SMS Terms & Conditions

Effective Date: June 1, 2026

These SMS Terms and Conditions ("SMS Terms") govern your enrollment in and receipt of text message communications from Lumin Lending, Inc. ("Lumin Lending," "we," "our," or "us"), NMLS #2716106, a licensed California mortgage broker. By opting in to receive SMS messages from Lumin Lending, you agree to be bound by these SMS Terms and our Privacy Policy.

1. Program Description

Lumin Lending operates an SMS messaging program to communicate with clients and prospective clients regarding mortgage and lending services. Through this program, Lumin Lending may send you text messages for the following purposes:

Loan Application Updates: Status updates, document request notifications, and milestone alerts related to your mortgage loan application or file.

Appointment Reminders: Confirmations and reminders for scheduled calls, consultations, or appointments with your loan officer.

Rate and Program Alerts: Notifications about mortgage rate movements or loan program changes that may be relevant to your file or inquiry.

Promotional Communications: With your express written consent as required by law, information about Lumin Lending's mortgage products, services, and offers that may be of interest to you.

Lumin Lending is the sender of all messages in this program. We do not charge for SMS messages; however, standard message and data rates may apply from your mobile carrier.

2. How to Opt In

You may opt in to receive SMS messages from Lumin Lending by one of the following methods:

Providing your mobile phone number and expressly consenting to receive SMS messages on our website contact or loan inquiry form; verbally providing your consent during a phone call with a Lumin Lending loan officer; providing written consent as part of a loan application or disclosure form; or texting a specific keyword to a designated Lumin Lending short code or long code as indicated in our marketing materials.

By opting in, you represent and warrant that (a) you are the account holder or authorized user of the mobile phone number provided, and (b) you have the legal authority to provide consent for the number you register. You must be at least 18 years of age to participate in this SMS program.

3. Message Frequency

Message frequency varies based on your account activity, loan application status, and the nature of your relationship with Lumin Lending. Transactional messages (such as loan status updates and appointment reminders) are sent as triggered by activity on your file and may occur several times per week during an active loan transaction. Promotional messages are sent less frequently, generally no more than four times per month. You may receive fewer messages if there is no active account activity.

4. Message and Data Rates

Lumin Lending does not charge for SMS messages. However, standard message and data rates may apply to each text message sent and received, based on your mobile carrier's plan and rate schedule. Charges for text messaging and data usage are billed by and payable to your mobile carrier. Please contact your mobile carrier for details about your messaging and data plan.

If you are enrolled in an unlimited texting plan, you may not incur additional charges. Neither Lumin Lending nor the mobile carriers are liable for delayed or undelivered messages.

5. How to Opt Out

You may opt out of receiving SMS messages from Lumin Lending at any time. To unsubscribe, reply STOP to any SMS message you receive from us. After sending STOP, you will receive a one-time confirmation message verifying that you have been unsubscribed. Following that confirmation, you will no longer receive marketing or promotional SMS messages from us.

Please note that opting out of marketing SMS communications does not prevent Lumin Lending from sending you transactional messages that are required or permitted by law in connection with an active loan application or existing account, such as disclosures required under federal lending regulations.

You may also opt out by contacting us directly at info@luminlending.com or (949) 881-6129 and requesting removal from our SMS list.

6. Help

To receive help regarding our SMS program, reply HELP to any SMS message from us. You may also contact us at info@luminlending.com or (949) 881-6129. We will respond to help requests within 1 business day.

7. Supported Carriers

Our SMS program is supported by all major U.S. wireless carriers, including but not limited to AT&T, Verizon, T-Mobile, Sprint (T-Mobile), US Cellular, and their affiliates and subsidiaries. Carrier support may vary and is subject to change. Lumin Lending and the participating carriers are not liable for delayed or undelivered messages, errors in message delivery, or transmission failures caused by network issues or carrier disruptions.

8. Privacy

Your mobile phone number and any information you provide through SMS interactions are governed by our Privacy Policy. We do not sell or share your mobile phone number with third parties for their own marketing purposes. Your number may be shared with our SMS technology platform provider solely for the purpose of delivering messages on our behalf, subject to appropriate data protection agreements.

9. Regulatory Compliance

Lumin Lending's SMS program is operated in compliance with the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, and its implementing regulations at 47 C.F.R. Part 64, which govern the use of automated telephone dialing systems, prerecorded messages, and text messages to wireless telephone numbers. We obtain prior express written consent before sending any autodialed or prerecorded marketing messages to your mobile number, as required by the TCPA.

Our SMS program also complies with the guidelines and best practices established by the Cellular Telecommunications Industry Association (CTIA) and the Mobile Marketing Association (MMA), including requirements regarding opt-in confirmation, opt-out processing, and program identification.

If you believe you have received a text message from Lumin Lending in error, or that we have violated any applicable law or regulation, please contact us immediately at info@luminlending.com.

10. Changes to These Terms

We reserve the right to modify these SMS Terms at any time. When we make material changes, we will update the "Effective Date" at the top of this page. We may also notify you of changes by sending an SMS message. Your continued participation in the SMS program following any changes constitutes your acceptance of the revised SMS Terms.

11. Contact Us

For questions about these SMS Terms or our SMS program, please contact us:

Lumin Lending, Inc.
18201 Von Karman Ave Ste 800
Irvine, CA 92612
Phone: (949) 881-6129
Email: info@luminlending.com
NMLS #2716106