1. Introduction
Lumi Mortgage ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mortgage platform and related services.
By accessing or using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our practices, please do not use our services.
2. Information We Collect
We may collect personal information that you provide directly, such as your name, email address, phone number, mailing address, employment details, and financial information related to mortgage applications and loan processing.
We also automatically collect certain technical data when you use our platform, including IP address, browser type, device information, pages visited, and usage patterns to improve our services.
3. How We Use Your Information
We use the information we collect to provide, maintain, and improve our mortgage services; process loan applications; communicate with you about your account; and comply with legal and regulatory requirements.
We may also use your information to send service-related notices, respond to inquiries, and—with your consent—share updates about products or features that may interest you.
4. Cookies
We use cookies and similar tracking technologies to remember your preferences, keep you signed in, analyze site traffic, and understand how our platform is used.
You can control cookies through your browser settings. Disabling cookies may limit certain features of our services, but core functionality will remain available where possible.
5. Data Security
We implement industry-standard administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, alteration, disclosure, or destruction.
While we strive to protect your data, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but continuously review and improve our practices.
6. Third-Party Services
Our platform may integrate with third-party services such as credit bureaus, document providers, payment processors, and analytics tools. These partners may collect information according to their own privacy policies.
We encourage you to review the privacy policies of any third-party services you interact with through Lumi Mortgage. We are not responsible for the practices of external sites or services.
7. Your Rights
Depending on your location, you may have the right to access, correct, delete, or restrict the processing of your personal information, as well as the right to data portability and to object to certain uses of your data.
To exercise these rights, please contact us using the information below. We will respond to legitimate requests within a reasonable timeframe and as required by applicable law.
8. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. 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 periodically. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.
9. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact Lumi Mortgage at support@lumimortgage.com.
We will do our best to address your inquiry promptly and help you understand how your information is handled within our platform.