Privacy Policy

Effective Date: 12/05/2025
Last Updated: 01/13/2026

LumoraClear Inc. ("LumoraClear," "we," "us," or "our") respects your privacy and is committed to protecting your personal and health information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you use our website, mobile application, and related services (collectively, the "Services").

Privacy Policy Snapshot (At-a-Glance)

This summary follows the ONC Model Privacy Notice (MPN) and CARIN Alliance standards to provide you with clear transparency on how LumoraClear handles your health data.

Practice	Our Policy	Details
Selling Data	NO	We never sell your personal or health data to anyone.
Advertising	NO	We do not use your health info for marketing or ads.
Data Access	User-Authorized	We only access data you explicitly authorize us to pull via secure APIs for your benefit.
Security	Bank-Grade	We use AES-256 encryption at rest and TLS 1.2+ in transit.
Deletion	On-Demand	You can delete your account and all data at any time.

A. Information You Provide

We may collect information you provide directly, including:

Full name
Email address
Phone number
Date of birth
Insurance information (payer name, member ID)
Uploaded medical bills or explanations of benefits (EOBs)
Communications with us (support requests, emails)

B. Health Information

With your authorization, we may collect protected health information (PHI) such as:

Medical billing data
Claims and EOB data
CPT, HCPCS, diagnosis, and related billing information
Coverage, deductible, and out-of-pocket details

C. Automatically Collected Information

When you use our Services, we may automatically collect:

IP address
Device type and operating system
Browser type
Usage data and logs
Cookies and similar tracking technologies

2. How We Use Your Information

We use information we collect to:

Provide, operate, and improve our Services
Retrieve, analyze, and organize medical billing and insurance data
Identify potential billing discrepancies or errors
Display coverage, deductible, and out-of-pocket information
Communicate with you about your account or updates
Comply with legal, regulatory, and payer requirements
Maintain security, prevent fraud, and ensure system integrity

3. Authorization & Consent

By using LumoraClear, you authorize us to access, use, and store your health and insurance information solely on your behalf and for your benefit, in accordance with:

HIPAA
Applicable state privacy laws
Payer and insurance data-access requirements

You may revoke your authorization at any time by contacting us, subject to legal and operational limitations.

4. How We Share Information

We do not sell your personal or health information.

We may share information only:

With insurance companies or data partners at your direction and with your authorization
With service providers that help us operate our platform (e.g., cloud hosting, security vendors), under strict confidentiality agreements
If required by law, court order, or regulatory authority
To protect the rights, safety, and security of LumoraClear and our users

5. HIPAA Compliance

LumoraClear implements administrative, technical, and physical safeguards designed to protect PHI in compliance with HIPAA where applicable. Access to PHI is restricted to authorized personnel and systems only.

6. Data Security

We use industry-standard security measures including:

Encryption in transit and at rest
Secure authentication and access controls
Regular monitoring and auditing
Limited access to sensitive data on a need-to-know basis

Despite our efforts, no system can be guaranteed 100% secure.

7. Data Retention

We retain personal and health information only as long as necessary to:

Provide our Services
Comply with legal, regulatory, and payer obligations
Resolve disputes and enforce agreements

You may request deletion of your account and data, subject to legal retention requirements.

8. Your Rights

Depending on your jurisdiction, you may have the right to:

Access your personal information
Request correction of inaccurate data
Request deletion of your data
Withdraw consent
Receive a copy of your information

Requests can be made by contacting us using the information below.

9. Children's Privacy

LumoraClear is not intended for individuals under 18 years of age. We do not knowingly collect information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.

11. Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact us at:

LumoraClear Inc.

Email: yusuf.isa@lumoraclear.com

Website: https://www.lumoraclear.com