that we delete your personal information, however, state and federal law may prohibit us from deleting personal information, which Luminate will disclose to you.
• The right to non-discrimination - We will not discriminate against you if you exercise any of these rights.
• The right to an authorized agent – You can designate an authorized agent to make any of these requests by providing your express written authorization. We must be able to verify your identity and the authorization must include the authorized agent’s name, address, telephone number, and email address (for providing the personal information collected or to respond to a request for deletion). 

Nevada Residents:

We are providing this notice pursuant to Nevada law (NRS 228.600(3)) allows marketing calls to our existing customers listed on the National Do Not Call Registry. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call list by calling 833.594.0379 or writing to Luminate Home Loans Inc. Attn: Privacy Officer, 2523 S. Wayzata Blvd, Suite 200, Minneapolis, MN 55405

Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Ste 3900, Las Vegas, NC, 89101; Phone Number - 888.434-9989; email: aginquiries@ag.nv.gov Website: https://ag.nv.gov/Compliants/File_Complaint/

Vermont Residents:

We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.goluminate.com or call 833.594.0379. 

If you wish to exercise any of these rights, please contact Luminate by doing one of the following: 

1. Submit online to: contactus@goluminate.com;
2. By mailing a request to: Luminate Home Loans, Inc., 2523 Wayzata Blvd. Suite 200, Minneapolis, Minnesota 55405;
3. Toll-free Telephone Number: 833-594-0379 

If you choose to contact directly by [email/phone/in writing], you will need to provide us with:

• Enough information to identify you [e.g., your full name, address and customer or matter reference number];
• Proof of your identity and address [e.g., a copy of your driver’s license or passport and a recent utility or credit card bill]; and
• Describe your request with sufficient detail that allows us to properly understand, evaluate and respond to it. 

We are not obligated to make a data access or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information, or is someone authorized to act on such person’s behalf.

Children’s privacy

This Website is intended for use by a general audience and does not offer services to children. Should a child whom we know to be under 13 send personal information to us, we will use that information only to respond directly to that child to inform him or her that they cannot use this Website.

Outside Links

Our Website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our Website, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide while visiting such sites and such sites are not governed by this Privacy Policy. You should exercise caution and look at the privacy policy applicable to the website in question.

CONTACT US

Luminate is the data controller. Questions, comments, and complaints about Luminate’s data practices or this Privacy Policy can be submitted to Luminate Home Loans, Inc. If you have any questions, comments or concerns regarding our Privacy Policy can be submitted to:

Luminate Home Loans, Inc.

Attn: Privacy Officer

2523 S. Wayzata Blvd. Suite 200

Minneapolis, MN 55405

contactus@goluminate.com

Toll-free Telephone Number: 833-594-0379

Privacy Policy

Luminate may change this Privacy Policy at any time. Notice of any new or revised Privacy Policy, as well as the location of the new or revised statement, will be posted on the Website after the change. It is the obligation of users visiting the Website before the change to learn of changes to the Privacy Policy since their last visit.

Last Updated: [07/2023]

LOCATION

2523 Wayzata Blvd. Suite 200

Minneapolis, MN 55405

TOLL FREE NUMBER

833-594-0379