Privacy Policy

Your privacy matters to us. Here's how we protect and manage your personal information.

Last updated: January 15, 2025

Introduction

lumorianevo ("we," "our," or "us") operates lumorianevo.com and is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our budget essentials platform. This policy complies with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and other applicable Australian privacy legislation.

By accessing or using our services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

Personal Information

We collect information that identifies, relates to, or could reasonably be linked with you. This includes:

Name, email address, and contact details when you register for our services
Financial information including income, expenses, and budget categories you input
Payment information when you subscribe to premium features
Communication preferences and account settings
Identity verification documents when required by law

Automatically Collected Information

When you use our platform, we automatically collect certain information about your device and usage patterns:

IP address, browser type, and operating system information
Pages visited, time spent on pages, and click-through rates
Device identifiers and mobile network information
Location data (with your explicit consent)
Cookies and similar tracking technologies data

How We Use Your Information

We use the information we collect for legitimate business purposes, including:

Service Provision

Creating and managing your account and user profile
Providing personalized budget recommendations and financial insights
Processing payments and managing subscriptions
Delivering customer support and responding to inquiries
Sending service-related communications and updates

Service Improvement

Analyzing usage patterns to improve our platform functionality
Conducting research and development for new features
Testing and monitoring system performance
Personalizing user experience and content recommendations

Information Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

Service Providers

We engage trusted third-party service providers to help us operate our business. These providers may access your information only to perform services on our behalf and are obligated to maintain confidentiality. This includes cloud storage providers, payment processors, and customer support platforms.

Legal Requirements

We may disclose your information where required by Australian law or if we believe disclosure is necessary to comply with legal obligations, protect our rights, or ensure user safety. This includes cooperation with law enforcement agencies and regulatory bodies.

Data Security

We employ industry-standard security measures to protect your information. Our security practices include:

256-bit SSL encryption for all data transmission
Regular security audits and penetration testing
Access controls and employee training on data protection
Secure data centers with physical and network security measures
Regular software updates and security patch management

While we strive to protect your information, no internet transmission is 100% secure. We encourage you to use strong passwords and protect your account credentials.

Your Privacy Rights

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

Access and Correction

You can request access to the personal information we hold about you and ask us to correct any inaccurate or incomplete information. We'll respond to access requests within 30 days and provide information in a commonly used format.

Data Portability

You can request a copy of your data in a structured, machine-readable format. This allows you to transfer your information to another service provider if you choose.

Deletion Rights

You may request deletion of your personal information, subject to certain legal and operational requirements. We'll retain some information as required by law or for legitimate business purposes.

Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Specific retention periods include:

Account information: Retained while your account remains active plus 3 years
Financial data: Retained for 7 years after account closure for tax purposes
Communication records: Retained for 2 years for service improvement
Usage analytics: Aggregated data retained indefinitely for business insights

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. You can control cookie settings through your browser preferences, though some functionality may be limited if you disable certain cookies.

Types of Cookies We Use

Essential cookies for basic site functionality
Performance cookies to analyze site usage
Functional cookies to remember your preferences
Marketing cookies for relevant advertising (with consent)

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. We'll notify you of material changes by email or through prominent notices on our platform. Your continued use of our services after such notification constitutes acceptance of the updated policy.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately so we can delete such information.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us at:

Email: info@lumorianevo.com

Phone: +61 749 578 928

Address: Unit 1/1 Lampe Ave, Wagga Wagga NSW 2650, Australia