Privacy Policy

We collect information that you provide directly to us when using our budgeting platform, as well as information automatically collected through your use of our services. This helps us provide personalized financial education and improve our platform's functionality.

We only collect information that's necessary to provide our budgeting education services and improve your learning experience. You can control much of this information through your account settings.

Your information helps us deliver effective budgeting education and personalized financial guidance. We use your data to create meaningful learning experiences tailored to your financial situation and goals.

Specifically, we use your information to provide our budgeting platform services, send educational content and platform updates, analyze usage patterns to improve our educational materials, respond to your support requests and questions, and maintain platform security and prevent fraud.

Our educational content recommendations are based on your expressed financial goals and the categories you're working to budget for. This helps us suggest relevant learning modules and budgeting strategies that align with your specific situation.

When you participate in our community features or forums, we use your interactions to foster helpful discussions about budgeting techniques while maintaining appropriate privacy protections for sensitive financial topics.

We limit information sharing to essential service providers and specific circumstances required by Australian law. Your financial data and personal learning progress remain confidential and are not shared for commercial purposes.

We may share your information with trusted service providers who help us operate our platform, such as cloud hosting services, email delivery platforms, and customer support systems. These partners are contractually bound to protect your information and use it only for specified purposes.

In certain legal circumstances, we may disclose information when required by Australian law, to protect our legal rights, prevent fraud, or ensure platform security. We'll notify you of such disclosures when legally permitted.

If lumarethiqovas is acquired by or merged with another company, your information may be transferred as part of that transaction. We'll provide notice and ensure your privacy rights are maintained under any new ownership.

Under the Australian Privacy Principles (APPs) and Privacy Act 1988, you have specific rights regarding your personal information. We're committed to helping you exercise these rights easily and transparently.

To exercise any of these rights, contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and work with you to address any concerns about how your information is handled.

If you're not satisfied with our response to your privacy concerns, you can contact the Office of the Australian Information Commissioner at oaic.gov.au or call 1300 363 992.

We implement comprehensive security measures to protect your financial information and personal data. Our platform uses industry-standard encryption and security protocols designed specifically for financial data protection.

Your data is encrypted both in transit and at rest using AES-256 encryption. We use secure HTTPS connections for all data transmission and employ firewalls and intrusion detection systems to monitor for unauthorized access attempts.

Access to your personal information is restricted to authorized lumarethiqovas staff who need it to provide support or maintain our services. Our team receives regular training on privacy protection and data security best practices.

We conduct regular security audits and vulnerability assessments to identify and address potential security risks. Our systems are monitored 24/7 for suspicious activity, and we have incident response procedures in place.

In the unlikely event of a data breach that affects your personal information, we'll notify you promptly and provide clear information about what happened, what information was involved, and what steps we're taking to address the situation.

We retain your information only as long as necessary to provide our services and meet legal requirements. Different types of information are kept for different periods based on their purpose and legal obligations.

When you delete your account, most of your personal information is removed immediately. However, some information may be retained for legal compliance, fraud prevention, or legitimate business purposes for up to seven years as required by Australian financial record-keeping regulations.

Anonymized usage data that can't be linked back to you may be retained indefinitely to help us improve our educational content and platform functionality. This data is aggregated and cannot be used to identify individual users.

If you want to delete specific information or your entire account, you can do so through your account settings or by contacting our support team. We'll guide you through the process and explain what information will be deleted and what may be retained for legal reasons.

We use cookies and similar technologies to enhance your experience on our platform and provide personalized budgeting recommendations. These technologies help us understand how you use our services and remember your preferences.

Essential cookies are necessary for basic platform functionality, such as keeping you logged in and maintaining your session security. These cookies don't collect personal information for advertising purposes.

Analytics cookies help us understand which educational content is most helpful and where users might be experiencing difficulties with our budgeting tools. This information helps us improve our platform and create better learning experiences.

You can control cookie settings through your browser preferences, though disabling certain cookies may affect platform functionality. We don't use third-party advertising cookies or tracking pixels for commercial advertising purposes.

While lumarethiqovas is based in Australia, some of our service providers may process your information outside Australia, including in the United States and Europe. We ensure these transfers comply with Australian privacy law requirements.

When we transfer your information internationally, we use appropriate safeguards such as standard contractual clauses, adequacy decisions, or certification schemes that provide equivalent privacy protection to Australian standards.

Our primary data storage remains within Australia where possible, with international transfers limited to specific operational needs like technical support or specialized services that aren't available locally.

You can request information about which countries your data may be transferred to and what safeguards are in place by contacting our privacy team.

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. When we make significant changes, we'll notify you through your account email or by posting a prominent notice on our platform.

Minor updates that don't affect your rights or how we handle your information may be posted without individual notification. We encourage you to review this policy occasionally to stay informed about our privacy practices.

The "Last Updated" date at the top of this policy indicates when the most recent changes were made. If you continue using our services after changes take effect, you're agreeing to the updated policy terms.

If you disagree with changes to our privacy policy, you can delete your account or contact us to discuss your concerns. We're committed to maintaining your trust and addressing privacy questions transparently.