Lumanu Consumer Privacy Notice

Rev. November 2022

FACTS

^{WHAT DOES LUMANU DO WITH YOUR INFORMATION?}

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

● Social Security number and income

● Account balances and payment history

● Credit history and credit scores

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Lumanu chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Lumanu share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We Don’t Share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We Don’t Share
For our affiliates to market to you	No	We Don’t Share
For nonaffiliates to market to you — information about your transactions and experiences	Yes	Yes

To limit our sharing

Visit us online: https://www.lumanu.com/privacy-policy

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we will continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Go to: https://www.lumanu.com

Who we are
Who is providing this notice?	Lumanu
What we do
How does Lumanu protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Lumanu collect my personal information?	We collect your personal information, for example, when you ● Open an account or give us your income information ● Provide account information or pay your bills ● Use your credit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only: ● Sharing for affiliates’ everyday business purposes—information about your creditworthiness ● Affiliates from using your information to market to you ● Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. ● Lumanu has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. ● Nonaffiliates we share with can include our financial banking partners or retail partners
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ● Our joint marketing partners include our banking partners.
Other important information
For California Customers. If your account has a California mailing address, we will not share personal information we collect about you except to the extent permitted under California law. For Vermont Customers. We will not disclose your personal information or financial information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.