Information We Collect

We collect different types of information depending on how you use our services. Some information you give us directly, while other data is collected automatically as you browse our site.

Information You Provide

When you sign up for our financial awareness programs or contact us, you might share:

• Your name, email address, and phone number
• Demographic information like age range and location
• Financial literacy goals and areas of interest
• Payment information for paid services
• Feedback, survey responses, and correspondence

Automatically Collected Data

Our systems automatically gather certain technical information to improve your experience:

• IP address and general location data
• Browser type, device information, and operating system
• Pages visited, time spent, and navigation patterns
• Referral sources and search terms used
• Cookie data and similar tracking technologies

How We Use Your Information

We use the information we collect for specific, legitimate purposes. Here's what we do with your data and why it matters.

Data Sharing and Disclosure

We limit data sharing to essential partners who help us deliver our services. Every third party we work with is contractually bound to protect your information.

Service Providers

We share data with trusted vendors who assist with:

• Payment processing and transaction management
• Email delivery and communication platforms
• Cloud hosting and data storage services
• Analytics and performance monitoring tools
• Customer support and help desk systems

Legal Requirements

We may disclose information when legally required to do so, such as responding to valid court orders, government requests, or protecting against fraud and security threats. We'll notify you of such requests unless prohibited by law.

Business Transfers

If lumaquilex is acquired or merged with another entity, your information may be transferred as part of that transaction. You'll receive notice before your data is transferred or becomes subject to different privacy practices.

Your Privacy Rights

Australian privacy law gives you significant control over your personal information. Here are the rights you can exercise at any time.

To exercise any of these rights, email us at contact@lumaquilex.com with your request. We'll verify your identity and respond promptly.

Data Security and Protection

We implement multiple layers of security to protect your information from unauthorized access, alteration, or destruction.

Technical Safeguards

• Industry-standard encryption for data transmission and storage
• Regular security audits and vulnerability assessments
• Secure authentication protocols and password requirements
• Firewall protection and intrusion detection systems
• Restricted employee access based on job function

Organizational Measures

Our team receives regular privacy training, and we maintain strict internal policies about data handling. We conduct annual reviews of our security practices and update procedures as new threats emerge.

Data Retention and Storage

We keep your information only as long as necessary for the purposes outlined in this policy.

Retention Periods

• Active account data: Retained while your account remains open
• Financial records: Seven years as required by Australian tax law
• Marketing communications: Until you unsubscribe or request deletion
• Technical logs: 90 days unless needed for security investigations
• Support correspondence: Three years after case closure

When data is no longer needed, we securely delete or anonymize it. Anonymized data may be retained indefinitely for statistical analysis and service improvement.

Storage Location

Your data is primarily stored on servers located in Australia. Some service providers may store backup copies overseas, but all transfers comply with Australian Privacy Principles and include appropriate safeguards.

Cookies and Tracking

We use cookies and similar technologies to enhance your browsing experience and understand how people use our site.

Types of Cookies We Use

• Essential cookies: Required for site functionality and security
• Preference cookies: Remember your settings and choices
• Analytics cookies: Help us understand site usage and performance
• Marketing cookies: Deliver relevant content based on your interests

You can control cookie settings through your browser preferences. Disabling certain cookies may limit some site features, but essential functionality will remain available.

Children's Privacy

Our services are designed for adults aged 18 and over. We don't knowingly collect information from anyone under 18 without parental consent.

If you're a parent who believes your child has provided us with personal information, contact us immediately. We'll delete the information within 24 hours of verification.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. The date at the top shows when we last revised it.

Significant changes will be announced via email and a prominent notice on our site at least 30 days before they take effect. Your continued use after changes become effective means you accept the updated terms.

Complaints and Disputes

If you have concerns about how we handle your information, start by contacting us directly. We'll investigate and respond within 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner:

• Website: oaic.gov.au
• Phone: 1300 363 992
• Mail: GPO Box 5218, Sydney NSW 2001