Privacy Policy

Introduction

LuminaWealth ("we", "us", "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Platform.

Information We Collect

We collect the following categories of information:

• Identity Data: Full name, date of birth, government-issued ID (for KYC verification)
• Contact Data: Email address, phone number
• Financial Data: Cryptocurrency wallet addresses, transaction history, investment records
• Technical Data: IP address, browser type, device identifiers, login timestamps
• Usage Data: Pages visited, features used, tasks completed, referral activity

How We Use Your Information

Your information is used to:

• Process your account registration and verify your identity
• Execute investment plans, deposits, and withdrawals
• Calculate and credit referral commissions and rewards
• Send account notifications, transaction confirmations, and security alerts
• Comply with anti-money laundering (AML) and know-your-customer (KYC) regulations
• Improve our platform, detect fraud, and ensure security

Data Storage & Security

All personal and financial data is stored on encrypted servers using AES-256 encryption at rest and TLS 1.3 in transit. Access to your data is restricted to authorised personnel on a strict need-to-know basis. We undergo regular security audits and penetration testing.

While we take every reasonable precaution, no system is completely immune to security threats. You are responsible for keeping your login credentials secure.

Data Sharing

We do not sell or rent your personal data to third parties. We may share your information with:

• KYC/AML providers: For identity verification purposes
• Payment processors: To facilitate cryptocurrency transactions
• Legal authorities: Where required by law, court order, or regulatory obligation
• Service providers: Who assist in platform operations under strict confidentiality agreements

Cookies & Tracking

We use session cookies strictly for authentication and security purposes. We do not use third-party advertising trackers. Analytics data (if enabled) is anonymised and used solely to improve platform performance.

Your Rights

You have the right to: access the personal data we hold about you; request correction of inaccurate data; request deletion of your data (subject to legal retention requirements); withdraw consent at any time; lodge a complaint with a data protection authority.

To exercise any of these rights, contact us at support@luminawealth.com.

Data Retention

We retain your personal data for as long as your account is active or as needed to comply with legal obligations — typically a minimum of 5 years for financial records as required by AML regulations. Account closure requests will result in anonymisation of your data where deletion is not legally possible.

Children's Privacy

Our Platform is not directed at persons under 18 years of age. We do not knowingly collect data from minors. If you believe a minor has submitted data to us, contact us immediately.

Policy Updates

This policy may be updated periodically. We will notify you of material changes via email or platform notification. Your continued use of the Platform constitutes acceptance of the updated policy.

Contact Us

Data Controller: LuminaWealth. For privacy-related enquiries: support@luminawealth.com.