Last Updated: March 20, 2026
Lumos Real Estate Investments, LLC ("Lumos," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
Information We Collect
Personal Information
We may collect personal information that you voluntarily provide to us when you:
- Submit a contact form or loan application
- Request information about our services
- Subscribe to our communications
- Engage with us in any business transaction
This information may include:
- Name and contact information (email, phone number, mailing address)
- Business information (company name, industry, revenue)
- Financial information (assets, liabilities, credit history)
- Property information (address, value, use)
- Any other information you choose to provide
Automatically Collected Information
When you visit our website, we may automatically collect certain information about your device and usage, including:
- IP address and browser type
- Pages viewed and time spent on pages
- Referring website and search terms
- Device identifiers and operating system
How We Use Your Information
We use the information we collect to:
- Process and evaluate loan applications and financing requests
- Communicate with you about our services and your inquiries
- Send marketing and promotional communications (with your consent)
- Improve our website and service offerings
- Comply with legal obligations and industry regulations
- Protect against fraud and unauthorized transactions
- Maintain business records and manage client relationships
SMS & Text Message Communications
Text Messaging Program
By providing your mobile phone number and expressly consenting via our contact form, you agree to receive recurring marketing and promotional SMS/MMS messages from Lumos Real Estate Investments, LLC, including offers, updates, and information about our financial products and services. These messages may be sent using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies. You may receive up to 4 messages per month, though the actual number may be higher or lower depending on your interaction with us.
Message and Data Rates: Message and data rates may apply depending on your mobile carrier's plan. Please consult your carrier for details.
Opt-Out Instructions: You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. Upon sending STOP, you will receive a confirmation message, and no further messages will be sent unless you re-subscribe.
Help Instructions: For assistance or questions about our text messaging program, reply HELP to any message or contact us at james@lumosrealestateinvestments.com.
Consent Not Required for Purchase: Consent is NOT a condition of purchase. You may choose to receive information by other means such as email, phone, or mail.
Supported Carriers: Supported carriers include AT&T, T-Mobile, Verizon Wireless, Sprint, and other major U.S. carriers. Carrier fees and availability may vary.
Sharing of Information
Third-Party Service Providers
We may share your information with trusted third-party service providers who assist us in operating our business, including:
- Credit bureaus and financial institutions (for loan underwriting)
- Title companies and appraisers (for property transactions)
- Technology and data hosting providers
- Professional advisors (attorneys, accountants)
These third parties are contractually obligated to use your information only as necessary to provide services to us and to protect your information in accordance with this Privacy Policy.
Legal and Regulatory Compliance
We may disclose your information when required by law, regulation, legal process, or governmental request, or when we believe disclosure is necessary to:
- Comply with applicable laws and regulations
- Respond to subpoenas or court orders
- Protect our rights, property, or safety
- Prevent fraud or illegal activity
Business Transfers
In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the acquiring entity, subject to the same privacy protections.
Mobile Opt-In Data Sharing
Important: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Data Security
We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:
- Encryption of sensitive data in transit and at rest
- Secure servers with restricted access
- Regular security audits and vulnerability assessments
- Employee training on data protection and privacy practices
However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
Your Privacy Choices
Marketing Communications
You may opt out of receiving marketing emails by clicking the "unsubscribe" link in any promotional email we send. You may opt out of text messages by replying STOP. Even if you opt out of marketing communications, we may still send you transactional or administrative messages related to your account or services.
Access and Correction
You have the right to access, correct, or update your personal information. To do so, please contact us at james@lumosrealestateinvestments.com.
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we will securely delete or anonymize it.
Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child without parental consent, we will delete that information immediately.
Third-Party Websites
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically.
Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
Lumos Real Estate Investments, LLC
4243 Irvington Ave
Jacksonville, FL 32210
Email: james@lumosrealestateinvestments.com