Privacy Policy
Your privacy matters to us. Here's how we protect and handle your personal information.
Information We Collect
lumarethios collects various types of information to provide you with our financial communication services. This includes personal information you voluntarily provide when creating an account, subscribing to our services, or contacting our support team.
| Information Type | Collection Method | Purpose |
|---|---|---|
| Personal Identifiers | Account registration, contact forms | Account management, communication |
| Financial Information | Service applications, verification | Service delivery, compliance |
| Technical Data | Website visits, app usage | Service improvement, security |
| Communication Records | Support interactions, feedback | Customer service, quality assurance |
We collect personal identifiers such as your name, email address, phone number, and postal address when you register for our services. Financial information may include bank account details, transaction history, and credit information where relevant to our business communication services.
How We Use Your Information
Your personal information serves several important purposes within our platform. We use collected data to deliver personalized financial communication services, maintain account security, and improve our overall service quality.
- Providing access to our financial communication platform and related services
- Processing transactions and maintaining accurate financial records
- Sending important account updates, security alerts, and service notifications
- Delivering customer support and resolving technical or account-related issues
- Conducting security monitoring to protect against unauthorized access
- Analyzing usage patterns to improve platform functionality and user experience
- Complying with Australian financial regulations and reporting requirements
We may also use aggregated, anonymized data for research purposes and to understand market trends within the financial communication sector. This helps us develop better services while maintaining your privacy.
Information Sharing and Disclosure
lumarethios takes a conservative approach to information sharing. We only share your personal information in specific, limited circumstances that directly support our service delivery or legal obligations.
Third-Party Service Providers
We work with carefully selected partners who assist in delivering our services. These include payment processors, cloud storage providers, and customer support platforms. All partners must meet strict data protection standards and are contractually bound to protect your information.
We may disclose information when required by Australian law, court orders, or regulatory authorities. In cases of business transactions such as mergers or acquisitions, your information may be transferred to the new entity, but only under equivalent privacy protections.
We never sell personal information to third parties for marketing purposes. Any data sharing occurs only with your explicit consent or when necessary to provide the services you've requested from us.
Your Privacy Rights
Under Australian privacy law, you have specific rights regarding your personal information. These rights ensure you maintain control over how your data is collected, used, and stored within our systems.
Access Your Data
Request a copy of the personal information we hold about you. We'll provide this within 30 days of your request.
Correct Information
Update or correct any inaccurate personal information in your account or our records.
Delete Your Data
Request deletion of your personal information, subject to legal retention requirements.
Restrict Processing
Limit how we use your information while maintaining your account access.
Data Portability
Receive your personal data in a structured, commonly used format for transfer to another service.
Object to Processing
Object to certain types of data processing, particularly for direct marketing purposes.
To exercise any of these rights, contact our privacy team using the information provided below. We'll verify your identity and process your request according to applicable privacy laws.
Data Security and Protection
We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security framework includes both technical and organizational safeguards.
Our data centers maintain physical security controls including biometric access, surveillance systems, and environmental monitoring. We regularly update our security protocols to address emerging threats and maintain compliance with industry standards.
Despite our security measures, no system is completely immune to breaches. In the unlikely event of a security incident affecting your personal information, we'll notify you promptly and take immediate steps to minimize any potential impact.
Data Retention and Deletion
We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by Australian law. Different types of information have different retention periods based on their purpose and legal requirements.
- Account information: Retained while your account remains active, plus 7 years after closure for compliance purposes
- Transaction records: Maintained for 7 years to meet financial reporting requirements
- Support communications: Kept for 3 years to maintain service quality and resolve future inquiries
- Marketing preferences: Stored until you withdraw consent or update your preferences
- Technical logs: Automatically deleted after 12 months unless required for security investigations
When retention periods expire, we securely delete or anonymize your information using industry-standard data destruction methods. You can request earlier deletion of certain information types, subject to our legal obligations.
International Data Transfers
While lumarethios primarily operates within Australia, some of our service providers and partners may process your information outside Australia. When this occurs, we ensure appropriate safeguards are in place to protect your privacy rights.
We only transfer data to countries with adequate privacy protections or under specific contractual arrangements that provide equivalent protection to Australian privacy standards. These arrangements include standard contractual clauses and certification schemes recognized by Australian privacy authorities.
Transfer Safeguards
All international transfers are governed by data processing agreements that specify security requirements, access limitations, and breach notification procedures. We regularly audit our international partners to ensure compliance with these standards.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your user experience, analyze site performance, and provide personalized content. We categorize cookies based on their function and obtain your consent where required by law.
Essential cookies are necessary for basic website functionality and cannot be disabled. Analytics cookies help us understand how visitors use our site, while marketing cookies enable personalized content delivery. You can control non-essential cookies through your browser settings or our cookie preference center.
We also use web beacons and similar technologies in our email communications to track delivery and engagement. This helps us improve our communication effectiveness and ensure messages reach your inbox successfully.
Changes to This Policy
We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or service offerings. Significant changes will be communicated through email notifications or prominent website notices.
We encourage you to review this policy regularly to stay informed about how we protect your privacy. The effective date at the top of this policy indicates when the current version was last updated.
Continued use of our services after policy updates constitutes acceptance of the revised terms. If you disagree with changes, you may close your account or contact us to discuss your concerns.
Contact Information
If you have questions about this privacy policy, need to exercise your privacy rights, or want to report a privacy concern, please contact our privacy team using any of the methods below.
Privacy Officer
Email: privacy@lumarethios.world
Response time: Within 5 business days
General Inquiries
Email: info@lumarethios.world
Phone: +61895353599
Postal Address
Level 1/48-50 Smith St
Darwin City NT 0800
Australia
For urgent privacy matters or data breach reports, please call our main number and request immediate transfer to the privacy team. We're committed to addressing your privacy concerns promptly and thoroughly.