Privacy Policy

At luntheriosum, we collect various types of information to provide you with our financial tools and services. The information we gather helps us deliver personalised experiences while maintaining the highest standards of data protection.

Collection Methods

We collect information directly from you when you register for our services, complete forms, or interact with our support team. Additionally, we automatically collect certain technical information through cookies and similar technologies when you use our website.

Sometimes we receive information from third parties, such as when you connect external financial accounts or when we verify your identity through trusted verification services. We only accept information from reputable sources that comply with privacy regulations.

Your information serves multiple purposes within our platform, all designed to enhance your experience with our financial tools. We're committed to using your data responsibly and transparently.

Primary Uses Include:

• Providing and maintaining our financial planning and budgeting tools
• Processing transactions and managing your account securely
• Personalising content and recommendations based on your financial goals
• Communicating important updates, security alerts, and service information
• Improving our services through analysis of usage patterns and user feedback
• Ensuring platform security and preventing fraudulent activities
• Complying with legal obligations and regulatory requirements

We also use aggregated, non-identifiable data to understand broader trends in financial planning and to develop new features that benefit our entire user community. This analysis helps us create more effective tools and resources.

Marketing Communications

With your explicit consent, we may send you educational content, product updates, and relevant financial insights. You can opt out of marketing communications at any time through your account settings or by clicking unsubscribe links in our emails.

We maintain strict policies regarding the sharing of your personal information. Your trust is fundamental to our relationship, and we never sell or rent your personal data to third parties for their marketing purposes.

Limited Sharing Circumstances:

• With your explicit consent for specific services or integrations
• To trusted service providers who assist in delivering our services under strict confidentiality agreements
• When required by Australian law, court orders, or regulatory authorities
• To protect the rights, property, or safety of luntheriosum, our users, or the public
• In connection with business transfers, mergers, or acquisitions (with appropriate safeguards)

Service Provider Oversight

Our service providers include payment processors, cloud hosting services, and analytics platforms. Each provider is carefully vetted and bound by comprehensive data protection agreements. They can only access the minimum information necessary to perform their specific functions.

We regularly review our relationships with service providers to ensure they maintain appropriate security measures and comply with applicable privacy laws, particularly the Australian Privacy Principles.

Under Australian privacy law, you have several important rights regarding your personal information. We've designed our systems to make exercising these rights as straightforward as possible.

Exercising Your Rights

To exercise any of these rights, contact our Privacy Officer using the details provided below. We'll respond to your request within 30 days and may require identity verification to protect your information from unauthorised access.

You also have the right to lodge a complaint with the Australian Information Commissioner if you believe we've mishandled your personal information. However, we encourage you to contact us first so we can address your concerns directly.

Protecting your information is our top priority. We employ multiple layers of security measures designed to safeguard your data against unauthorised access, alteration, disclosure, or destruction.

Technical Safeguards:

• End-to-end encryption for sensitive financial data transmission
• Secure cloud infrastructure with regular security audits and penetration testing
• Multi-factor authentication requirements for account access
• Regular security updates and patches to all systems
• Automated monitoring for suspicious activity and potential security threats
• Restricted access controls ensuring only authorised personnel can access personal data

Physical and Administrative Controls

Our team receives regular privacy and security training, and we maintain strict policies governing data access and handling. Physical access to servers and data centres is tightly controlled and monitored.

Despite these measures, no system is completely secure. If we discover any security incident that may affect your personal information, we'll notify you and relevant authorities as required by law, along with steps we're taking to address the situation.

Retention Periods

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes. Account information is typically retained for seven years after account closure to meet Australian financial record-keeping requirements.

Usage data and analytics information is generally retained for two years unless longer retention is required for fraud prevention or legal compliance. Marketing preferences and communication logs are kept until you withdraw consent or close your account.

International Data Transfers

Some of our service providers may process data outside Australia. When this occurs, we ensure appropriate safeguards are in place, including contractual protections that meet Australian privacy standards. We only work with providers in countries with adequate privacy protections or under binding agreements that require equivalent protection standards.

You have the right to request details about any international transfers of your data and the safeguards we've implemented to protect your information during these transfers.

Our website uses cookies and similar technologies to enhance your browsing experience, analyse site usage, and deliver personalised content. We believe in transparency about how these technologies work and giving you control over their use.

Types of Cookies We Use:

• Essential Cookies: Necessary for basic website functionality and security
• Performance Cookies: Help us understand how users interact with our site
• Functional Cookies: Remember your preferences and personalise your experience
• Marketing Cookies: Used to deliver relevant advertisements (with your consent)

You can control cookie settings through your browser preferences, though disabling certain cookies may limit some website functionality. Our cookie banner provides options to accept or decline non-essential cookies when you first visit our site.

We also use web beacons and pixel tags in our emails to understand engagement rates and improve our communications. These tools help us determine which content is most valuable to our users.

We regularly review and update this privacy policy to ensure it reflects our current practices and complies with evolving privacy laws. When we make significant changes, we'll notify you through your registered email address or via prominent notices on our website.

For general inquiries about our services, please contact us at info@luntheriosum.com. For urgent security concerns, please call our main number immediately.

We appreciate your trust in luntheriosum and remain committed to protecting your privacy while providing exceptional financial planning tools. This policy demonstrates our ongoing commitment to transparency and responsible data stewardship.