Luminature
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Privacy Policy

At Luminature, we are committed to protecting the privacy and security of our customers’ personal information. This Privacy Policy explains how we collect, use, disclose, and protect the personal information we obtain from individuals who use our financial services. By using our services, you consent to the practices described in this Privacy Policy.

Luminature > Privacy Policy
Information We Collect

We may collect the following types of personal information from individuals:

  • Identifying Information: Name, address, email address, phone number, date of birth, and other similar information required to verify your identity. 

  • Financial Information: Bank account details, credit or debit card information, investment account information, transaction history, and other financial details necessary to provide our services. 

  • Employment Information: If you apply for employment with us, we may collect information such as your resume, employment history, educational background, and other relevant details.

  • Website Usage Information: We may collect information about your interactions with our website, including IP addresses, browser type, referring/exit pages, and operating system.
How We Use Your Information

We may use your personal information for the following purposes:

  • Providing Financial Services:o process transactions, open and manage accounts, provide customer support, and personalize your experience on our platform.

  • Verification and Security: To verify your identity, detect and prevent fraudulent activity, and maintain the security of our systems and your information.

  • Communication: To communicate with you about your accounts, transactions, updates, educational content, marketing offers (subject to your consent), and other important information related to our services.

  • Improving Services: To analyze usage patterns, improve our services and platform functionality, develop new products and offerings, and personalize your experience based on your preferences.

  • Compliance with Law:To comply with applicable laws, regulations, legal processes, and government requests.
Information Sharing

We may share your personal information with third parties under the following circumstances:

  • Service Providers:We may engage third-party vendors to assist with various tasks, such as data analysis, customer support, marketing, and technology services. These vendors are contractually obligated to maintain the confidentiality and security of your information and use it only for the purposes we specify.

  • Legal Requirements: We may disclose your personal information if required by law, legal processes, or to protect our rights, privacy, and safety, or that of our customers or others.

  • Business Transactions: In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of the transaction. We will notify you and obtain your consent if required by applicable law.
Data Security
  • Luminature implements industry-standard technical and organizational safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. However, please note that no security measures can guarantee absolute protection against unauthorized access or data breaches.
Data Retention
  • We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal and regulatory requirements, resolve disputes, and enforce our agreements. We will securely dispose of your information when it is no longer needed.
Your Rights

You have certain rights regarding your personal information under applicable data privacy laws. These may include the right to:

  • Access:Request access to and receive a copy of your personal information that we hold.

  • Correction:Request that we correct any inaccurate or incomplete information about you.

  • Deletion:Request that we delete your personal information, subject to any legal obligations or legitimate business purposes.

  • Restriction:Request to restrict the processing of your personal information under certain circumstances.

  • Objection:Object to the processing of your personal information for marketing purposes or on other grounds.

  • Withdrawal of Consent:If we rely on your consent to process your information, you have the right to withdraw that consent at any time.
Updates to the Privacy Policy:
We may update this Privacy Policy from time to time. We will notify you of any material changes through our website or other communication channels. It is recommended to review this policy periodically.
Contact Us:
If you have any questions, concerns, or requests regarding this Privacy Policy or the way we handle your personal information, please contact us at contact@luminature.co By using our financial services, you acknowledge that you have read, understood, and agree to the terms and conditions of this Privacy Policy.