Privacy Policy
luminarythos Financial Education Platform
Last Updated: March 15, 2025
1. Introduction and Scope
At luminarythos (luminarythos.world), we recognize that your privacy matters deeply. This comprehensive policy outlines how we collect, use, store, and protect your personal information when you interact with our financial education platform. We operate under Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA), and we're committed to maintaining the highest standards of data protection.
This policy applies to all users of our website, mobile applications, educational programs, and related services. By accessing or using luminarythos's services, you acknowledge that you've read and understood this privacy policy. We encourage you to review this document regularly, as we update it to reflect changes in our practices and legal requirements.
2. Information We Collect
Personal Information
We collect various types of personal information to provide you with personalized financial education services:
- Contact details including name, email address, phone number, and mailing address
- Account credentials and security information for platform access
- Financial education preferences and learning objectives
- Payment information for course enrollments and service subscriptions
- Communication records including support tickets and feedback submissions
Technical Information
Our systems automatically collect technical data to improve your experience and maintain platform security:
- Device information including browser type, operating system, and IP address
- Usage patterns such as pages visited, time spent on content, and feature interactions
- Session data including login timestamps and access frequency
- Performance metrics to help us identify and resolve technical issues
Note: We never collect sensitive financial account numbers, social insurance numbers, or detailed personal financial data unless explicitly required for specific educational scenarios with your express consent.
3. How We Use Your Information
Your personal information serves several important purposes that directly benefit your learning experience:
| Purpose | Legal Basis | Data Types Used |
|---|---|---|
| Course delivery and progress tracking | Contract performance | Account data, learning preferences |
| Customer support and communication | Legitimate interest | Contact information, support history |
| Platform security and fraud prevention | Legal obligation | Technical data, access logs |
| Service improvement and analytics | Legitimate interest | Usage data, feedback |
We also use aggregated, anonymized data to develop new educational content and improve our curriculum. This helps us understand which topics resonate most with learners and where we can enhance our teaching methods.
4. Data Sharing and Third Parties
We maintain strict control over your personal information and limit sharing to essential business operations. Here's who we might share data with and why:
Service Providers
We work with carefully selected third-party providers who help us deliver our services. These include payment processors, cloud hosting services, email delivery platforms, and customer support tools. All service providers must sign comprehensive data processing agreements that require them to protect your information according to Canadian privacy standards.
Legal Requirements
We may disclose personal information when required by law, court order, or government regulation. This might occur in cases involving suspected fraud, legal disputes, or regulatory compliance. We'll always verify the legitimacy of such requests and limit disclosure to the minimum necessary information.
Important: We never sell, rent, or trade your personal information to third parties for marketing purposes. Your data remains under our protection and is used solely to enhance your educational experience.
5. Your Privacy Rights
Under Canadian privacy law, you have several important rights regarding your personal information. We've designed straightforward processes to help you exercise these rights:
- Access: Request copies of personal information we hold about you, including details about how it's used
- Correction: Update or correct inaccurate information in your account or our records
- Deletion: Request removal of your personal information, subject to legal and contractual obligations
- Portability: Obtain your data in a structured, commonly used format for transfer to another service
- Withdrawal: Revoke consent for specific data processing activities where consent is the legal basis
- Complaint: File complaints about our privacy practices with the Privacy Commissioner of Canada
To exercise any of these rights, contact our privacy team using the information provided at the end of this policy. We'll respond to your request within 30 days and may ask for additional information to verify your identity before processing certain requests.
6. Data Security and Protection
Protecting your information is one of our highest priorities. We've implemented multiple layers of security controls to safeguard your data against unauthorized access, modification, or destruction:
Technical Safeguards
- End-to-end encryption for data transmission using TLS 1.3 protocols
- Advanced encryption standards (AES-256) for data storage
- Multi-factor authentication for account access and administrative functions
- Regular security audits and penetration testing by independent security firms
- Automated monitoring systems that detect and respond to suspicious activities
Organizational Controls
Our team receives regular privacy and security training. We maintain strict access controls, ensuring that only authorized personnel can access personal information on a need-to-know basis. All employees sign confidentiality agreements and undergo background checks before handling sensitive data.
7. Data Retention and Deletion
We retain personal information only as long as necessary to fulfill the purposes outlined in this policy or to meet legal requirements. Our retention practices vary based on the type of information and your relationship with luminarythos:
| Information Type | Retention Period | Deletion Process |
|---|---|---|
| Account and profile data | Duration of account plus 3 years | Automatic deletion after retention period |
| Course progress and certificates | 7 years from completion | Secure deletion from all systems |
| Payment and billing information | 7 years for tax purposes | Secure deletion with audit trail |
| Support communications | 3 years from last contact | Automatic archival then deletion |
When we delete your information, we use secure deletion methods that make the data unrecoverable. For certain types of data stored in backup systems, complete removal may take up to 90 days to ensure all copies are eliminated.
8. International Data Transfers
While luminarythos operates primarily within Canada, some of our service providers may process data in other countries. When international transfers occur, we ensure adequate protection through:
- Standard contractual clauses approved by Canadian privacy authorities
- Adequacy decisions recognizing equivalent privacy protection in destination countries
- Additional safeguards such as encryption and access controls during transit and storage
- Regular audits of international service providers to verify compliance with Canadian privacy standards
We'll notify you of any significant changes to our international data transfer practices and provide options to limit such transfers where technically feasible.
9. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized content. We use several types of cookies:
Essential Cookies
These cookies are necessary for basic website functionality, including user authentication, security features, and shopping cart operations. You cannot opt out of essential cookies while using our services.
Analytics and Performance Cookies
We use analytics cookies to understand how visitors interact with our website, which pages are most popular, and where users experience difficulties. This information helps us improve our platform's usability and content quality.
You can control cookie settings through your browser preferences or our cookie management tool available in your account settings. Keep in mind that disabling certain cookies may limit some website functionality.
10. Children's Privacy
luminarythos's services are designed for adults and we do not knowingly collect personal information from individuals under 18 years of age. If we discover that we've inadvertently collected information from a minor, we'll delete it immediately and take steps to prevent future occurrences.
Parents or guardians who believe their child has provided personal information to luminarythos should contact us immediately. We're committed to working with families to address any privacy concerns and ensure appropriate protection for young people online.
11. Policy Updates and Notifications
We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. When we make significant changes that affect how we collect, use, or protect your personal information, we'll notify you through:
- Email notifications to your registered account address
- Prominent notices on our website and mobile applications
- In-app notifications for material changes affecting current users
- Updates to this page with clear change summaries and effective dates
We encourage you to review this policy periodically to stay informed about how we protect your privacy. Continued use of our services after policy updates constitutes acceptance of the revised terms.
Contact Our Privacy Team
Privacy Officer luminarythos Financial Education
2194 Bloor St W, Toronto, ON M6S 1N4, Canada
Email: info@luminarythos.world
Phone: +1 (647) 907-4138
We're committed to addressing your privacy questions and concerns promptly. Our privacy team responds to most inquiries within 2-3 business days.