Privacy Policy

Last Updated: April 6, 2026

Introduction

Luminvera ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

By using Luminvera, you agree to the collection and use of information in accordance with this policy.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us, including:

  • Name (first name, last name)
  • Email address
  • Zip code
  • Phone number (if provided)
  • Demographic information (age, gender, etc.)
  • Insurance preferences and coverage needs

Usage Information

We automatically collect certain information about your device and how you interact with our website:

  • IP address
  • Browser type and version
  • Operating system
  • Pages visited and time spent on pages
  • Referring website
  • Device identifiers

How We Use Your Information

We use the information we collect for the following purposes:

  • To connect you with insurance providers: Share your information with trusted insurance partners who can provide coverage options based on your needs
  • To improve our services: Analyze usage patterns to enhance user experience and develop new features
  • To communicate with you: Respond to inquiries, provide updates, and send relevant information (with your consent)
  • To comply with legal obligations: Meet regulatory requirements and protect our rights
  • To prevent fraud: Detect and prevent fraudulent activities

Sharing Your Information

Insurance Partners

We may share your information with trusted insurance providers and partners ("Third-Party Partners") when you request a connection or submit information through our service. These partners may contact you to provide quotes or discuss coverage options.

Important: We only share your information with Third-Party Partners when you explicitly request a connection or submit information for that purpose.

Service Providers

We may share information with third-party service providers who perform services on our behalf, such as:

  • Website hosting and maintenance
  • Data analytics and processing
  • Email communication services
  • Customer support services

Legal Requirements

We may disclose your information if required to do so by law or in response to a valid legal request, such as a court order or subpoena.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new owner.

TCPA Compliance

We comply with the Telephone Consumer Protection Act (TCPA) and all applicable regulations regarding telemarketing and electronic communications.

  • We obtain your express consent before contacting you via phone or text message
  • We honor opt-out requests promptly
  • We maintain records of consent for all communications
  • We do not use automated dialing systems without proper consent

To Opt Out: If you no longer wish to receive communications from us or our partners, you can opt out by clicking the "unsubscribe" link in our emails or by contacting us at support@luminvera.com.

Data Security

We implement reasonable security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities. Cookies are small files stored on your device that help us improve your experience and understand how our website is used.

You can control cookies through your browser settings, but disabling cookies may affect the functionality of our website.

Third-Party Links

Our website may contain links to third-party websites, including insurance providers and partners. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party websites you visit.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

  • Access: Request a copy of the personal information we hold about you
  • Correction: Request correction of inaccurate or incomplete information
  • Deletion: Request deletion of your personal information
  • Objection: Object to our use of your personal information
  • Restriction: Request that we limit how we use your personal information
  • Data Portability: Request a copy of your information in a structured, machine-readable format

To exercise these rights, please contact us at support@luminvera.com.

Children's Privacy

Our services are not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us, and we will take steps to delete such information.

International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable laws.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last Updated" date above.

Your continued use of our services after the effective date of the revised policy constitutes your acceptance of the changes.

Contact Us

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