Terms of Service for Lumin Lending Inc.
Effective Date: May 25, 2025
Welcome to the Lumin Lending Inc. website (the "Site"). These Terms of Use ("Terms")
govern your access to and use of the Site. By accessing or using the Site, you agree to
be bound by these Terms. If you do not agree to these Terms, please do not use the Site.
Lumin Lending Inc. reserves the right to update or modify these Terms at any time
without prior notice. Your continued use of the Site following any such changes
constitutes your acceptance of the new Terms.
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy, which is incorporated
into these Terms by reference, to understand how we collect, use, and protect your
personal information.
Use of the Site
These communications pertain to your account or loan
transaction and are sent to the phone number you provided in connection with this
transaction. They may include, but are not limited to:
Application processing status
Account and loan information
Requests for additional information or documents
Payment due dates and delinquent account notices
Closing updates and mortgage program information
Marketing Messages
These are based on inquiries you made online for mortgage services and may include details about our products, services, promotions, or events tailored to your interests.
Message Frequency
The number of messages you receive will vary depending on your account activity and the nature of your inquiries. We aim to ensure all communications are relevant and purposeful.
Costs
Standard message and data rates may apply, as determined by your mobile carrier. Please review your carrier’s terms for information on applicable charges.
Opt-Out Instructions
If you wish to stop receiving SMS communications from Lumin Lending Inc., simply reply STOP to any message. You will receive a confirmation message verifying that you have been unsubscribed from future SMS communications.
Assistance
For support or additional information, reply HELP to any message, or reach out to us directly at [email protected] or 888-560-9092
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of CA, without regard to its conflict of law provisions.
Dispute Resolution
Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in Irvine, CA.
Changes To Terms
Lumin Lending Inc. may revise these Terms at any time by updating this posting. You should visit this page periodically to review current Terms because they are binding on you.
Contact Information
If you have any question about these Terms, please contact us at [email protected] or 888-560-9092
Gallery
Legal
Cookie Policy
State Licensing
Fair Lending
© Copyright | Lumin Lending Inc. | NMLS ID # 2716106 | 2025 | All rights reserved.
Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov
A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov