Lumox

Introduction

Lumox ("we", "us", or "our") operates lumox.pro and respects your privacy. This policy explains what information we collect, why we collect it, and how you can manage your data. We're based in Australia and comply with the Privacy Act 1988, including the Australian Privacy Principles.

When you use our investing education services, you share personal details with us. We think you should know exactly what happens with that information. So here it is, in plain language.

Information We Collect

Information You Give Us Directly

When you sign up, contact us, or use our services, you might provide:

Name and contact details (email address, phone number)
Mailing address when you register for physical materials
Payment information when enrolling in courses
Questions or messages you send through our contact form
Details about your investing experience and education goals

Information Collected Automatically

Our website collects some technical data automatically:

IP address and general location (city/state level)
Browser type and device information
Pages you visit and how long you stay
Links you click and forms you interact with
Date and time of your visits

We use cookies and similar tracking tech for this. You can disable cookies in your browser settings, though some features might not work properly if you do.

How We Use Your Information

Short version: We use your data to run our education services, improve your experience, and keep you informed about courses and investing guides.

Specifically, we use your information to:

Process your enrollment in courses and programs
Send educational materials and course updates
Answer your questions and provide support
Improve our website and educational content
Send newsletters about investing topics (you can opt out anytime)
Analyze how people use our site to make it better
Prevent fraud and maintain security
Comply with legal requirements

We won't sell your personal information to third parties. That's not our business model, and honestly, it feels sketchy. Your data stays with us unless there's a legitimate reason to share it (more on that below).

Data Sharing and Third Parties

Sometimes we need to share your information with other companies to provide our services. Here's when that happens:

Third Party Type	Purpose	Data Shared
Payment Processors	Handle course payments securely	Payment card details, billing address, transaction amount
Email Service Providers	Send course materials and updates	Email address, name, subscription preferences
Website Analytics	Understand site usage patterns	IP address, pages visited, device type
Cloud Storage Providers	Store data securely	All account information
Customer Support Tools	Manage inquiries efficiently	Contact details, message history

All these partners are bound by confidentiality agreements. They can only use your data for the specific purposes we authorize.

Legal Requirements

We might disclose your information if required by Australian law, court orders, or government requests. We'll only share what's legally required and will notify you unless prohibited from doing so.

Your Privacy Rights

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

Access Your Data

Request a copy of all personal information we hold about you. We'll provide it in a readable format within 30 days.

Correct Inaccuracies

If your details are wrong or outdated, let us know. We'll update them promptly and notify any third parties if needed.

Delete Your Information

Ask us to remove your personal data. We'll comply unless we're legally required to keep it (like tax records).

Opt Out of Marketing

Unsubscribe from promotional emails anytime. You'll still receive essential service messages about your courses.

Restrict Processing

Limit how we use your data in certain situations, like when you're disputing accuracy.

Data Portability

Get your information in a structured format that you can transfer to another service provider.

To exercise any of these rights, contact us at [email protected]. We'll respond within 30 days. There's no fee unless your request is clearly unreasonable or excessive.

Data Security

We take security seriously. Your information is protected through:

SSL encryption for all data transmitted through our website
Secure servers with restricted access controls
Regular security audits and vulnerability testing
Employee training on data protection practices
Encrypted backups stored in multiple secure locations
Two-factor authentication for administrative access

Despite these measures, no internet transmission is completely secure. We do our best to protect your data, but we can't guarantee absolute security. If you suspect unauthorized access to your account, contact us immediately.

Data Retention

We keep your information for different periods depending on why we collected it:

Active accounts: Retained while you use our services
Inactive accounts: Deleted after 5 years of no activity
Financial records: Kept for 7 years (Australian tax law requirement)
Marketing communications: Removed immediately when you unsubscribe
Support inquiries: Kept for 3 years for quality assurance
Website analytics: Aggregated and anonymized after 26 months

When we delete data, it's removed from our active systems and backups within 90 days. Some information might persist in archived backups for up to one year before complete deletion.

International Data Transfers

Our servers are located in Australia, but some service providers operate from other countries. When your data leaves Australia, we ensure:

The receiving country has adequate privacy protections
Contractual safeguards are in place
You're informed about where your data goes
Your rights under Australian law remain protected

Most of our international transfers involve US-based cloud providers and email services. These companies have certified their compliance with international data protection standards.

Children's Privacy

Our services are designed for adults interested in investment education. We don't knowingly collect information from anyone under 18 years old. If you're under 18, please don't register or provide personal information.

If we discover we've accidentally collected data from someone under 18, we'll delete it promptly. Parents or guardians who believe we might have information about their child should contact us immediately.

Cookies and Tracking

We use several types of cookies:

Essential cookies: Required for the website to function (login, security)
Performance cookies: Help us understand how visitors use the site
Functional cookies: Remember your preferences and settings
Marketing cookies: Track your activity for targeted content (optional)

You can control cookie settings through your browser. Blocking essential cookies might affect site functionality. Most browsers accept cookies automatically, but you can change this in your settings.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The "Last Updated" date at the top shows when we last modified this policy. Continuing to use our services after changes take effect means you accept the updated policy. If you disagree with changes, you can close your account and stop using our services.

Making a Complaint

If you're unhappy with how we've handled your personal information, please contact us first. We'll investigate and respond within 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

Office of the Australian Information Commissioner

Website: www.oaic.gov.au

Phone: 1300 363 992

Email: [email protected]

Privacy Policy