Legal
Privacy Policy
Last updated: July 2026. This is a draft for review.
Overview
This Privacy Policy explains how Lumea Financial, operated by Key 2 Debt Free LLC ("we," "us"), collects and uses information when you use our website or services. This is a first-draft policy and should be reviewed by legal counsel before launch.
Information we collect
We collect information you provide directly, such as your name, email, phone number, and details about your student loans and financial situation that you share through our forms or during a consultation. We also collect basic technical information automatically, such as your device and general usage data.
How we use your information
We use your information to respond to your inquiry, evaluate your options, provide our services, and communicate with you. We do not sell your personal information.
How we share your information
We share your information only as needed to provide the services you request (for example, with your authorization, to help prepare and submit applications), with service providers who support our operations, or as required by law. We do not share your information with third parties for their own marketing.
Your FSA ID and sensitive data
We will never ask for your StudentAid.gov (FSA ID) username or password. We handle any sensitive information you do provide with care and limit access to what is necessary to perform the services you request.
Data retention and security
We retain your information for as long as needed to provide services and meet legal obligations, and we use reasonable measures to protect it. No method of transmission or storage is completely secure.
Your choices
You may request access to, correction of, or deletion of your personal information, and you may opt out of marketing communications at any time, by contacting us.
Contact
Questions about this policy? Contact us at info@lumeafinancial.com or (866) 952-5455.