Privacy Policy

This policy applies to HUD PowerBid websites, applications, subscription services, and support interactions. HUD PowerBid operates under the Powered by Luminos name.

Account information includes your name, email address, authentication records, role, selected market, and account preferences.

Billing information includes subscription status, Stripe customer and subscription identifiers, payment dates, invoice status, and limited payment details returned by Stripe. Stripe processes full payment card information. HUD PowerBid does not store full card numbers.

User content includes uploaded HUD inventory, property records, bid information, counteroffers, underwriting assumptions, comparable properties, repair estimates, investor records, notes, reports, alerts, and other information you enter.

Public source information includes accepted HUD bid results, property addresses, case numbers, purchaser types, broker names, award dates, and HUD net amounts displayed through public government property services.

Technical information includes device, browser, network, log, session, error, security, and usage data generated when you use the service.

We use information to provide accounts, process subscriptions, import inventory, produce analyses, manage bid workflows, create reports, send requested alerts, provide support, prevent fraud, secure the service, diagnose errors, meet legal duties, and improve performance.

We do not sell personal information. We do not use personal information for targeted advertising.

We disclose information to service providers supporting hosting, authentication, database services, payments, email, analytics, security, file processing, and artificial intelligence features. These providers process information for the services they perform.

For purchases processed through Stripe Managed Payments, Stripe acts as merchant of record and receives the billing, contact, location, tax, fraud, dispute, and transaction information needed to process and support the purchase under its own privacy terms. Uploaded content sent to an artificial intelligence feature may be processed by the provider supporting the requested feature.

We may disclose information when required by law, legal process, fraud prevention, security protection, enforcement of agreements, business transfers, or with your direction or consent.

We retain account, subscription, and user content while your account remains active and for a reasonable period afterward for legal, security, backup, dispute, and operational purposes. Financial records may remain longer when tax or accounting law requires retention.

Deletion from active systems may not remove information immediately from backups, fraud records, legal holds, or records required by law.

We use administrative, technical, and organizational safeguards designed to protect personal information. No online service provides absolute security. You must protect your password and report suspected unauthorized access promptly.

You may review or update account information through the service. You may cancel recurring billing through the Stripe billing portal in your Account page.

Depending on your location and applicable law, you may request access, correction, deletion, portability, restriction, or an appeal of a privacy decision. You may also opt out of certain processing where applicable. We may verify your identity before completing a request.

Submit a privacy request through the support contact shown in your account or on your Stripe receipt. Include the email connected to your subscription and describe the request.

The service uses cookies, tokens, and similar storage needed for authentication, security, preferences, session continuity, and service operation. Blocking required storage may prevent login or other features from working.

HUD PowerBid is a business service for adults. We do not knowingly collect personal information from children under 13. Contact us if you believe a child provided personal information.

HUD PowerBid operates in the United States. Information may be processed in the United States and other locations where service providers operate, subject to applicable safeguards.

We may update this policy as the service, providers, and legal requirements change. We will post the updated effective date and provide additional notice when required.

Send privacy questions through the support contact shown in your account or on your Stripe receipt. Identify HUD PowerBid in your request.