Privacy Policy

1. Introduction

This Privacy Policy describes how Lumi5 Labs ("we," "us," or "our") collects, uses, and protects your personal information when you use our financial services platform. We are committed to protecting your privacy and handling your data in an open and transparent manner.

2. Information We Collect

Personal Information

We may collect the following types of personal information:

• Name, email address, phone number, and postal address
• Date of birth and government-issued identification numbers
• Financial account information and transaction data
• Employment information and income details
• Investment preferences and risk tolerance

Technical Information

• IP address, browser type, and device information
• Usage data and platform interaction patterns
• Cookies and similar tracking technologies
• Log files and analytics data

3. How We Use Your Information

We use your information for the following purposes:

• Providing and maintaining our financial services
• Processing transactions and managing your account
• Conducting identity verification and fraud prevention
• Personalizing your user experience and investment recommendations
• Communicating with you about your account and our services
• Complying with legal and regulatory requirements
• Improving our platform and developing new features
• Marketing our services (with your consent where required)

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following limited circumstances:

• Service Providers: Third-party companies that help us operate our platform
• Financial Institutions: Banks and brokers to facilitate transactions
• Legal Requirements: When required by law, regulation, or court order
• Business Transfers: In connection with mergers, acquisitions, or asset sales
• Consent: When you have given explicit permission

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Regular security assessments and penetration testing
• Access controls and employee training
• Monitoring for suspicious activities
• Incident response procedures

6. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Specific retention periods vary based on the type of information and applicable regulations. Financial records may be retained for up to 7 years or as required by law.

7. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights:

• Access: Request copies of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data to another service
• Objection: Object to certain processing activities
• Restriction: Request restriction of processing
• Opt-out: Unsubscribe from marketing communications

8. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These technologies help us:

• Remember your preferences and settings
• Analyze platform usage and performance
• Provide personalized content and recommendations
• Ensure platform security and prevent fraud

You can control cookie preferences through your browser settings, but disabling certain cookies may affect platform functionality.

9. Third-Party Services

Our platform may integrate with third-party financial institutions and service providers. These third parties have their own privacy policies, and we encourage you to review them. We are not responsible for the privacy practices of third-party services.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards to protect your information.

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information promptly.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our platform and updating the "Last updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.

13. Regulatory Compliance

We comply with applicable privacy and financial regulations, including but not limited to GDPR, CCPA, and financial privacy laws. We may update our practices to comply with new or changed regulations.

14. Contact Us