Terms of Use

Effective Date: June 1, 2026

These Terms of Use ("Terms") govern your access to and use of the website located at luminlending.com, including any subdomains, mobile versions, and associated online services (collectively, the "Site"), operated by Lumin Lending, Inc. ("Lumin Lending," "we," "our," or "us"), a licensed California mortgage broker, NMLS #2716106. Please read these Terms carefully before using the Site.

1. Acceptance of Terms

By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately discontinue use of the Site. These Terms constitute a binding legal agreement between you and Lumin Lending.

We reserve the right to modify these Terms at any time. Changes become effective upon posting to the Site. Your continued use of the Site after any modification constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

2. Use of the Website

Permitted Uses: You may use the Site for lawful, personal, non-commercial purposes to learn about Lumin Lending's mortgage services, submit loan inquiries, contact our team, and access publicly available information.

Prohibited Uses: You agree not to: (a) use the Site for any unlawful purpose or in violation of any applicable federal, state, or local law or regulation; (b) transmit any unsolicited or unauthorized advertising, promotional materials, spam, or similar communications; (c) attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site; (d) use any robot, spider, scraper, or other automated means to access the Site for any purpose without our prior written consent; (e) interfere with or disrupt the integrity or performance of the Site or any data contained therein; (f) reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site without our express written permission; (g) submit false, misleading, or fraudulent information in connection with any loan application or inquiry; or (h) impersonate any person or entity or otherwise misrepresent your affiliation with any person or entity.

3. Loan Information Disclaimer

All interest rates, loan terms, annual percentage rates (APR), fees, and program information displayed on this Site are provided for informational and illustrative purposes only. Rates and terms are subject to change at any time without notice and may vary based on your individual credit profile, loan-to-value ratio, property type, loan amount, occupancy status, and other underwriting factors.

Nothing on this Site constitutes a commitment to lend, a loan approval, a rate lock, or a guarantee of any specific loan terms. All loans are subject to lender approval, satisfactory appraisal, title clearance, and verification of all information provided in the application. Contact us directly at (949) 881-6129 or info@luminlending.com for current rates and program availability.

Lumin Lending, Inc. is licensed as a mortgage broker and does not fund loans directly. Loans are funded by third-party lenders. Lumin Lending arranges but does not make loans. Not all products are available in all states. See our NMLS consumer access page at nmlsconsumeraccess.org, NMLS #2716106.

4. No Professional Advice

The content, calculators, articles, guides, and other materials available on this Site are provided for general informational purposes only. Nothing on this Site constitutes, or should be construed as, financial advice, investment advice, legal advice, tax advice, or any other form of professional counsel. The information on this Site is not a substitute for advice from a qualified professional familiar with your individual circumstances.

We recommend that you consult with qualified legal, tax, financial, and mortgage professionals before making any mortgage or real estate decisions. Reliance on any information provided on this Site is solely at your own risk.

5. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, images, icons, audio clips, digital downloads, data compilations, and software, is the property of Lumin Lending, Inc. or its content suppliers and is protected by United States and international copyright, trademark, trade dress, and other intellectual property laws.

You may not reproduce, distribute, transmit, display, perform, publish, license, create derivative works from, transfer, or sell any content obtained from the Site without the prior written consent of Lumin Lending, Inc. The "Lumin Lending" name, logo, and all related names and logos are trademarks of Lumin Lending, Inc. All other trademarks, service marks, product names, and company names mentioned on the Site are the property of their respective owners.

6. Third-Party Links

The Site may contain links to third-party websites or resources. These links are provided for your convenience only. Lumin Lending has no control over the content or practices of any third-party sites and accepts no responsibility for the availability, accuracy, or content of such sites. The inclusion of any link does not imply endorsement by Lumin Lending. You access any third-party websites at your own risk and subject to the terms and conditions of those sites.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LUMIN LENDING, INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE, ANY CONTENT ON THE SITE, OR ANY ERRORS OR OMISSIONS IN THE CONTENT, EVEN IF LUMIN LENDING HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL LUMIN LENDING'S TOTAL CUMULATIVE LIABILITY TO YOU ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE EXCEED ONE HUNDRED DOLLARS ($100.00). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

The Site is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy of information.

8. Indemnification

You agree to defend, indemnify, and hold harmless Lumin Lending, Inc., its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your use or misuse of the Site, your submission of any information through the Site, or your violation of any third-party rights, including intellectual property rights.

9. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. You agree that any legal action or proceeding arising out of or relating to these Terms or your use of the Site shall be brought exclusively in the federal or state courts of competent jurisdiction located in Orange County, California, and you hereby consent to the personal jurisdiction of such courts.

Notwithstanding the foregoing, nothing in these Terms shall prevent Lumin Lending from seeking injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or confidential information.

10. Changes to Terms

We reserve the right to modify, amend, or update these Terms at any time at our sole discretion. We will provide notice of material changes by updating the "Effective Date" at the top of this page and, where appropriate, by displaying a notice on the Site. Your continued use of the Site following the posting of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must discontinue your use of the Site.

11. Contact Us

If you have any questions about these Terms of Use, 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