Last updated: March 16, 2026
Luminth ("we," "us," or "our") operates the website luminth.com (the "Site"). This Privacy Policy explains what information we collect, how we use it, and your rights regarding that information. We are committed to protecting your privacy and being transparent about our data practices.
By using Luminth, you agree to the collection and use of information in accordance with this policy.
All calculator inputs (such as home price, interest rate, loan term, and down payment) are processed entirely within your browser. We do not transmit, store, or log any values you enter into our calculators. Your financial data never leaves your device.
We may collect non-personally identifiable information about how visitors use the Site, including pages visited, time spent on pages, browser type, operating system, and referring URLs. This data is collected in aggregate and cannot be used to identify you individually.
We may use cookies and similar tracking technologies to improve your experience on our Site. Cookies are small data files stored on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. If you do not accept cookies, some portions of our Site may not function properly.
If you contact us by email at keegan@luminth.com, we will retain the content of your message and your email address in order to respond to you. We do not add you to any mailing lists without your explicit consent.
We do not sell, trade, or otherwise transfer your personal information to outside parties.
We may use third-party services such as Google Analytics and Google AdSense. These services may collect information about your visits to our Site and other websites in order to provide relevant advertisements and analytics. Their use of your information is governed by their respective privacy policies:
We use Google AdSense to display advertisements on this Site. Google AdSense uses cookies and similar tracking technologies to serve ads based on your prior visits to this Site and other websites across the internet. This means Google may show you personalised ads based on your browsing history and interests.
You can opt out of personalised advertising at any time by visiting Google's Ad Settings. You may also opt out through the Network Advertising Initiative opt-out page. If you opt out, you will still see ads, but they will not be personalised based on your interests.
You may opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
We implement commercially reasonable technical and organisational measures to protect the information we hold. However, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee absolute security.
Our Site is not directed to children under the age of 13. We do not knowingly collect personally identifiable information from children. If you believe we have inadvertently collected such information, please contact us immediately so we can delete it.
Our Site may contain links to third-party websites. We have no control over the content or privacy practices of those sites and assume no responsibility for them. We encourage you to review the privacy policy of any site you visit.
We may update this Privacy Policy from time to time. We will notify you of any significant changes by updating the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of the Site after any changes constitutes your acceptance of the new policy.
If you have any questions about this Privacy Policy, please contact us at: