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Privacy Policy

Effective Date: May 1st, 2026

Last Updated: May 1st, 2026

Lumara Capital LLC ("Lumara Capital," "we," "us," or "our") is committed to protecting the privacy and security of the personal and business information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website at lumara-capital.com (the "Site"), submit an application, or engage with our funding services (collectively, the "Services").

Please read this Privacy Policy carefully. By accessing or using our Services, you agree to the terms described herein. If you do not agree, please do not use the Site or Services.

1. Information We Collect

1.1 Information You Provide Directly

We collect information you voluntarily provide when you use our Services, including:

  • Full name, business name, and contact information (email address, phone number, mailing address)
  • Social Security Number or Employer Identification Number (EIN) for application and identity verification purposes
  • Business financial information, including bank statements, revenue figures, and credit information
  • Details about your funding needs, intended use of funds, and business operations
  • Communications with our team, including emails, calls, and messages submitted through the Site

1.2 Information Collected Automatically

When you visit our Site, we and our service providers may automatically collect:

  • IP address, browser type, operating system, and device identifiers
  • Pages viewed, time spent on the Site, referring URLs, and click-stream data
  • Cookie data and similar tracking technologies (see Section 6 below)

1.3 Information from Third Parties

We may receive information about you from third parties such as:

  • Credit bureaus and reporting agencies (with your authorization)
  • Funding partners and lenders in our network
  • Data providers, marketing partners, and list aggregators
  • Publicly available sources, including business registries and directories

2. How We Use Your Information

We use the information we collect for the following purposes:

  • To process and evaluate your funding application and match you with appropriate funding partners
  • To communicate with you about your application, funding options, and account status
  • To verify your identity and the identity of your business
  • To conduct credit checks and background reviews as part of our underwriting process (with your consent where required)
  • To comply with applicable laws, regulations, and legal obligations
  • To prevent fraud, unauthorized access, and other prohibited activities
  • To improve our Site, Services, and internal operations
  • To send you marketing communications, updates, and special offers (you may opt out at any time)
  • To analyze usage trends and improve user experience

3. Sharing and Disclosure of Information

3.1 Funding Partners and Lenders

When you submit an application or inquiry, we may share your information with our network of funding partners, lenders, and financial institutions for the purpose of evaluating and potentially funding your request. These partners operate under their own privacy policies, and we encourage you to review those policies before accepting any funding offer.

3.2 Service Providers

We may share information with trusted third-party service providers who assist us in operating our Site and delivering our Services, including:

  • Technology and cloud infrastructure providers
  • Customer relationship management (CRM) software vendors
  • Communication and email delivery platforms
  • Analytics and marketing service providers

These providers are contractually required to handle your information securely and only for the purposes we specify.

3.3 Legal and Regulatory Requirements

We may disclose your information when required by law or in response to valid legal process, including subpoenas, court orders, or government investigations. We may also disclose information to protect the rights, property, or safety of Lumara Capital, our clients, or the public.

3.4 Business Transfers

In the event of a merger, acquisition, sale of assets, or other corporate transaction, your information may be transferred to the acquiring or successor entity. We will provide notice if such a transfer results in material changes to how your information is handled.

3.5 Consent

We may share your information with other third parties with your explicit consent or at your direction.

4. Data Retention

We retain your personal and business information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with applicable legal obligations, resolve disputes, and enforce our agreements. When information is no longer required for these purposes, we securely delete or anonymize it in accordance with our data retention schedules.

5. Security

We implement commercially reasonable technical and organizational security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption, access controls, and secure data transmission protocols.

However, no method of transmission over the Internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any login credentials and for notifying us immediately if you suspect unauthorized access to your account.

6. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to enhance your experience on our Site, analyze usage patterns, and deliver relevant content. You may control cookie settings through your browser preferences. Please note that disabling certain cookies may affect the functionality of our Site.

We may also use third-party analytics tools (such as Google Analytics) that collect anonymized usage data to help us understand how visitors interact with our Site. These tools are subject to their own privacy policies.

7. Your Rights and Choices

Depending on your state of residence, you may have certain rights with respect to your personal information, including:

  • The right to access and receive a copy of the personal information we hold about you
  • The right to request correction of inaccurate or incomplete information
  • The right to request deletion of your personal information, subject to legal exceptions
  • The right to opt out of the sale or sharing of your personal information (where applicable under state law)
  • The right to opt out of marketing communications at any time

To exercise any of these rights, please contact us at the information provided in Section 11. We will respond to verified requests within the timeframe required by applicable law.

8. Children's Privacy

Our 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 information from a minor, please contact us immediately at info@lumaracapital.com and we will promptly delete such information.

9. Links to Third-Party Websites

Our Site may contain links to third-party websites. This Privacy Policy does not apply to those external sites. We are not responsible for the privacy practices or content of linked sites and encourage you to review the privacy policies of any website you visit.

10. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. When we make material changes, we will post the revised policy on our Site with an updated effective date. Your continued use of our Services following any changes constitutes your acceptance of the revised policy. We encourage you to review this page periodically.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Lumara Capital LLC

460 Park Ave, Suite 1200

New York, NY 10022

Email: info@lumaracapital.com

Phone: 215-607-8989

Website: lumara-capital.com