Privacy Policy

Our Privacy Commitment

At lumarexithos, we take your privacy seriously and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our financial planning services.

We believe transparency about data practices builds trust and helps you make informed decisions about sharing your information with us.

Information We Collect

We collect information necessary to provide effective financial planning services:

• Contact information including name, address, phone number, and email address
• Financial information such as income, expenses, assets, and financial goals
• Website usage data including pages visited, time spent, and interaction patterns
• Communication records from consultations, emails, and support interactions

How We Use Your Information

Your information helps us provide personalized and effective financial planning services:

• Delivering financial consultations and developing personalized planning strategies
• Communicating about your account, appointments, and service updates
• Improving our services based on user feedback and website analytics
• Complying with legal obligations and protecting against fraud

Legal Basis for Processing

We process your personal information based on the following legal grounds:

Primary Legal Basis: We process your data on the basis of consent for marketing communications and legitimate interest for service delivery and improvement.

Information Sharing and Disclosure

We limit data sharing to specific circumstances that support your service or legal requirements:

• With service providers who assist in delivering our services under strict confidentiality agreements
• When required by law, court order, or to protect our rights and safety
• In connection with business transfers, subject to continued privacy protection

Data Security Measures

We implement comprehensive security measures to protect your information including encryption, secure servers, access controls, and regular security audits. While we strive to protect your data, no internet transmission is completely secure, and we cannot guarantee absolute security.

Your Privacy Rights

You have important rights regarding your personal information:

• Access and review the personal information we hold about you
• Request corrections to inaccurate or incomplete information
• Request deletion of your personal information, subject to legal requirements
• Opt-out of marketing communications while continuing to receive service-related messages
• Request data portability to transfer your information to another service provider

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your website experience and gather analytics information.

For detailed information about our cookie practices, please review our Cookie Policy.

Data Retention

We retain your personal information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements. Financial planning records may be retained for extended periods as required by professional standards and regulations.

Children's Privacy

Our services are designed for adults aged 18 and older. We do not knowingly collect personal information from children under 18. If we become aware of such collection, we will take steps to delete the information promptly.

Privacy Policy Updates

We may update this Privacy Policy to reflect changes in our practices, services, or legal requirements. Material changes will be communicated through email or prominent website notices before they take effect.

Privacy Contact Information

For questions about this Privacy Policy or to exercise your privacy rights, contact us at: