Privacy Policy

1. Introduction

Lumina AI ("we", "us", "our") provides an AI-driven data analysis platform designed to support income diversification and risk management for working professionals. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website, use our services, or otherwise interact with us. By accessing or using our services, you agree to the practices described in this policy.

2. Information We Collect

We may collect the following categories of information:

• Account information — name, email address, password, and other details provided when you register for an account or request a trial.
• Usage data — information about how you interact with our platform, including pages visited, features used, and timestamps.
• Device and technical data — IP address, browser type, operating system, and similar diagnostic information.
• Communications — information you provide when contacting support, submitting forms, or corresponding with us.
• Financial or professional inputs — data you voluntarily submit for analysis purposes within the platform, where applicable.

3. How We Use Information

Information we collect may be used to:

• Provide, operate, and maintain our services;
• Personalize and improve the user experience;
• Communicate with you regarding updates, support requests, or account matters;
• Monitor usage patterns for security and performance purposes;
• Comply with legal obligations and enforce our terms.

4. Legal Basis for Processing

Where applicable data protection law requires a legal basis for processing personal data, we rely on one or more of the following: your consent, the necessity of processing to perform a contract with you, compliance with a legal obligation, or our legitimate interests in operating and improving our services, balanced against your rights.

5. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to recognize your browser, remember preferences, and analyze site traffic. You can control cookie settings through your browser preferences; disabling cookies may affect certain site functionality.

6. Sharing of Information

We do not sell personal information. We may share information with:

• Service providers who perform functions on our behalf, such as hosting, analytics, or customer support, under confidentiality obligations;
• Legal and regulatory authorities where disclosure is required by law or to protect our rights, safety, or property;
• Business transfers, in connection with a merger, acquisition, or sale of assets, subject to appropriate safeguards.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods may vary depending on the type of information and applicable requirements.

8. Data Security

We implement reasonable technical and organizational measures designed to protect information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Your Rights and Choices

Depending on your jurisdiction, you may have the right to:

• Access, correct, or delete personal information we hold about you;
• Object to or restrict certain types of processing;
• Request a copy of your data in a portable format;
• Withdraw consent where processing is based on consent;
• Lodge a complaint with a relevant data protection authority.

To exercise any of these rights, please contact us using the details provided on our Contact page.

10. International Data Transfers

If your information is transferred to or processed in a country other than your own, we will take reasonable steps to ensure it receives an adequate level of protection consistent with this policy and applicable law.

11. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those third parties, and we encourage you to review their respective privacy policies.

12. Children's Privacy

Our services are intended for working professionals and are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided information to us, please contact us so we can take appropriate action.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. The updated version will be indicated by a revised "Last updated" date and will take effect upon posting.

14. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please reach out via the details listed on our Contact page.