Privacy Policy
Last updated: November 2, 2026
Lumen Holdings, LLC and its subsidiaries, including Lumen Risk Services and Lumen Select (collectively, "Lumen," "we," "us," or "our"), respect your privacy. This Privacy Policy explains how we collect, use, and protect information when you visit lumenrisk.com, use our online platforms (including KURRENT), or receive text (SMS) messages from us.
Information We Collect
- Contact information you provide to us, such as your name, email address, business information, and mobile phone number.
- Account and authentication information, such as your username and the mobile phone number you register for multi-factor authentication (MFA).
- Technical information collected automatically when you use our websites and platforms, such as IP address, browser type, device information, and access logs.
How We Use Information
- To provide, operate, and secure our websites and platforms.
- To verify your identity, including sending one-time passcodes by SMS for multi-factor authentication.
- To respond to your inquiries and communicate with you about your account.
- To comply with legal, regulatory, and insurance licensing obligations.
- To detect, prevent, and investigate fraud, security incidents, and misuse.
SMS / Text Messaging
If you provide a mobile phone number for multi-factor authentication or account security, we use it only to send you verification codes and account security messages. Message frequency varies based on your sign-in activity. Message and data rates may apply. Reply STOP to opt out or HELP for help. See our Terms & Conditions for full SMS program terms.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. Information may be shared only with subcontractors who provide services on our behalf, such as SMS delivery providers, solely to deliver the messages you have requested.
How We Share Information
We do not sell your personal information. We may share information only:
- With service providers that help us operate our business (for example, hosting, identity, and messaging providers), who are bound to use it only to provide services to us;
- With insurance carriers, reinsurers, and producing brokers as necessary to underwrite and administer insurance programs;
- When required by law, regulation, subpoena, or other legal process, or to protect the rights, property, or safety of Lumen, our users, or others; and
- In connection with a merger, acquisition, financing, or sale of all or part of our business.
Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
Data Retention
We retain information for as long as needed to provide our services and to meet legal, regulatory, and business record-keeping requirements.
Your Choices
You may opt out of SMS messages at any time by replying STOP. You may request access to, correction of, or deletion of your personal information by contacting us using the details below, subject to applicable law and our record-keeping obligations.
Children's Privacy
Our websites and services are not directed to children under 13, and we do not knowingly collect personal information from children.
Changes to This Policy
We may update this Privacy Policy from time to time. The "Last updated" date above shows when it was last revised.
Contact Us
Lumen Holdings, LLC
Dallas, Texas
Email: info@lumenrisk.com
Phone: 888-453-1179