Privacy Policy

Yes, Luminate Bank shares information and it can't be limited. This is done to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

We do not share information. We use it to offer our products and services to you.

We do not share your information.

We do share. Information about your transactions, experiences, and creditworthiness.

We do share. Information about your transactions, experiences, and creditworthiness.

We do not share your information.

Call us toll-free at 833.268.2424

Visit us online at www.luminate.bank

Email us at customerservice@luminate.bank

Please note:

If you are a new customer, we can begin sharing your infromation 30 days from the date we sent this notice. When you are no longer a customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit  our sharing.

Call 952-939-7200 (Minnetonka) or 507-528-2133 (Claremont) of go to www.luminate.bank

Luminate Bank

To protect your personal information from unauthorized access and use, we use security measures that comply with federal laws. This includes computer safeguards, secured files, and buildings.

We collect your personal information when you perform the below examples:

• Open an account or apply for a loan
• Pay your bills
• Use your credit or debit card or deposit money

We also collect your personal information from others such as credit bureaus, affiliates, or other companies.

Federal law gives you the right to limit:

• Sharing for affiliates’ everyday business purposes—information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market to you

State laws and individual companies potentially give you additional rights to limit sharing.

Your choices will apply to everyone on your account - unless you tell us otherwise.

Companies related by either common ownership or control. They can be either financial and non-financial companies.

Our affiliates include financial companies, such as Luminate Home Loans, Inc. 

Companies not related by common ownership or control. They can be either financial and non-financial companies.

Luminate Bank does not share with non-affiliates so they can market to you.

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Luminate Bank does not jointly market.

The NMLS for Luminate Bank is: 1281698

The information below pertains to indiidual state laws and only applies to the residents of that particular state. If state law provides you with additional protections, we follow state law.

In accordance with California law, we will not share information we collect about you with companies outside of  Luminate Bank unless the law allows. For example, we may share information with your concent, to service your account, or provide rewards or benefits you are entitled to. We will limit our sharing to the extent required by California law.

We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.luminate.bank or call 833-268-2424

We are providing you this notice puruant to Nevada law. You may be placed on our internal Do Not Call list by calling 833.268.2424 or writing to Luminate Bank, Attn: Privacy Officer, 2523 S Wayzata Blvd. Suite 100, Minneapolis, MN 55405. Nevada requires that we provdie contact information for the state's Bureau of Consumer Protection to all consumers that do business with us. The contact information for the Bureau of Consumer Protection, of the Office of the Nevada Attorney General, is provided below.

Address: Bureau of Consumer Protection, Office of the Nevadda Attorney General, 555 E. Washington  St, Ste 3900, Las Vegas, NV 89101

Phone: (888) 434-9989

Email: aginquires@ag.nv.gov

Website: https://ag.nv.gov/complaints/file_complaint/