Privacy Policy

Introduction

luminexoraqi ("we," "our," or "us") operates the luminexoraqi.sbs platform, providing financial modeling education and resources. This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our website or use our services.

We're committed to protecting your privacy and ensuring transparency about our data practices. This policy complies with the Australian Privacy Principles under the Privacy Act 1988 (Cth) and other applicable data protection laws.

Information We Collect

We collect various types of information to provide and improve our services:

How We Use Your Information

Your information helps us deliver personalized educational experiences and maintain our platform effectively. Here's how we use the data we collect:

• Provide access to financial modeling courses and educational materials
• Process payments and manage your account subscription
• Send course updates, progress notifications, and educational content
• Respond to your inquiries and provide customer support
• Analyze website usage to improve our platform and course offerings
• Detect and prevent fraud, security breaches, or technical issues
• Comply with legal obligations and regulatory requirements
• Send marketing communications about new courses or features (with your consent)

We base our data processing on legitimate business interests, contractual necessity, legal compliance, and your explicit consent where required by law.

Information Sharing and Disclosure

We maintain strict controls over who can access your personal information. We may share your data in these specific circumstances:

• Service Providers: Third-party companies that help us operate our platform, process payments, send emails, or provide analytics services
• Legal Requirements: When required by Australian law, court orders, or regulatory authorities
• Business Transfers: In the event of a merger, acquisition, or asset sale, your information may be transferred to the new entity
• Safety and Security: To protect the rights, property, or safety of luminexoraqi, our users, or the public
• With Your Consent: Any other sharing will occur only with your explicit permission

We never sell your personal information to advertisers or marketing companies. All third-party service providers are contractually bound to maintain the confidentiality and security of your data.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information:

To exercise any of these rights, contact our privacy team at info@luminexoraqi.sbs. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

Data Security and Storage

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction:

• Industry-standard SSL encryption for all data transmission
• Secure data centers with physical access controls and environmental monitoring
• Regular security audits and vulnerability assessments
• Employee access controls and mandatory privacy training
• Automated backup systems with encrypted storage
• Incident response procedures for potential security breaches

Your data is primarily stored on secure servers located in Australia. When we use international service providers, we ensure they provide adequate protection for your information through standard contractual clauses or other approved transfer mechanisms.

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy:

• Account Information: Retained while your account is active, plus 7 years after closure for tax and legal compliance
• Course Progress: Stored for 3 years after course completion to provide ongoing access to certificates and materials
• Communication Records: Customer support interactions kept for 2 years for quality assurance
• Marketing Data: Deleted within 90 days of unsubscribing from marketing communications
• Analytics Data: Anonymized and aggregated after 2 years, with personal identifiers removed

We regularly review our data retention practices and securely delete information that's no longer needed. You can request early deletion of your data by contacting our support team.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and analyze site usage. We use several types of cookies:

• Essential Cookies: Required for basic website functionality, such as maintaining your login session
• Analytics Cookies: Help us understand how visitors interact with our website through aggregated statistics
• Preference Cookies: Remember your settings and preferences for future visits
• Marketing Cookies: Used to deliver relevant advertising (only with your consent)

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some website functionality. Our cookie banner allows you to manage your preferences when you first visit our site.

Children's Privacy

Our services are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 18. If we discover that we've inadvertently collected information from someone under 18, we'll delete it immediately.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll:

• Update the "Last Updated" date at the top of this policy
• Send email notifications to active users about material changes
• Display prominent notices on our website highlighting key updates
• Provide a summary of changes for easy reference

We encourage you to review this policy regularly to stay informed about how we protect your information. Your continued use of our services after policy updates constitutes acceptance of the revised terms.