Privacy Policy

Your privacy is important to me. This policy outlines how I collect, use, and protect your information.

This Privacy Policy governs the manner in which KMN LLC d/b/a WIRMS ("Luke Roasst," "I," "my") collects, uses, maintains, and discloses information collected from users (each, a "User") of the https://lukeroasst.com website ("Site"). This privacy policy applies to the Site and all products and services offered through it.

Personal Identification Information

I may collect personal identification information from Users in a variety of ways, including but not limited to when Users visit my Site, fill out a contact or loan inquiry form, use interactive tools such as calculators, subscribe to a newsletter, or engage with other activities, services, features, or resources I make available on my Site.

Users may be asked for, as appropriate, their name, email address, and phone number. Users may visit my Site anonymously. I will collect personal identification information from Users only if they voluntarily submit such information to me. Users can always refuse to supply personal identification information, except that it may prevent them from engaging in certain Site-related activities.

Non-Personal Identification Information

I may collect non-personal identification information about Users whenever they interact with my Site. Non-personal identification information may include the browser name, the type of device, technical information about the User's means of connection to my Site (such as the operating system and Internet service provider), and other similar information.

Analytics and Tracking

My Site may use analytics services (such as Vercel Analytics or similar tools) to collect anonymized usage data including page views, traffic sources, and general user behavior. This data helps me understand how Users interact with my Site and improve the experience.

I also use UTM parameters in links shared on social media and other channels to track which marketing efforts drive traffic to my Site. These parameters do not collect personal information — they simply identify which campaign or platform a visit originated from.

Web Browser Cookies

My Site may use "cookies" to enhance User experience. A User's web browser places cookies on their device for record-keeping purposes and sometimes to track information about them. Users may choose to set their web browser to refuse cookies or to alert them when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How I Use Collected Information

I may collect and use Users' personal information for the following purposes:

To respond to loan inquiries

Information you provide when submitting a loan inquiry or contact form helps me understand your financing needs and respond efficiently.

To personalize user experience

I may use information in the aggregate to understand how my Users as a group use the services and resources provided on my Site.

To improve my Site

I may use feedback you provide to improve my products and services.

To facilitate loan applications

I may use the information Users provide when submitting a loan inquiry to connect them with the appropriate loan application portal. I do not share this information with outside parties except to the extent necessary to facilitate the loan process.

To send periodic emails

If a User opts in to my mailing list, they will receive emails that may include company news, updates, related product or service information, market updates, or educational content. If at any time the User would like to unsubscribe from receiving future emails, I include detailed unsubscribe instructions at the bottom of each email, or the User may contact me via my Site.

Third-Party Loan Application Platforms

When you click "Apply Now" or similar links on my Site, you may be directed to third-party loan application platforms, including NodLOS (nodlos.app) for investment and business-purpose loans, and ARIVE (clientportal.mortgage) for consumer and owner-occupied loans. These platforms are operated independently and have their own privacy policies and terms of use.

I encourage you to review the privacy policies of any third-party platform before submitting personal or financial information. I am not responsible for the privacy practices of these external platforms.

How I Protect Your Information

I adopt appropriate data collection, storage, and processing practices and industry-standard security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information and data stored on my Site.

My Site uses SSL/TLS encryption to ensure data transmitted between your browser and my servers is secure.

Third-Party Websites

Users may find content on my Site that links to the sites and services of partners, lenders, suppliers, and other third parties. I do not control the content or links that appear on these sites and am not responsible for the practices employed by websites linked to or from my Site.

Browsing and interaction on any other website, including websites which have a link to my Site, is subject to that website's own terms and policies.

Children's Online Privacy Protection

Protecting the privacy of the very young is especially important. For that reason, I never knowingly collect or maintain information at my Site from those under 13, and no part of my website is structured to attract anyone under 13.

Changes to This Privacy Policy

I have the discretion to update this privacy policy at any time. When I do, I will revise the updated date at the bottom of this page. I encourage Users to frequently check this page for any changes to stay informed about how I am helping to protect the personal information I collect.

You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your Acceptance of These Terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use my Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contact Information

If you have any questions about this Privacy Policy, the practices of this Site, or your dealings with this Site, please contact me at:

Luke Roasst

KMN LLC d/b/a WIRMS

Chattanooga, TN

This document was last updated on March 4, 2026