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 info@luminlending.com 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 info@luminlending.com or 888-560-9092.