Overview and Commitment

At lumarexivora, we take your privacy seriously. This comprehensive privacy policy explains how we collect, use, store, and protect your personal information when you interact with our financial analysis education platform. Our commitment extends beyond mere compliance—we believe transparency builds trust, and trust forms the foundation of meaningful learning relationships.

This policy applies to all users accessing lumarexivora.com, including prospective students, current learners, business clients, and website visitors. By using our services, you agree to the practices outlined here. We encourage you to read this policy carefully and contact us with any questions.

Information We Collect

We collect information through various channels to provide, improve, and personalize your educational experience. Our data collection practices are guided by necessity and transparency principles.

Personal Information You Provide

• Contact details including name, email address, phone number, and mailing address
• Educational background and professional experience relevant to financial analysis
• Learning preferences, career goals, and specific areas of interest within finance
• Payment information processed through secure third-party processors
• Communications with our support team, instructors, and admissions counselors
• Application materials, assignments, and portfolio submissions

Automatically Collected Information

• Device information including IP address, browser type, operating system
• Website usage patterns, page views, time spent on different sections
• Learning platform interactions, course progress, and engagement metrics
• Cookie data and similar tracking technologies for site functionality

How We Use Your Information

Your information serves multiple purposes, all centered around delivering exceptional educational experiences and maintaining our service quality. We never sell personal data to third parties for marketing purposes.

• Providing access to learning programs, course materials, and educational resources
• Personalizing your learning journey based on your goals and progress
• Processing enrollments, payments, and managing your student account
• Communicating important updates about courses, schedules, and platform changes
• Providing technical support and responding to your inquiries
• Improving our curriculum, teaching methods, and platform functionality
• Ensuring platform security and preventing unauthorized access
• Complying with legal obligations and regulatory requirements in Canada

Information Sharing and Third Parties

We carefully limit data sharing to trusted partners who help us deliver our educational services. Any third-party access to your information is governed by strict contractual agreements ensuring your privacy protection.

Service Providers We Work With

• Payment processors for secure transaction handling (Stripe, PayPal)
• Cloud hosting services for platform infrastructure (AWS, Microsoft Azure)
• Email service providers for course communications and updates
• Analytics platforms for website performance and user experience insights
• Customer support tools to provide efficient assistance

Required Disclosures

We may disclose personal information when legally required, such as:

• Compliance with court orders, subpoenas, or legal processes
• Cooperation with law enforcement investigations
• Protection of our rights, property, or user safety
• Business transfers, mergers, or acquisitions (with continued privacy protection)

Data Security and Protection

Protecting your information is our top priority. We employ multiple layers of security measures to safeguard your data against unauthorized access, alteration, or destruction.

• SSL/TLS encryption for all data transmission between your device and our servers
• Regular security audits and penetration testing by certified professionals
• Access controls ensuring only authorized personnel can view personal information
• Secure data centers with physical and digital protection measures
• Regular software updates and security patches across all systems
• Employee training on data protection and privacy best practices
• Incident response procedures for potential security breaches

While we implement robust security measures, no system is completely immune to threats. We continuously monitor and update our security practices to address evolving risks. In the unlikely event of a security breach affecting your personal information, we will notify you promptly and take immediate steps to minimize any potential impact.

Your Privacy Rights and Choices

Under Canadian privacy legislation, including PIPEDA (Personal Information Protection and Electronic Documents Act), you have significant rights regarding your personal information. We respect these rights and provide clear procedures for exercising them.

Your Rights Include

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to correct inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Withdrawal: Withdraw consent for processing where consent is the legal basis
• Portability: Receive your data in a structured, machine-readable format
• Objection: Object to certain types of processing, particularly for marketing

How to Exercise Your Rights

To make a privacy-related request, contact us using the information provided at the end of this policy. We will respond within 30 days and may require identity verification to protect your information. Some requests may take longer if they are complex or if we receive multiple requests from you.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Different types of information have different retention periods based on legal requirements and business needs.

Retention Periods

• Student Records: 7 years after course completion for certification and verification purposes
• Financial Records: 7 years as required by Canadian tax and business regulations
• Marketing Data: Until you withdraw consent or 3 years of inactivity
• Website Analytics: 26 months for Google Analytics, shorter for other tools
• Support Communications: 3 years for quality assurance and training

When retention periods expire, we securely delete or anonymize your information. However, we may retain certain information longer if required by law or for legitimate business purposes, such as fraud prevention or safety concerns.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, analyze site usage, and provide personalized content. Understanding how these technologies work helps you make informed choices about your privacy preferences.

Types of Cookies We Use

• Essential Cookies: Required for basic site functionality, login, and security
• Performance Cookies: Help us understand how visitors use our site to improve user experience
• Functional Cookies: Remember your preferences and personalize your experience
• Analytics Cookies: Collect anonymous data about site usage and visitor behavior

You can control cookie preferences through your browser settings. However, disabling certain cookies may affect site functionality. We do not use cookies for cross-site tracking or targeted advertising from third parties.

International Data Transfers

While we primarily operate within Canada, some of our service providers may process or store data in other countries, including the United States. When we transfer personal information internationally, we ensure appropriate safeguards are in place to protect your privacy.

• Data processing agreements with international service providers
• Adherence to recognized international privacy frameworks
• Regular reviews of third-party privacy and security practices
• Encryption and security measures for data in transit and at rest

If you have concerns about international data transfers, please contact us to discuss your options and the specific safeguards we have in place.

Children's Privacy

Our financial analysis programs are designed for adult learners and professionals. We do not knowingly collect personal information from individuals under 16 years of age without parental consent. If we become aware that we have inadvertently collected such information, we will delete it promptly.

Parents or guardians who believe their child has provided personal information to us should contact us immediately using the information provided below.

Policy Updates and Changes

We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or service offerings. When we make significant changes, we will notify you through email or prominent notices on our website at least 30 days before the changes take effect.

We encourage you to review this policy regularly to stay informed about how we protect your information. The effective date at the top of this policy indicates when it was last updated. Continued use of our services after policy changes indicates your acceptance of the updated terms.