If you are an individual and have a Luminia LLC financial product or service for your personal, family or household purposes, please see our Consumer Financial Privacy Notice for additional information about how we use and share Personal Information that we collect in connection with providing you those financial products and services.
QUICK GUIDE TO CONTENTS
1. INFORMATION WE COLLECT
There are several ways that we may collect information about you, including through (A) information you provide to us directly; (B) information that we automatically collect; and (C) information we receive from third parties. This includes data that identifies you personally whether directly (i.e., your name) or indirectly (i.e., information about your online use).
A. Information You Provide To Us
We may collect information directly from you when you provide it to us on the Services. This may include when you use our Services, register or create an online account with us, purchase products or services, request information from us, sign up for newsletters or our email list, fill out a survey, request customer support, or otherwise communicate with or contact us. The information we collect may include your Personal Information which means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Personal Information may include your name, postal address, email address, telephone number, referrals, Social Security number, financial information, property or commercial information, tax information, and information about your solar energy activities, such as energy usage or utility provider, or demographic information.
You also may provide us with certain information in connection with your interactions with the Services. If you connect or link to us through a third-party website or service, such as a social media account, we may automatically receive certain information about you based on your registration and privacy settings on those third-party websites or services. This may include, but may not be limited to, your name, user name, demographic information, updated address or contact information, location, interests, and publicly-observed data, such as online activity.
B. Information Collected through Online Activity
Whenever you visit or interact with the Services, we may use a variety of technologies such as cookies, clear GIFs, pixel tags, log files, and other technologies or third-party services (such as LeadID) to automatically collect certain information about users of the Services and interactions with our emails and online advertisements as follows:
To learn more about our interest-based advertising and your advertising choices relating to the collection and use of your information, please see the “How We Use Your Information” and “Your Choices and Opting Out” sections below.
C. Information Collected from Other Sources
We may acquire information from other sources as follows:
We may use this information to help us maintain the accuracy of the information we collect, personalize your experience with the Services, target our communications so that we can inform you of products, services or other offers that may be of interest to you, to measure ad quality and responses, and for internal business analysis or other business purposes.
D. Combination of Information
We may combine the information that we receive from and about you, including information you provide to us and information we automatically collect through the Services, as well as information collected from other online or offline sources, including from third-party sources and from your installed solar system.
2. HOW WE USE YOUR INFORMATION
We may use the collected data for one or more of various purposes:
3. DISCLOSURE OF YOUR INFORMATION
We may share your Personal Information that we collect for business or commercial purposes as follows:
4. YOUR CHOICES & OPTING OUT
A. Cookies, Tracking Options and California Do Not Track Disclosures
You may adjust your device or Internet browser settings to limit certain tracking or to decline cookies, but by doing so, you may not be able to use certain features on the Services or take full advantage of all of our offerings. Please refer to your device’s settings or your Internet browser’s “Help” section for more information on how to delete and/or disable cookies or to control your tracking preferences.
Our system may not recognize “do not track” requests or headers from some or all browsers.
B. Interest-Based Advertising Choices
To understand your choices for receiving more relevant advertising provided on the Service or across other websites and online services, please review the information below:
C. Unsubscribing from Our Marketing Communications
We provide our customers, as well as individuals referred by our customers, with the opportunity to opt out of having their information used for purposes not directly related to placement, processing, fulfillment, or delivery of a product or service.
To opt out of marketing communications or to request to be added to our Do Not Call List or Do Not Mail List, you may use one of these convenient methods:
Any third parties to whom we may disclose your information may have their own privacy policies which describe how they use and disclose your information, and your choices. If you want to learn more about their privacy practices, we encourage you to visit the websites of those third parties.
D. Accessing or Updating Your Information
If you become a Luminia customer, you can create an account with us. You can contact your sales representative or Luminia Customer Care representative to request a correction to or update of certain information you provided in connection with your account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
5. SUPPLEMENTAL CALIFORNIA PRIVACY NOTICE FOR CALIFORNIA RESIDENTS
This Supplemental California Privacy Notice provides additional information on how we manage Personal Information that we receive from consumers who are residents of California under the California Consumer Privacy Act of 2018 (“CCPA”). These rights may be limited in some circumstances by local law requirements.
When we use the term “Personal Information” in this Supplemental California Privacy Notice, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Any other terms defined in the CCPA have the same meaning when used in this Supplemental California Privacy Notice.
Please note that the definition of Personal Information does not include information that is publicly available, information that has been de-identified or aggregated, or information exempt from the purview of the CCPA, such as:
Please see above section “1. INFORMATION WE COLLECT”.
In the preceding twelve (12) months, we have collected the following categories of Personal Information from consumers, which we may have shared for a business purpose, as permitted or required by law:
Purpose for Collection
A real name, Internet Protocol address, email address, or other similar identifiers.
Purpose for Collection
Personal Information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
Some Personal Information included in this category may overlap with other categories.
Protected classification characteristics under California or federal law
Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
Records of personal property, commercial property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies; solar and energy usage information.
Genetic, physiological, behavioral, and biological characteristics or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
Physical location or movements.
Audio, electronic, visual, thermal, olfactory, or similar information.
Professional or employment- related information
Current or past job history or performance evaluations.
Purpose for Collection
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99))
Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
Inferences drawn from other Personal Information
Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
B. Purposes for Collection, Use, and Disclosure of Personal Information
Please see above section “2. HOW WE USE YOUR INFORMATION”.
We may also use or disclose your Personal Information in accordance with your consent, when required by law to do so, as permitted by law, or if it is necessary for a corporate transaction (such as a merger or acquisition).
C. Disclosure of Personal Information
D. California Rights and Choices under the CCPA
The CCPA provides California residents with certain rights regarding their Personal Information that is collected about them, subject to certain limitations at law. The following section describes your CCPA rights and explains how to exercise those rights.
Right to Access and Portability
California residents have the right to request that we disclose certain information about our collection and use of Personal Information in the preceding twelve (12) months. Once we receive and confirm your verifiable consumer request, in which we may have to gather further identifiable information in order to confirm your identity, we will disclose to you the following:
We will deliver a verifiable access request and the accompanying information to you in a portable, easily readable electronic format or by mail.
Right to Deletion
The CCPA allows California residents the right to request that we delete any Personal Information about you that we collect and retain, subject to certain exceptions described below. Once we receive and confirm your verifiable consumer request, in which we may have to gather further identifiable information in order to confirm your identity, we will delete (and in turn direct our service providers to delete, if applicable) your Personal Information from our records, unless an exception applies.
We may deny a deletion request if retaining the information is necessary to:
Right to Opt-Out of the Sale of Your Personal Information
We do not sell Personal Information and in the preceding twelve (12) months, have not sold any Personal Information.
You have the right to request to opt-out of the sale of your Personal Information to third parties. We will not sell Personal Information without providing you with prior notice and an opportunity to opt-out as required by law.
Submitting a Verifiable Consumer Request
To exercise the access and deletion rights under the CCPA as described above, please submit a verifiable consumer request by contacting us: Via Email to firstname.lastname@example.org, or by calling us at the toll-free number 800-675-0632.
For verification purposes, please provide your name, address, telephone number and email address. Further information may be required for verification.
A verifiable consumer request may be submitted by a California resident or a person registered with the California Secretary of State that is authorized to act on your behalf. These requests for access, which can only be made twice during a twelve-month period, and deletion must:
We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you.
Submitting a Request Through Your Authorized Agent
In order to submit a verifiable consumer request through an authorized agent, the authorized agent must identify that such request is being made through an authorized agent and provide all of the required information for a verifiable consumer request, as well as proof of authorization signed by the consumer who is the subject of the request. We may also contact the California consumer directly to verify the request.
Timeframe for Responding to Verifiable Consumer Requests
We will respond to your verifiable consumer request within forty-five (45) calendar days of receipt, after proper verification, unless we need additional time, in which case we will let you know.
The period of response may be extended to sixty (60) or ninety (90) days if more time is required. In that event, we will inform you of the reason and extension period in writing.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded.
The CCPA prohibits a business from discriminating against California residents for exercising the CCPA rights outlined above. We will not discriminate against you for submitting such requests.
No Financial Incentive
We do not offer any financial incentives or price or service differences in an attempt to influence a consumer’s decision whether or not to exercise a right afforded to the California consumer under the CCPA.
6. THIRD-PARTY CONTENT, LINKS, AND PLUG-INS
The Services may contain links to third parties who partner with us. If you use those links, these third parties may collect information about you. We do not control third-party links or how these third parties collect and use your Personal Information, and are not responsible for the practices of those third-parties. If you have any questions about their privacy practices, you should view their privacy policies and/or contact those third parties directly.
7. CHILDREN’S PRIVACY
Protecting children’s privacy is important to us. We do not direct the Services to, nor do we knowingly collect any Personal Information from, children under the age of sixteen. If you are a parent or guardian and believe your child has provided us with Personal Information without your consent, please contact us by using the information in the “Contact Information” section 10 below. If we learn that a child under the age of sixteen has provided Personal Information to the Services, we will use reasonable efforts to remove such Personal Information from our files.
8. DATA SECURITY
We have implemented measures designed to secure your information from accidental loss and from unauthorized access, use, alteration, and disclosure. We limit access to the Personal Information we have about you to those employees who have a legitimate business need to access such information. We use encryption technologies to safeguard your Personal Information. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to ensure the integrity and security of our network and systems, we cannot guarantee our security measures. Please remain careful and vigilant in your online activities.
10. CONTACT INFORMATION