Privacy Policy

Effective Date: September 1, 2026

Welcome to Luma Lending’s Privacy Policy. We understand your information is personal, and we’re committed to protecting your privacy while offering a helpful, transparent experience.

1. What Information We Collect

When you connect with us—whether through contact forms, applications, or consultations—we may collect:

  • Personal information such as name, address, phone number, email, Social Security number, and date of birth.

  • Financial information such as income, assets, employment details, and credit history.

  • Optional communication preferences, like how you'd like us to contact you.

We only collect information necessary to process your application, provide services, and comply with legal requirements, including evaluations required under the SAFE Act.

2. How We Use & Share Your Information

We use your information to:

  • Assist with mortgage applications and pre-approval.

  • Communicate with you about next steps in the mortgage process.

  • Maintain and improve our services.

We do not sell or rent your information to third parties. We only share information when:

  • It's necessary to process your loan (e.g., with lenders, appraisers, title companies).

  • Required by law (e.g., subpoena, regulatory compliance).

  • You explicitly consent to it.

Under the Gramm-Leach-Bliley Act (GLBA), we provide you a privacy notice detailing how your data is used and your rights, including an option to opt out of certain information sharing.

3. Data Security & Safeguards

Protecting your information is a priority. We use multiple layers of security:

  • Encryption for data transmission and storage.

  • Access controls, limiting data access to authorized team members only.

  • Secure storage systems, and regular data protection training for our staff.

These safeguards align with industry standards, including the GLBA’s Safeguards Rule. (Wikipedia)

4. Privacy & Confidentiality under NMLS

As a licensed mortgage broker, we participate in the Nationwide Mortgage Licensing System (NMLS). Federal law and the SAFE Act require that:

  • Personal data submitted to NMLS remains confidential and is only accessed by authorized federal or state regulators. (eCFR, Legal Information Institute)

  • We follow strict protocols to protect any shared information and uphold regulatory confidentiality standards.

5. Your Rights

You have the right to:

  • Receive our privacy notice at the start of your relationship and annually thereafter. (Wikipedia)

  • Request access to and correction of your data.

  • Opt out of sharing your information with certain third parties, as permitted by law.

  • Request deletion of your data, subject to legal and regulatory constraints.

6. Cookies & Online Tracking

We use cookies and similar tools to help you navigate our site, understand how you use it, and enhance your experience. You can choose to disable cookies in your browser—but note that some features of our site may not work properly without them.

7. Updating This Policy

We may update this policy occasionally to reflect new practices or legal requirements. We’ll post changes here and update the effective date. If the changes are substantial, we’ll notify you directly or via prominent notice on our website.

8. Contact Us

For privacy questions or to exercise your rights, please email us at [laiken@lumalends.com] or write to:

Luma Lending
2824 Holt St.
Ashland, KY 41101

9. Regulatory & Compliance Disclosures

  • Equal Housing Opportunity:

A black and white logo with a house outline and the words 'EQUAL HOUSING OPPORTUNITY' underneath.