Introduction

This privacy notice discloses the privacy practices for lumindigital.com and all websites located at a subdomain of this address. This privacy notice applies solely to information collected by this website. It will notify you of the following:

  1. What personally identifiable information is collected from you through the website, how it is used and with whom it may be shared.
  2. What choices are available to you regarding the use of your data.
  3. The security procedures in place to protect the misuse of your information.
  4. How you can correct any inaccuracies in the information.

This privacy policy does not apply to any other websites operated by Lumin Digital at other domains. Additionally, our site may contain links to other websites, and we are not responsible for the content, security, or privacy policies of external websites.

Information Collection, Use, and Sharing

By using this site or submitting information through it, you are consenting to Lumin Digital to collect, process, use, store, and distribute information you provide and data that this site gathers about how and from where you access this site.

Categories of information we collect include forms you fill out and submit, logs about your connection such as your IP address, the browser you use to access the site, and the specific resources you request or with which you interact. This site provides and collects cookies and logs IP addresses, which allows us to uniquely identify your browser and which may be an online identifier we can use to assume or estimate your demographic information, location, and/or your identity.

Lumin Digital does not knowingly collect any personally identifiable information from children under the age of 13. If you think that your child provided this kind of information on our website, we encourage you to contact us immediately, and we will promptly attempt to remove such information from our records.

Lumin Digital does not solicit or willingly collect any personal data from residents of the European Union and does not market or provide any goods or services to any entity therein nor monitor their behavior.

By providing personally identifiable information on our “Request a Demo” or other contact forms, we will collect, store, and use this information to respond to your inquiries and to market our relevant products and services to you and your organization. Any personal data entered by members of the European Union will be deleted upon discovery.

Lumin reserves the right to share information we collect through this site with third parties, such as web analytics technologies, to help us better understand the types of visitors that access this site to provide a better, personalized experience. If you provide your personally identifiable information, we may use that information to contact you, even if your browser sends a “Do Not Track” advisement header. We may also share information we collect with our parent company, PSCU, Inc; however, we do not sell, rent, or otherwise share it with other external entities.

Your Access to and Control Over Information

Lumin Digital is the owner of all information collected on this site. While we will not provide you access to information we collect and cannot promise we can fully delete it upon request, you may opt out of future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on this website:

  • Change/correct any data we have about you.
  • Express any concern you have about Lumin Digital’s use of your data.
  • Request we mark your record with a “Do Not Contact” flag to opt-out of future messages.
  • Californians may request information about specific information we have collected about them through this site as well as request we delete information they have submitted to our site, pursuant to the conditions of the California Consumer Privacy Act of 2018.

Security

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information, that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for “https” at the beginning of the address of this website.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

Contact Information

We last updated this website privacy policy on February 19, 2021. We reserve the right to update this privacy policy at any time, for any reason. When we make updates to this policy, we will post those updates on this site. Your continued use of this site constitutes acceptance of the latest posted privacy policy, including its latest changes. If you wish to rescind your acceptance of this privacy policy, you may do so at any time by ceasing all use of this site.

If you have questions, concerns, or comments regarding our privacy policy or wish to report any issues with our adherence to it, please contact us via telephone at 833-33LUMIN or via email at [email protected].

 

Notice for California Residents

Introduction

Pursuant to the California Consumer Privacy Act of 2018 (codified at Ca. Civ. Code §1798.100, et seq.), Lumin Digital is providing additional information related to the collection of Personal Information, as defined in Ca. Civ. Code §1798.140, to the residents of California.

This privacy notice discloses the privacy practices for visitors of Lumin Digital’s corporate website, and applies to personal information collected solely by this website. This policy serves to clarify our company’s privacy protections afforded to institutional and consumer data, for those consumers residing in the state of California.

This privacy policy does not apply to any other websites operated by Lumin Digital at other domains. Additionally, our site may contain links to other websites, and we are not responsible for the content, security, or privacy policies of external websites.

Effective Date: 01-01-2021

Information Collected

The following is a chart of the categories of personal information Lumin Digital collects. 

Category Examples Collected by Lumin Digital
Identifiers A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. Yes
Personal Information Categories Listed in the CA. Customer Records Statute (Ca. Civ. Code 1798.80) A real name, contact information, and payment information. Yes
Protected Classification Characteristics under CA & Fed. Law Age, gender, national origin, marital status, citizenship. No
Commercial Information Transactional or purchase history. No
Biometric Information Face imagery, fingerprints, iris/retina scans, etc. No
Internet/Network Activity Information Browsing history and interaction with the Lumin Digital website, application or advertisement Yes
Geolocational Data Device location, or approximate location derived from an IP address Yes
Sensory Data Audio, electronic, and visual information No
Professional or Employment-related Data Work History and Employer No
Inferences Drawn from Personal Information Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. Yes

Uses of Information Collected

Lumin Digital uses collected information:

  1. To provide services requested by visitors to our website; i.e., Request a Demo from a prospective client financial institution.
  2. For marketing purposes, such as following up with visitors and registrants to discuss their interests in the company.
  3. To market our relevant products and services.

If you provide your personally identifiable information, we may use that information to contact you, even if your browser sends a “Do Not Track” advisement header. Lumin Digital may also share information collected with our parent company, PSCU, Inc.; however, we do not sell, rent, or otherwise share it with other external entities.

Lumin Digital does not solicit or willingly collect any personal data from residents of the European Union and does not market or provide any goods or services to any entity therein nor monitor their behavior.

By providing personally identifiable information through our “Request a Demo” or other contact forms, we will collect, store, and use this information to respond to your inquiries and to market our relevant products and services to you and your organization. Any personal data entered by members of the European Union will be deleted upon discovery.

Lumin Digital does not knowingly collect, use, or share any personally identifiable information from children under the age of 13, except as directed by a client institution.

Sharing Information Collected

Through a business purpose exception granted by the California Consumer Privacy Act, Lumin Digital reserves the right to share information we collect through this website with certain third parties, such as web analytics technologies. This helps us better understand the types of visitors that access this site to provide a better and personalized experience.

Lumin Digital reserves the right to share threat intelligence with law enforcement officials, the Financial Services Information Sharing and Analysis Center (FS-ISAC), and other legitimate threat intelligence forums. The type of information shared in this instance is limited to anonymous details from entities which are suspected or known to be malicious in nature and that threaten the security of the digital banking system or user logins. When shared, such threat intelligence may include the IP addresses, device characteristics, and other network signatures that allow for the detection and prevention of malicious or damaging communications.

While Lumin Digital does not provide information on client institution consumers to law enforcement agencies except in the aforementioned manner, Lumin Digital shall respond when compelled by a valid subpoena or court orders. When it is legally allowed to do so, such disclosures shall be reported to the client institution in a timely manner.

Rights of California Consumers

The California Consumer Privacy Act provider California consumers with specific rights regarding their personal information. This section explains these specific rights under the California Consumer Privacy Act and explains how to exercise these rights to consumers.

  • Right to Access Specific Personal Information Collected, within the last 12 months
  • Right to Delete Specific Personal Information Collected
  • Right to Prohibition of Discrimination for Exercising Rights granted by the California Consumer Privacy Act

To make a request for the disclosures or deletion described above, please contact Lumin Digital at the email address listed below in the subsequent section entitled Contact Information. Lumin Digital will verify and respond to your request consistent with applicable law, taking into account the type and sensitivity of the Personal Information subject to the request. Lumin Digital may need to request additional Personal Information from you, such as email address, residential address, mailing address, date of birth and or mobile phone number in order to verify your identity and protect against fraudulent requests.

Contact Information

We reserve the right to update this privacy policy at any time, for any reason.  When we make updates to this policy, we will provide an updated Product Privacy Policy with at least 30 days of advanced notice before any changes take effect, unless immediate action is required to protect the security and confidentiality of sensitive information.

If you have questions, concerns, or comments regarding our privacy policy or wish to report any issues with our adherence to it, or exercise any rights granted to you by the California Consumer Privacy Act, please contact us via telephone at 833-33LUMIN or via email at [email protected].