Privacy Policy

Introduction

Welcome to luminesquentora's Privacy Policy. This document explains how we collect, use, protect, and share information about you when you visit our website at luminesquentora.sbs or use our financial strategy services. We're committed to protecting your privacy and being transparent about our data practices.

By using our services, you agree to the collection and use of information in accordance with this policy. We encourage you to read this policy carefully to understand how we handle your personal information.

Information We Collect

We collect several types of information from and about users of our services:

• Contact Information: Name, email address, phone number, and mailing address
• Account Information: Username, password, and account preferences
• Financial Information: Business revenue data, financial goals, and investment preferences
• Communication Records: Records of your communications with us, including emails and phone calls
• Technical Information: IP address, browser type, operating system, and device information
• Usage Data: Information about how you use our website and services

We also collect information automatically through cookies and similar technologies when you visit our website. This includes your browsing behavior, pages visited, and time spent on our site.

How We Use Your Information

We use the information we collect for various purposes related to providing and improving our financial strategy services:

We may also use your information to send you marketing communications about our services, but only if you've given us permission to do so. You can opt out of these communications at any time.

Information Sharing and Disclosure

We don't sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:

• Service Providers: We may share information with trusted third-party service providers who help us operate our business, such as payment processors, email service providers, and analytics platforms
• Legal Requirements: We may disclose information if required by law, regulation, or court order
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity
• Protection of Rights: We may share information to protect our rights, property, or safety, or that of our users or others
• Consent: We may share information with your explicit consent for specific purposes

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security measures include:

• Encryption of data in transit and at rest using industry-standard protocols
• Regular security assessments and vulnerability testing
• Access controls and authentication measures for our systems
• Employee training on data protection and privacy practices
• Secure data centers with physical and electronic security measures
• Regular backup and disaster recovery procedures

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we continuously work to improve our security measures.

Your Rights and Choices

You have several rights regarding your personal information, and we're committed to helping you exercise these rights:

• Access: You can request a copy of the personal information we hold about you
• Correction: You can ask us to correct any inaccurate or incomplete information
• Deletion: You can request that we delete your personal information, subject to certain exceptions
• Restriction: You can ask us to limit how we use your information
• Portability: You can request a copy of your information in a structured, machine-readable format
• Objection: You can object to certain types of processing of your information

To exercise any of these rights, please contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing your request.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements.

Specific retention periods depend on the type of information and the purpose for which it was collected:

• Account Information: Retained while your account is active and for 7 years after closure
• Financial Records: Retained for 7 years to comply with regulatory requirements
• Communication Records: Retained for 3 years for quality assurance and legal purposes
• Website Usage Data: Retained for 2 years for analytics and improvement purposes
• Marketing Data: Retained until you opt out or for 5 years, whichever is earlier

When we no longer need your information, we securely delete or anonymize it in accordance with our data retention and disposal policies.

International Data Transfers

luminesquentora operates from Malaysia, and your information may be transferred to, stored, and processed in Malaysia or other countries where we or our service providers operate. These countries may have different data protection laws than your country of residence.

When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your information, including:

• Contractual protections with service providers
• Compliance with applicable data protection regulations
• Security measures that meet international standards
• Regular monitoring and auditing of our data handling practices

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files that are placed on your device when you visit our site.

We use the following types of cookies:

• Essential Cookies: Required for the website to function properly
• Performance Cookies: Help us understand how visitors interact with our website
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements (with your consent)

You can control cookies through your browser settings, but please note that disabling certain cookies may affect the functionality of our website.

Children's Privacy

Our services are not intended for children under the age of 18, and we do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without appropriate consent, we will take steps to delete that information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can take appropriate action.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will:

• Post the updated policy on our website
• Update the "Last Updated" date at the top of this policy
• Notify you of significant changes via email or website notice
• Provide a summary of key changes when appropriate

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes indicates your acceptance of the updated policy.