When you use our services, we collect different types of information to provide you with tailored financial planning guidance. Here's what we gather and why it matters.

Personal Identification Information

We collect basic details like your name, email address, phone number, and postal address when you register for our programs or request information. This helps us communicate with you effectively and deliver educational materials to the right place.

Financial Information

For our financial planning courses, you might choose to share information about your financial goals, income ranges, or budgeting challenges. This isn't mandatory for all courses, but it helps us tailor examples and case studies to your situation. We never ask for bank account numbers or credit card details through our educational platform.

Technical Data

Like most websites, we automatically collect certain technical information when you visit lumythenora.com. This includes your IP address, browser type, device information, and how you navigate through our site. We use this to improve user experience and fix technical issues.

• Browser and device characteristics
• Operating system details
• Pages visited and time spent on each page
• Referring website addresses
• Geographic location data (city/region level)

We're pretty straightforward about what we do with your data. Everything we collect serves a specific purpose related to delivering quality financial education.

Service Delivery

Your contact information lets us send course materials, respond to your questions, and keep you updated about program schedules. If you've enrolled in a learning program starting in late 2025 or early 2026, we'll use your details to send reminders and course resources.

Personalization

The information you share about your financial goals helps us suggest relevant courses and resources. For example, someone interested in retirement planning will see different recommendations than someone focused on debt management strategies.

Communication

We'll email you about program updates, new course offerings, and educational content that might interest you. Don't worry though — you can opt out of marketing emails anytime while still receiving essential service-related messages.

We store your information on secure servers located in Australia, which means your data is protected under Australian privacy laws. Our security measures include encryption, regular security audits, and restricted access protocols.

Security Measures

All data transmitted between your browser and our servers is encrypted using industry-standard SSL technology. Our team receives regular training on data protection practices, and we limit access to personal information based on job requirements.

• 256-bit SSL encryption for data transmission
• Regular security vulnerability assessments
• Multi-factor authentication for staff access
• Automated backup systems with encryption
• Incident response procedures for potential breaches

Data Retention

We keep your information for as long as you maintain an active relationship with us. If you haven't interacted with our services for three years, we'll reach out to confirm whether you want to keep your account active. After that, we'll either delete or anonymize your data.

Under Australian privacy legislation, you have several rights regarding your personal information. We respect these rights and make it easy for you to exercise them.

To exercise any of these rights, contact our privacy team using the details at the bottom of this page. We'll verify your identity and respond to your request as quickly as possible.

We don't hand over your information to random third parties. When we do share data, it's with trusted partners who help us deliver our services, and they're bound by strict confidentiality agreements.

Service Providers

Some operational tasks require working with external providers — like our email service for sending course materials or our payment processor for handling enrollment fees. These companies can only use your information for the specific services they provide to us.

Legal Requirements

Occasionally, we might need to disclose information to comply with Australian law, respond to valid legal processes, or protect the rights and safety of our users. If this happens, we'll only share what's absolutely necessary.

Business Transfers

If lumythenora were to merge with another company or undergo restructuring, your information might be transferred as part of that transaction. We'd notify you beforehand and ensure the new entity honors this privacy policy.

Our website uses cookies — small text files stored on your device that help us understand how you use our site. You can control cookie settings through your browser, though disabling them might affect site functionality.

We also use analytics tools to track general usage patterns. This data is aggregated and anonymized, so we can't identify individual users from it.

Our financial planning courses are designed for adults. We don't knowingly collect information from anyone under 18 years old. If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it.

Your data primarily stays within Australia. However, some of our service providers operate internationally. When data crosses borders, we ensure adequate safeguards are in place through standard contractual clauses and other approved transfer mechanisms.

If you're accessing our services from outside Australia, your information will be transferred to and processed in Australia, where data protection standards might differ from your home country.

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email or through a prominent notice on our website at least 30 days before the changes take effect.

Minor updates, like clarifying existing practices or fixing typos, might not trigger notifications. We encourage you to check this page occasionally to stay informed about how we protect your information.

As an Australian-based organization, lumythenora complies with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988. These principles govern how we collect, use, store, and disclose personal information.

We're committed to handling your information in accordance with APP requirements, which include being transparent about our data practices, securing your information appropriately, and giving you access to your data. If you have concerns about how we handle your information, you can lodge a complaint with the Office of the Australian Information Commissioner.