Lumanu Consumer Privacy Notice

Rev. November 2022

Who we are

Who is providing this notice?


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.



Companies related by common ownership or control. They can be financial and nonfinancial companies.


     Lumanu has no affiliates.



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.