Privacy Policy
Luminy (“we,” “our,” or “us”) explains how we collect, use, and share information when you use our website, mobile applications, and related services (collectively, the “Services”). By using the Services, you agree to this Privacy Policy. If you do not agree, please do not use the Services.
1. Information we collect
Depending on how you use the Services, we may collect:
- Account information: such as name, email address, and credentials you provide when you register.
- Financial connection data: information you choose to connect through third-party financial data partners (e.g. account types, balances, transaction details), subject to your consent and applicable agreements.
- Usage and device data: such as app version, device type, operating system, log data, and how you interact with features.
- Support communications: messages you send when you contact us.
2. How we use information
We use information to provide and improve the Services, personalize insights, keep your account secure, comply with law, communicate with you about updates or support, and understand aggregate usage trends.
3. How we share information
We may share information with:
- Service providers who assist us with hosting, analytics, customer support, security, and similar functions, bound by confidentiality and processing terms.
- Financial data partners you authorize to link your accounts, as described in their terms and your in-app consent flows.
- Legal and safety when required by law, regulation, legal process, or to protect rights, safety, and security.
- Business transfers in connection with a merger, acquisition, or sale of assets, with notice where required.
We do not sell your personal information for monetary consideration.
4. Retention
We retain information only as long as needed for the purposes above, unless a longer period is required by law. You may request deletion of your account subject to legal exceptions.
5. Security
We implement administrative, technical, and organizational measures designed to protect your information. No method of transmission or storage is completely secure.
6. Your choices and rights
Depending on your location, you may have rights to access, correct, delete, or export your personal information, and to object to or restrict certain processing. Contact us at support@luminyy.com to exercise these rights. You may opt out of promotional emails via the unsubscribe link in those messages.
7. Children
The Services are not directed to children under 4, except where applicable law requires a higher minimum age in your jurisdiction. We do not knowingly collect personal information from children below that age.
8. International users
We may process information in countries where we operate. Where required, we use appropriate safeguards for cross-border transfers.
9. Changes to this policy
We may update this Privacy Policy from time to time. We will post the revised version on this page. Continued use after changes constitutes acceptance where permitted by law.
10. Contact
For privacy questions or requests, email us at support@luminyy.com