Lumino is committed to transparency about how we handle your information. This Privacy Policy explains what data we collect, how we use it, and your choices regarding that data.
Last updated: November 5, 2026. Effective Date: November 5, 2026 (originally effective October 2023).
Lumino Technologies, Inc. ("Lumino," "we," "us," or "our") 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.
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.
Bank Account Information: If you connect a bank account to the Service, we collect information about that account through our service provider Plaid Inc., as described in Section 4 (Bank Account Connections Through Plaid).
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.
Lumino uses Plaid Inc. ("Plaid") to gather your data from financial institutions when you connect a bank account to the Service. By using the Service, you grant Lumino and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy, available at https://plaid.com/legal/#end-user-privacy-policy.
You connect your bank account through Plaid's secure interface. Lumino does not receive or store your online banking username or password.
Information we receive through Plaid. Depending on the features you use, we may receive:
How we use it. We use information received through Plaid only to provide the Service you have requested and consented to, including to:
How we share it. We do not sell information received through Plaid. We share it only as needed to provide the Service, with your consent, and as permitted by law, including with our payment processor, Adyen, to process ACH transactions and payouts, with service providers who help us operate the Service under confidentiality obligations, and where required to comply with law or to prevent fraud.
Your choices. You can remove a linked bank account from your Lumino dashboard at any time so it is no longer used for payments. To fully revoke Lumino's access to your bank account through Plaid, contact us at support@golumino.com. You can also manage the connections you have made through Plaid at Plaid Portal (https://my.plaid.com). When you revoke access or ask us to delete your bank data, we stop accessing your account through Plaid and delete the bank data we received, except for records we are required to keep by law, payment network rules, or our agreements with our payment processors. Revoking access may stop us from processing ACH payments or payouts for your account.
We keep personal information only as long as needed for the purposes described in this Privacy Policy, or as required by law, payment network rules, or our agreements with payment processors and data providers. Bank account information received through Plaid is kept only as long as needed for the purpose you consented to, and is deleted when you revoke access or ask us to delete it, unless the law requires us to keep a copy. For example, we keep ACH debit authorization records for at least 2 years after an authorization ends, as required by the Nacha Operating Rules, and payment transaction records for 7 years after the transaction.
We take reasonable measures to protect your personal information, including encrypting data in transit and at rest and limiting access to personnel with a business need. Bank account connections are made through Plaid, and we never receive your online banking credentials. However, please be aware that no method of transmission over the internet or method of electronic storage is entirely secure.
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. You may ask us to delete your personal information, including bank account information received through Plaid, by contacting us at support@golumino.com. We will verify and respond to your request promptly, subject to any records we are required to keep by law.
For SMS/text communications, you can opt out at any time by replying STOP or request more information by replying HELP.
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons.
If you have any questions or concerns about this Privacy Policy, or would like to make a request about your information, please contact us at:
Lumino Technologies, Inc.
4201 Main Street, Suite 251
Houston, TX 77002
Email: support@golumino.com