Privacy Policy

Effective Date: March 1, 2025

Art Wood Mortgage, a division of Luminate Bank, values your privacy and is committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you visit www.artwoodmortgage.com or engage with us for mortgage-related services.

1. Information We Collect

a. Personal Information:
We may collect the following information when you inquire about a loan or submit an application:

  • Name

  • Email address

  • Phone number

  • Social Security number

  • Financial data (income, credit history, employment info)

  • Property and mortgage details

b. Non-Personal Information:
We also collect data through cookies and analytics tools, including:

  • IP address

  • Browser/device type

  • Pages visited and usage patterns

2. How We Use Your Information

We use the information to:

  • Process loan applications and verify identity

  • Communicate with you throughout the mortgage process

  • Comply with legal and regulatory requirements

  • Improve our website and service experience

  • Detect and prevent fraud or unauthorized access

3. How We Share Information

Your data may be shared with:

  • Luminate Bank and its authorized teams

  • Credit reporting agencies and underwriting service providers

  • Regulatory bodies as required by law

  • Third-party vendors under strict confidentiality agreements for website hosting, analytics, or IT support

We never sell your personal information to any third party.

4. How We Protect Your Data

We implement a combination of administrative, physical, and technical safeguards:

  • SSL encryption

  • Secure data storage and limited internal access

  • Ongoing monitoring and threat detection

However, no method of transmission is 100% secure, and we cannot guarantee absolute security.

5. Cookies and Analytics

Our website uses cookies to:

  • Remember user preferences

  • Track user behavior for site improvement

  • Measure traffic and performance

You can manage cookie settings in your browser preferences.

6. Your Privacy Rights

You have the right to:

  • Request access to your personal information

  • Correct or update your data

  • Request deletion of your data, when legally permissible

  • Opt out of certain communications

To exercise these rights, contact us at art@artwoodmortgage.com.

7. Children’s Privacy

Our services are intended for individuals over 18 years of age. We do not knowingly collect information from children under 18.

8. Third-Party Links

Our site may contain links to external sites. We are not responsible for the privacy practices or content of those sites.

9. Changes to This Policy

We may update this Privacy Policy periodically. When we do, we’ll revise the “Effective Date” at the top. Please review it regularly for updates.

10. Contact Information

For privacy-related questions or data requests, please contact:

Art Wood
Mortgage Loan Originator, NMLS #118234
📧 art@artwoodmortgage.com
📞 (404) 909-3567
📍 2323 Main Street, Suite A2, Tucker, GA 30084

Luminate Bank
NMLS #1281698
2523 S. Wayzata Blvd., Suite 100
Minneapolis, MN 55405
📞 (952) 939-7200

Additional information available at https://www.goluminate.com/privacy-policy.