Privacy Policy

Introduction and Overview

At luminarivexent, we understand that your privacy is fundamental to your trust in our financial forecasting platform. This comprehensive privacy policy explains how we collect, use, protect, and manage your personal information when you use our services at luminarivexent.sbs. We're committed to maintaining the highest standards of data protection while providing you with innovative financial forecasting tools.

Our privacy practices are designed to comply with applicable data protection laws and regulations, including those governing financial services in Malaysia. We believe transparency is essential, which is why we've created this detailed policy to help you understand exactly how your information is handled throughout your journey with luminarivexent.

Information We Collect

Personal Information

When you register for luminarivexent, we collect essential information needed to provide our financial forecasting services. This includes your name, email address, phone number, and business details. We also collect information about your financial goals, forecasting preferences, and industry sector to customize our services to your specific needs.

Usage and Technical Information

We automatically collect certain technical information when you use our platform. This includes your IP address, browser type, operating system, and device information. We also track how you interact with our forecasting tools, which features you use most, and how long you spend on different sections of the platform.

This technical data helps us improve our services, troubleshoot issues, and ensure optimal performance of our financial forecasting algorithms. We use cookies and similar technologies to enhance your experience and remember your preferences across sessions.

How We Use Your Information

Service Delivery and Enhancement

Your personal information is primarily used to deliver and improve our financial forecasting services. We use your data to generate accurate forecasts, provide personalized recommendations, and ensure our platform meets your specific business needs. This includes processing your financial data through our algorithms and presenting results in formats that are most useful to you.

Legal and Compliance Purposes

We may use your information to comply with legal obligations, respond to lawful requests from authorities, and protect our rights and the rights of our users. This includes maintaining records as required by financial regulations and cooperating with regulatory investigations when legally required.

Data Sharing and Disclosure

Service Providers and Partners

We work with trusted third-party service providers to deliver our forecasting services effectively. These partners include cloud hosting providers, payment processors, and analytics services. All third parties are contractually bound to protect your information and can only use it for the specific purposes we authorize.

We carefully vet all service providers to ensure they meet our strict security and privacy standards. We never sell your personal information to third parties for marketing purposes, and we maintain strict controls over how our partners can access and use your data.

Legal Requirements

We may disclose your information when required by law, such as in response to court orders, regulatory requests, or to protect against fraud and security threats. We will always notify you of such requests unless legally prohibited from doing so.

Data Security and Protection

Technical Safeguards

We implement comprehensive security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. Our security infrastructure includes encryption at rest and in transit, regular security audits, and strict access controls. All financial data is encrypted using industry-standard AES-256 encryption.

Access Controls

Access to your personal information is strictly limited to authorized personnel who need it to provide our services. All employees undergo background checks and sign confidentiality agreements. We maintain detailed logs of all data access and regularly review these logs for any unusual activity.

Your Rights and Choices

Data Access and Portability

You have the right to access, review, and download your personal information stored on our platform. You can request a complete copy of your data in a structured, machine-readable format. This includes all forecasting data, account settings, and historical usage information.

To exercise these rights, simply contact us using the information provided at the end of this policy. We will respond to your request within 30 days and provide clear instructions on how to access or transfer your data.

Data Correction and Deletion

You can update or correct your personal information at any time through your account settings. If you want to delete your account and all associated data, you can request account deletion, and we will remove your information within 60 days, subject to legal retention requirements.

Data Retention and Storage

Retention Periods

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Account information is typically retained for the duration of your subscription plus seven years for financial record-keeping purposes. Usage data and analytics are retained for three years to improve our services.

Secure Deletion

When data reaches the end of its retention period, we securely delete it using industry-standard methods that make recovery impossible. This includes overwriting storage media and destroying physical backups according to established security protocols.

International Data Transfers

While luminarivexent operates primarily in Malaysia, we may transfer your data to other countries for processing and storage. When we do so, we ensure appropriate safeguards are in place to protect your information, including using standard contractual clauses and ensuring adequate protection levels.

All international transfers are conducted in accordance with applicable data protection laws and regulations. We regularly review and update our transfer mechanisms to ensure continued compliance with evolving legal requirements.

Cookie Policy

Our website uses cookies and similar technologies to enhance your experience and provide personalized services. We use both session cookies that expire when you close your browser and persistent cookies that remain on your device for a specified period.

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some features of our platform. We use cookies for authentication, preference storage, and analytics purposes.

Children's Privacy

luminarivexent's services are designed for business use and are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover that we have collected information from a child, we will delete it immediately.

If you believe we have inadvertently collected information from a minor, please contact us immediately so we can take appropriate action to remove the information from our systems.

Policy Updates

We may update this privacy policy from time to time to reflect changes in our practices, legal requirements, or service offerings. We will notify you of significant changes through email or prominent notices on our platform. The updated policy will be effective immediately upon posting.

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after policy updates constitutes acceptance of the revised terms.