PRIVACY POLICY

Lumera Services, LLC
Effective Date: March 1, 2026
Last Updated: March 1, 2026

Lumera Services, LLC (“Lumera,” “we,” “our,” or “us”) respects your privacy and is committed to safeguarding client information.

This Privacy Policy explains how we collect, use, store, protect, and disclose information when you visit www.lumeraservices.org or engage our services.

Lumera operates in compliance with:

• Internal Revenue Code §7216
• IRS Publication 4557
• Gramm-Leach-Bliley Act (GLBA)
• FTC Safeguards Rule
• Applicable state data protection laws

(As reflected in our Written Information Security Plan (WISP).)

1. Information We Collect

A. Information You Provide Directly

We may collect:

• Full name
• Address
• Phone number
• Email address
• Date of birth
• Social Security Number
• ITIN documentation
• Government-issued identification
• Tax return information
• Credit report information (when authorized)
• Debt account information
• Business formation information
• Bank account information (when required for authorized tax or service processing)

This information is classified internally as Sensitive Client Information.

B. Information Collected Automatically

When you visit our website, we may collect:

• IP address
• Browser type
• Device type
• Pages visited
• Date and time of access
• Basic usage analytics

This information is used to improve website performance and security.

C. Payment Information

Electronic payments are processed through secure third-party payment processors.

Lumera does not store full credit card numbers on local systems.

Payment processors maintain their own privacy and security policies.

2. How We Use Your Information

We use collected information to:

• Provide tax preparation and ITIN services
• Provide credit repair and financial advocacy services
• Provide debt negotiation support services
• Provide business formation and administrative services
• Respond to consultation requests and inquiries
• Process payments
• Maintain compliance with IRS and regulatory requirements
• Protect against fraud or unauthorized activity
• Improve operational efficiency

We do not sell personal information.

We do not share client data for marketing purposes.

3. Legal Basis for Processing (Where Applicable)

Information is processed based on:

• Contractual necessity (to provide requested services)
• Legal compliance (IRS, GLBA, FTC Safeguards Rule)
• Legitimate business operations
• Client consent where required

4. Information Sharing & Disclosure

We share information only when necessary and appropriate.

A. Service Providers

Information may be shared with trusted third-party platforms such as:

• Professional tax preparation software providers
• Secure accounting platforms
• Secure document management systems
• Payment processors

These providers are selected based on security standards and compliance expectations.

B. Government Authorities

Information may be disclosed when:

• Authorized by the client
• Required for filing purposes
• Required by subpoena, court order, or law

C. Legal Protection

We may disclose information when necessary to:

• Protect Lumera’s legal rights
• Enforce service agreements
• Respond to fraud or chargebacks
• Comply with regulatory obligations

5. Data Security & Safeguards

Lumera maintains administrative, technical, and physical safeguards consistent with IRS and federal security standards.

Security measures include:

• Multi-Factor Authentication (MFA)
• Full disk encryption
• Endpoint protection software
• Secure client portals
• Limited data access (owner-operated firm)
• Password-protected devices
• Screen auto-lock controls
• Secure cloud-first storage
• Secure destruction of physical documents

Prohibited practices include:

• Storing SSNs in personal email accounts
• Transmission of sensitive documents through unsecured messaging platforms
• Use of unsecured public Wi-Fi without protective measures
• Storage in personal cloud accounts

While strong safeguards are implemented, no system can guarantee absolute security.

6. Data Retention

Lumera retains client records for seven (7) years from service completion, unless a longer retention period is required by law.

After the retention period:

• Digital records may be securely deleted
• Physical records are shredded using secure methods

Clients are responsible for maintaining their own copies of important records.

7. Incident Response

If a data security incident is suspected, Lumera will:

• Isolate affected systems
• Conduct an internal investigation
• Implement corrective security measures
• Notify applicable regulatory authorities when required
• Notify affected clients when legally required

All incidents are documented consistent with our internal security policies.

8. Client Responsibilities

Clients are responsible for:

• Providing accurate and complete information
• Using secure communication channels when instructed
• Monitoring their contact information
• Maintaining copies of submitted documentation

9. Cookies & Website Tracking

Our website may use basic cookies or analytics tools to:

• Measure traffic
• Improve site functionality
• Analyze user behavior trends

You may disable cookies in your browser settings.

10. Multi-State Services

Lumera provides services nationwide where permitted by law. Clients engaging services from outside New Jersey acknowledge that certain state-specific consumer protections may apply.

11. Your Rights

Depending on applicable federal and state laws, you may have the right to:

• Request access to personal information
• Request correction of inaccurate information
• Request deletion (subject to legal retention requirements)

Requests may be submitted to:
Contact@lumeraservices.org

Certain information cannot be deleted if retention is required by IRS regulations or other legal obligations.

12. Children’s Privacy

Our services are not directed to children under 13 years of age. We do not knowingly collect information from children.

13. Third-Party Links

Our website may contain links to third-party websites. Lumera is not responsible for the privacy practices of external sites.

14. Changes to This Policy

Lumera may update this Privacy Policy periodically.

Updates will be posted on this page with a revised “Last Updated” date.

Continued use of the website constitutes acceptance of revisions.

15. Contact Information

Lumera Services, LLC
New Jersey, United States
WhatsApp: +1 (551) 399-4787
Email: Contact@lumeraservices.org
Website: www.lumeraservices.org