Template — review by qualified legal counsel before launch. Lumen is a brand of the Selective Capital business-funding network.
Privacy Policy
Effective date: January 1, 2026
Lumen (“we,” “our,” or “us”) operates the website lumen-credit.vercel.app and the Lumen line-of-credit application (collectively, the “Service”). This Privacy Policy explains how we collect, use, share, and protect your personal information, and what choices you have. By using our Service you agree to the practices described here.
1. Information we collect
Information you provide
When you apply for a line of credit or create an account we collect: name, email address, phone number, business name and address, Tax ID / EIN, annual revenue, and any documents you upload (bank statements, tax returns, etc.). We also collect identity verification data as required by law.
Information collected automatically
When you visit our site we automatically receive your IP address, browser type, device identifiers, referring URL, pages visited, and timestamps. We use cookies and similar technologies to recognize returning visitors and measure how people use the Service. You can configure your browser to refuse cookies, though some features may not work as expected.
Information from third parties
With your authorization we may receive credit reports and scores from consumer reporting agencies, bank transaction data from linked financial institutions, and business data from commercial data providers to evaluate your application.
2. How we use your information
- —Evaluate and process your credit application
- —Open, manage, and service your line of credit
- —Verify your identity and comply with KYC/AML obligations
- —Communicate about your account, including statements and alerts
- —Improve and personalize the Service
- —Detect and prevent fraud, security incidents, and abuse
- —Comply with applicable laws and regulatory requirements
- —Send marketing communications about our products (you may opt out at any time)
3. How we share your information
We do not sell your personal information. We share data only in the following circumstances:
Service providers
Vendors who help us operate — cloud hosting, identity verification, payment processing, analytics — under confidentiality agreements and limited to the purpose for which they were engaged.
Lending partners
If your application is referred to or co-funded by a partner lender, we share the data necessary to evaluate and originate the loan. Their privacy practices will be disclosed at that time.
Credit reporting agencies
We may furnish account information (including payment history) to consumer and commercial reporting agencies as permitted by law.
Legal and regulatory
When required by subpoena, court order, or regulation, or to protect the rights, property, or safety of Lumen, our customers, or others.
Business transfers
In connection with a merger, acquisition, or sale of assets, your information may be transferred. We will notify you before your data is subject to a materially different privacy policy.
4. Security
We implement industry-standard technical and organizational measures — including TLS encryption in transit, AES-256 encryption at rest, role-based access controls, and regular security assessments — to protect your information against unauthorized access, disclosure, or destruction. No method of transmission over the internet is 100% secure; we encourage you to use a strong, unique password and enable two-factor authentication on your account.
5. Your rights
Depending on your location, applicable law may give you the right to access, correct, delete, or port your personal data; to restrict or object to certain processing; and to withdraw consent where processing is based on consent. To exercise these rights, email info@sbaloanoptions.com with your name and a description of your request. We will respond within the period required by applicable law.
If you have opted in to marketing communications you may unsubscribe at any time by clicking the link in any email we send or by contacting us directly.
6. Data retention
We retain personal information for as long as your account is active, as needed to provide the Service, and as required by applicable law (including anti-money-laundering record-keeping obligations). When we no longer need your data we securely delete or anonymize it.
7. Children
Our Service is intended for business use by adults only. We do not knowingly collect personal information from anyone under 18. If you believe a minor has submitted data to us, contact us at info@sbaloanoptions.com and we will delete it promptly.
8. Changes to this policy
We may update this policy from time to time. When we do, we will post the revised version with a new effective date and, for material changes, notify you by email or prominent notice on the Service. Continued use of the Service after changes take effect constitutes acceptance of the updated policy.
9. Contact us
For privacy questions or to exercise your rights, contact our privacy team at info@sbaloanoptions.com, or by mail at: Lumen, 5301 N Federal Hwy, Boca Raton, FL 33487.