LumoXchange, LLC. a Delaware corporation, is serious about protecting your privacy. This Privacy Promise (“Policy”) covers how LumoXchange collects and uses the personal information you provide on our website and in conjunction with any of the services hosted at www.LumoXchange.com (“Service” and “Website”), including money transfer services accessed by any internet enabled device. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
The Policy was last updated on May 21st, 2017.
This Policy explains what personal information we collect about you, with whom we share it, and how you can elect in certain situations to not share information with third parties. “Personal Information” refers to information such as name and email that can be used to identify you individually.
We may amend this Policy at any time, and whenever we do so we will notify you by posting a revised version on the Website. If, however, we plan to make a material change in the way we collect, use or store your personal information, we will provide prior notice on our website, and by email. You will then have the chance to decide whether or not we will use or disclose your information in that new manner, whether though an “opt-out” procedure or by ending your relationship with us. Such changes will become effective, at the earliest, 30 days after the date of the email notifications.
We ask that minors refrain from using our Service or submitting any personal information to us. Minors (those under the age of 18 years) are not eligible to use our Service.
If you have questions or concerns regarding this Policy, you should contact us.
We will collect the following information about you, which may include non-public personal information:
Financial Information we may collect personal financial information from our users, including:
We may also use “cookies” to track your use of the Website. A cookie is a small data file that we may place on your computer to identify you when you return to the Website. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of the Service. The information we store in the cookie is not Personal Information but a number that we generate and could not be used to lookup a user's Personal Information without certain of our proprietary software.
We collect Personal and Non-Personal information for the following purposes:
We will retain your information for as long as your account is active or as needed to provide you Service. If you wish to cancel your account or request that we no longer use your information to provide you Service contact customer service. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We do not sell or rent the information we collect to third parties for their promotional purposes. Nevertheless, we may share information about you (including nonpublic, personal information) with:
The transactions facilitated on our Site are encrypted to be processed by financial institutions in carrying out your transfer instructions. Those financial institutions and their privacy policies and terms will be identified for you at the time you place an order for Services through our Website. You should review those policies and terms carefully when you enter any bank or credit card information. We may collect other information related to your transactions and your account with us, including: identifiers that correspond to your account with other financial institutions, and other non-financial details such as the parties to the transaction, transaction amounts, and service details and fees.
Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict all types of sharing. You will always have the following choices regarding the information we collect, which you may exercise by logging in to our Website, or by contacting us at email@example.com, unless otherwise noted:
If you visit our site or service using a browser with “Do Not Track” settings, we cannot guarantee that our data collection practices and those of our partners will accommodate your preferences.
We employ industry accepted standards in protecting the information you submit to us on our Website. We have put in place SSL [Secure Socket Layer] encryption technology to protect your sensitive information transmitted through our Website. We also require a username and password from each user who wants to access their information on our Website. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security.
Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict all types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:
If you have a complaint, contact LumoXchange Customer Service, on-line; by phone (501) 476-6330; or by email at firstname.lastname@example.org.
You can contact us with any questions or concerns at:
417 Main St., Suite 326-7
Little Rock, AR
Phone: (501) 476-6330