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.
