1 Information We Collect

When you engage with lumarexilon's fundamental analysis programs, we collect several types of information to provide you with tailored educational experiences.

Personal Information You Provide

We collect details you voluntarily share when enrolling in our programs, contacting us, or participating in our learning community. This includes:

• Your full name and contact details (email address, phone number)
• Mailing address for sending course materials or certificates
• Educational background and professional experience related to finance
• Payment information processed through secure third-party gateways
• Communication preferences and learning interests

Automatically Collected Data

Our website collects technical information through standard web technologies. This helps us understand how people use our platform and where we can improve:

• IP address and general geographic location (city/state level)
• Browser type, operating system, and device information
• Pages visited, time spent on each page, and navigation patterns
• Referral sources (how you found our website)
• Course progress and module completion data

We use cookies and similar tracking technologies. Most browsers allow you to control cookie settings, though some site features may not function properly if cookies are disabled.

2 How We Use Your Information

Your data serves specific purposes that directly benefit your learning experience and our ability to deliver quality financial education.

We may occasionally send you information about new courses or relevant updates to our fundamental analysis curriculum. You can opt out of marketing communications at any time while still receiving essential service-related messages.

3 Data Sharing and Disclosure

lumarexilon doesn't sell your personal information to third parties. We only share data in specific circumstances necessary for operating our educational services.

Service Providers

We work with trusted third-party companies that help us deliver our programs:

• Payment processors who handle financial transactions securely
• Email service providers for course communications
• Cloud hosting services where course materials are stored
• Analytics tools that help us understand website performance

These partners are contractually obligated to protect your information and can only use it for purposes we authorize.

Legal Requirements

We may disclose information when required by Australian law, in response to valid legal processes, or to protect the rights and safety of lumarexilon, our students, or others. This includes cooperating with law enforcement when legally compelled to do so.

4 Your Privacy Rights

Under the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs), you have several rights regarding your personal information.

Access and Correction

You can request a copy of the personal information we hold about you. If you spot any inaccuracies, let us know and we'll correct them promptly. We may need to verify your identity before fulfilling these requests to protect your information.

Data Portability

You can request your data in a commonly used, machine-readable format. This makes it easier to transfer your information to another service if you choose to do so.

Deletion Requests

You may ask us to delete your personal information, subject to certain limitations. We'll honor these requests unless we're required to retain data for legal compliance, dispute resolution, or other legitimate purposes. For example, we keep financial records for the period required by Australian tax law.

Marketing Opt-Out

Every marketing email includes an unsubscribe link. Click it to stop receiving promotional messages. You'll continue to receive transactional emails about your enrolled courses.

5 Data Security Measures

We've implemented technical and organizational measures to protect your information from unauthorized access, alteration, disclosure, or destruction.

• SSL encryption for all data transmitted between your browser and our servers
• Regular security audits and vulnerability assessments
• Access controls limiting staff access to personal information on a need-to-know basis
• Secure data centers with physical security measures
• Regular backups stored in geographically separate locations
• Employee training on data protection and privacy practices

While we take security seriously, no internet transmission is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.

6 Data Retention Periods

We retain your information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law.

Here's what that means in practice:

• Active students: We keep your data for the duration of your enrollment plus seven years afterward for educational record purposes
• Inactive accounts: If you haven't logged in for three years, we may archive or delete your account after sending notification
• Marketing contacts: We retain contact information until you unsubscribe or request deletion
• Financial records: Kept for seven years to comply with Australian taxation requirements
• Website analytics: Aggregated, anonymized data may be retained indefinitely for statistical purposes

When we delete information, we do so securely to prevent unauthorized recovery or reconstruction.

7 International Data Transfers

lumarexilon primarily operates within Australia, and your data is stored on servers located in Australian data centers. However, some of our service providers may process data outside Australia.

When we transfer data internationally, we ensure appropriate safeguards are in place. This might include using providers in countries with adequate privacy protections recognized by Australian law, or implementing contractual clauses that require overseas recipients to handle your data according to Australian privacy standards.

If you're accessing our services from outside Australia, please be aware that your information will be transferred to and processed in Australia, where our servers and operations are based.

8 Children's Privacy

lumarexilon's fundamental analysis courses are designed for adults and professionals. We don't knowingly collect personal information from individuals under 18 years of age.

If you're under 18 and interested in our programs, please have a parent or guardian contact us to discuss appropriate arrangements. If we discover we've inadvertently collected information from someone under 18 without proper parental consent, we'll delete that information promptly.

9 Third-Party Links and Services

Our website may contain links to external resources, financial data providers, or educational materials hosted on third-party websites. These links are provided for your convenience and additional learning.

We're not responsible for the privacy practices of these external sites. When you click through to another website, that site's privacy policy applies. We encourage you to review the privacy policies of any third-party sites you visit.

Some course modules may reference or integrate with third-party financial analysis tools. If you choose to use these tools, your interactions with them are governed by their respective privacy policies, not ours.

10 Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors.

When we make material changes, we'll notify you by email (to the address associated with your account) or by posting a prominent notice on our website at least 30 days before the changes take effect. The "Last Updated" date at the top of this policy indicates when it was most recently revised.

Continuing to use our services after changes become effective means you accept the updated policy. If you disagree with the changes, you may discontinue using our services and request deletion of your account.

11 Complaints and Disputes

If you have concerns about how we've handled your personal information, we want to hear from you. Most issues can be resolved quickly through direct communication.

Contact our privacy team at info@lumarexilon.com with details of your concern. We'll acknowledge your complaint within 5 business days and aim to provide a substantive response within 30 days.

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