Privacy Policy
Introduction
lumerosavia ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and safeguard your information when you use our financial education platform and services.
This policy applies to all users of lumerosavia.com and our associated services. By using our platform, you consent to the data practices described in this policy. We encourage you to read this document carefully and contact us if you have any questions.
Information We Collect
Personal Information
We collect information you provide directly to us, including:
- Contact Details: Name, email address, phone number, and postal address
- Account Information: Username, password, and profile preferences
- Educational Background: Professional experience, qualifications, and learning goals
- Payment Information: Billing address and payment method details (processed securely through third-party providers)
Automatically Collected Information
When you interact with our platform, we automatically collect certain information:
- Usage Data: Pages visited, time spent on platform, course progress, and learning activities
- Technical Information: IP address, browser type, device information, and operating system
- Cookies and Tracking: Information collected through cookies, web beacons, and similar technologies
How We Use Your Information
We use the information we collect for various legitimate business purposes:
| Purpose | Legal Basis |
|---|---|
| Provide and improve our educational services | Contract performance and legitimate interests |
| Process payments and manage subscriptions | Contract performance |
| Send educational updates and course recommendations | Legitimate interests and consent |
| Respond to customer inquiries and support requests | Contract performance and legitimate interests |
| Ensure platform security and prevent fraud | Legitimate interests and legal obligations |
| Comply with legal and regulatory requirements | Legal obligations |
Information Sharing and Disclosure
We do not sell or rent your personal information to third parties. However, we may share your information in the following circumstances:
Service Providers: We work with trusted third-party service providers who assist us in operating our platform, processing payments, sending communications, and analyzing usage data. These providers are contractually bound to protect your information.
We may also disclose your information if required by law, to protect our rights, or in connection with a business transaction such as a merger or acquisition. In such cases, we will ensure appropriate safeguards are in place to protect your privacy.
Your Privacy Rights
Under Australian privacy law and other applicable regulations, you have several rights regarding your personal information:
Access Right
You can request access to the personal information we hold about you, including details about how we use it.
Correction Right
You can request correction of inaccurate or incomplete personal information we hold about you.
Deletion Right
You can request deletion of your personal information, subject to certain legal and contractual obligations.
Portability Right
You can request a copy of your personal information in a commonly used, machine-readable format.
Objection Right
You can object to certain types of processing, including direct marketing communications.
Complaint Right
You can lodge a complaint with the Australian Privacy Commissioner if you believe we've breached your privacy.
Data Security and Retention
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include:
- Encryption: Data is encrypted both in transit and at rest using industry-standard protocols
- Access Controls: Strict access controls ensure only authorized personnel can access personal information
- Regular Audits: We conduct regular security assessments and updates to our systems
- Secure Infrastructure: Our platform is hosted on secure, regularly monitored servers
Data Retention: We retain your personal information only as long as necessary to provide our services and fulfill the purposes outlined in this policy. Account information is typically retained for the duration of your relationship with us, plus a reasonable period afterward to comply with legal obligations. You can request deletion of your account and associated data at any time.
Cookies and Tracking Technologies
Our platform uses cookies and similar technologies to enhance your user experience, analyze usage patterns, and provide personalized content. You can manage cookie preferences through your browser settings, though this may affect some platform functionality.
Types of Cookies We Use
- Essential Cookies: Required for basic platform functionality and security
- Performance Cookies: Help us understand how users interact with our platform
- Functional Cookies: Remember your preferences and personalize your experience
- Analytics Cookies: Provide insights into platform usage and help us improve our services
International Data Transfers
While we primarily process data within Australia, some of our service providers may be located overseas. When we transfer personal information internationally, we ensure appropriate safeguards are in place, including:
- Ensuring recipient countries have adequate privacy protections
- Using standard contractual clauses approved by relevant authorities
- Implementing additional security measures where necessary
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will notify users through email or prominent notices on our platform.
We encourage you to review this policy regularly to stay informed about how we protect your privacy. The "Last Updated" date at the top of this policy indicates when it was most recently revised.
Children's Privacy
Our services are designed for adults and we do not knowingly collect personal information from children under 18 years of age. If we discover that we have collected information from a child under 18, we will delete that information promptly.