Privacy Policy

Introduction

Luminos Advisory is committed to protecting the privacy and confidentiality of personal information. This Privacy Policy explains how we collect, use, store, and protect information when you engage with our financial education programmes and services.

By using our services or providing personal information to us, you consent to the practices described in this policy. We encourage you to read this policy carefully and contact us if you have questions.

Information We Collect

Contact Information

• Name and contact details (email address, phone number)
• Mailing address when provided
• Communication preferences

Programme Participation Data

• Programme enrollment information
• Session attendance records
• Educational materials access
• Programme completion status

Communication Records

• Email correspondence
• Inquiry submissions through our website
• Session questions and discussions (group settings only)
• Support requests and responses

Website Usage Data

• Pages visited and time spent on site
• Browser type and device information
• IP address and general location
• Cookie data as described in our Cookie Policy

How We Use Your Information

We use collected information for the following purposes:

Service Provision

• Delivering educational programmes and materials
• Scheduling sessions and sending programme updates
• Providing ongoing programme support
• Responding to inquiries and requests

Communication

• Sending programme information and educational updates
• Notifying about new programmes or schedule changes
• Responding to questions and support needs
• Sharing relevant educational resources

Programme Improvement

• Analyzing participation patterns to improve curriculum
• Gathering feedback on educational effectiveness
• Identifying areas needing additional clarification
• Enhancing overall participant experience

Legal Compliance

• Meeting regulatory requirements
• Maintaining required records
• Responding to legal processes
• Protecting rights and safety

Legal Basis for Processing

We process personal information based on:

• Consent: When you voluntarily provide information or agree to specific uses
• Contract Fulfillment: To deliver the educational services you've enrolled in
• Legitimate Interest: For programme improvement and business operations
• Legal Obligation: To comply with applicable laws and regulations

Data Retention

We retain personal information for different periods based on its type and purpose:

• Programme Records: Maintained for 7 years after programme completion
• Communication History: Kept for 3 years from last interaction
• Marketing Preferences: Until you request removal or update preferences
• Website Analytics: Aggregated data retained indefinitely; individual data for 2 years

After retention periods expire, we securely delete or anonymize information unless longer retention is required by law.

Data Protection Measures

We implement multiple safeguards to protect your information:

Technical Measures

• Encryption of data in transit and at rest
• Secure servers with regular security updates
• Firewall protection and intrusion detection
• Regular security assessments and updates

Access Controls

• Limited access to personal information based on role necessity
• Authentication requirements for system access
• Activity logging and monitoring
• Regular access reviews

Organizational Measures

• Staff training on data protection practices
• Confidentiality agreements with team members
• Incident response procedures
• Regular policy reviews and updates

Your Rights

You have several rights regarding your personal information:

• Access: Request copies of personal information we hold about you
• Rectification: Request correction of inaccurate or incomplete information
• Erasure: Request deletion of your personal information in certain circumstances
• Restriction: Request limitation on how we process your information
• Portability: Receive your information in a structured, commonly used format
• Object: Object to processing based on legitimate interests
• Withdraw Consent: Withdraw previously given consent at any time

To exercise these rights, contact us at [email protected]. We will respond to requests within one month.

Third-Party Services

We work with limited third-party services for specific purposes:

Analytics Providers

We use analytics services to understand website usage and improve user experience. These services may collect information about your visit using cookies and similar technologies. Data collected is typically anonymized.

Hosting Services

Our website and data are hosted on secure servers maintained by reputable hosting providers who comply with data protection standards.

Communication Tools

We use email services and video conferencing platforms for programme delivery and communication. These providers process information only as necessary to provide their services.

All third-party service providers are carefully selected and required to maintain appropriate data protection standards. We do not sell or rent personal information to third parties.

International Transfers

While we primarily process data within Singapore, some service providers may operate internationally. When personal information is transferred outside Singapore, we ensure appropriate safeguards are in place through standard contractual clauses or other approved mechanisms to protect your information according to Singapore's data protection standards.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance functionality and analyze usage. For detailed information about our cookie practices, including how to manage cookie preferences, please review our Cookie Policy.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Significant changes will be communicated through:

• Email notification to active participants
• Prominent notice on our website
• Updated "Last Modified" date at the top of this policy

Continued use of our services after updates constitutes acceptance of the revised policy. We encourage regular review of this policy.