Effective Date: October 2023 (Updated August 2025)

1. Introduction

Lumino Technologies, Inc. ("we" or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, and disclose information when you access or use the Lumino Payment Processing website and related services (collectively, "the Service"). By using the Service, you consent to the practices described in this Privacy Policy.

2. Information We Collect

Personal Information: We may collect personal information that you provide directly to us, including but not limited to your name, email address, business address, phone number, and financial information.

Mobile Information: If you opt in to receive SMS/text messages, we collect your mobile number and consent preferences. No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Usage Information: We may collect information about your use of the Service, including your IP address, browser type, operating system, the pages you view, and the referring page.

Cookies: We use cookies and similar tracking technologies to collect information and enhance your experience on our website.

3. How We Use Your Information

To provide, maintain, and improve the Service, including processing transactions, sending transaction notifications, and responding to your requests.

To communicate with you, send you promotional materials (if you have not opted out), and provide customer support.

To monitor and analyze trends, usage, and activities in connection with our Service.

To send SMS/text messages regarding sales, support, and application tracking (if you have opted in).

4. SMS Terms and Conditions

By providing your mobile number and opting in, you agree to receive SMS/text messages from Lumino regarding sales, support, and application tracking.

You can opt out at any time by replying STOP to any message you receive.

You can request more information by replying HELP.

Message frequency varies.

Message and data rates may apply.

If you need assistance or have questions about our SMS service, reply with "HELP" to any SMS message you receive or contact our customer support team at support@golumino.com.

5. Sharing Your Information

We may share your information with third-party service providers who help us operate, manage, and improve our Service.

We may share your information to comply with legal obligations, protect and defend our rights, and prevent fraud or illegal activity.

We will not sell, rent, or share your personal information with third parties for their marketing purposes.

6. Security

We take reasonable measures to protect your personal information. However, please be aware that no method of transmission over the internet or method of electronic storage is entirely secure.

7. Your Choices

You can access and update certain personal information we have about you by contacting us. You can also opt out of receiving promotional communications from us.
For SMS/text communications, you can opt out at any time by replying STOP or request more information by replying HELP.

8. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons.

9. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

Lumino Technologies, Inc.
3831 Landmark Dr
Missouri City, TX 77459
Email: support@golumino.com