Lumio Financial LLC ("Lumio Financial," "we," "us," or "our") is committed to protecting the privacy of individuals who visit our website and interact with our business. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit lumiofinancial.com or contact us about purchasing your property.
1. Information We Collect
We may collect the following categories of personal information:
- Contact Information: Name, email address, phone number, and mailing address.
- Property Information: Address, condition, ownership status, and details you voluntarily share about the property you wish to sell.
- Communication Records: Records of phone calls, SMS messages, emails, and online form submissions.
- Usage Data: IP address, browser type, pages visited, and time spent on our website (collected automatically via cookies or analytics tools).
2. How We Use Your Information
We use the information we collect to:
- Respond to your inquiry and provide a cash offer for your property.
- Communicate with you via phone, email, or SMS regarding your property transaction.
- Send appointment reminders, status updates, or follow-up messages related to your inquiry.
- Comply with applicable legal obligations.
- Improve our website, services, and marketing efforts.
- Prevent fraud and protect the security of our business and users.
3. SMS / Text Message Communications
By submitting your phone number on our website or otherwise consenting to SMS communications, you agree that Lumio Financial LLC may send you text messages regarding your property inquiry and related real estate services.
- Opt-In: Consent is obtained at the point of form submission or verbal/written agreement.
- Opt-Out: You may opt out of SMS messages at any time by replying STOP to any message. You will receive one final confirmation message, then no further SMS will be sent.
- Help: Reply HELP to any message for support, or contact us at the information below.
- Message Frequency: Message frequency varies depending on the stage of your inquiry. Typically no more than 5 messages per week.
- Rates: Message and data rates may apply based on your mobile carrier plan.
- No Condition of Service: Your consent to receive SMS is not a condition of purchasing or selling property with Lumio Financial.
4. Sharing of Information
We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information with:
- Service Providers: Trusted vendors who assist us in operating our website or conducting our business (e.g., CRM software, SMS platforms, title companies), under strict confidentiality obligations.
- Legal Requirements: When required by law, court order, or governmental authority.
- Business Transfers: In connection with a merger, acquisition, or sale of business assets, where your information may be transferred to a successor entity.
5. Cookies and Tracking Technologies
Our website may use cookies and similar tracking technologies to improve your browsing experience and collect usage analytics. You may configure your browser to refuse cookies, though some features of the site may not function properly if you do so.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, complete a transaction, or comply with legal obligations. SMS opt-out records are retained indefinitely to honor your preferences.
7. Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, or destruction. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
8. Your Rights (California and Texas Residents)
Depending on your state of residence, you may have rights to access, correct, or delete your personal information, or to opt out of certain uses of your data. To exercise these rights, contact us using the information below. We will respond within 30 days.
9. Children's Privacy
Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites and encourage you to review their privacy policies.
11. Changes to This Policy
We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised effective date. Continued use of our services after changes are posted constitutes your acceptance of those changes.
12. Contact Us
If you have any questions, requests, or concerns about this Privacy Policy or our data practices, please contact us:
- Company: Lumio Financial LLC
- Location: El Paso, TX
- Website: lumiofinancial.com