Information We Collect

Running a financial analysis platform means we need certain information to provide our services properly. Here's what we gather and why it matters.

Personal Information You Provide

When you sign up or contact us, we collect basic details like your name, email address, phone number, and company information. If you're enrolling in our learning programs, we'll ask about your professional background and educational interests. This helps us tailor the experience to what you actually need.

Financial Data

For profitability analysis, we process financial information you choose to share. This might include revenue figures, expense data, and business performance metrics. We only access what's necessary for the specific analysis you're requesting. You control what data you upload to our platform.

Technical Information

Like most websites, we automatically collect some technical data. Your IP address, browser type, device information, and how you interact with our site. This helps us fix bugs, improve performance, and understand which features people actually use.

How We Use Your Information

We're not in the business of hoarding data. Everything we collect serves a specific purpose related to delivering our services or meeting legal requirements.

• Providing financial analysis and profitability insights based on the data you submit
• Managing your account, processing enrollments, and handling service requests
• Sending course updates, program information, and educational content you've signed up for
• Improving our platform based on usage patterns and feedback
• Responding to support inquiries and troubleshooting technical issues
• Meeting regulatory requirements under Australian financial services law
• Protecting against fraud and maintaining platform security

Data Sharing and Third Parties

Sometimes we work with other companies to deliver our services. When we do, we're careful about what information they access and how they handle it.

Service Providers

We use trusted third-party services for things like hosting, payment processing, and email communications. These providers only get access to the data they need to perform their specific functions. They're contractually bound to protect your information and can't use it for their own purposes.

Business Partners

If you enroll in programs that involve collaboration with industry partners, we'll share relevant information with them. But only after getting your clear consent first. You'll know exactly who's getting what information and why.

Legal Requirements

We may disclose information when required by Australian law, court orders, or government regulations. This includes complying with Australian Taxation Office requirements, ASIC regulations, or responding to valid legal processes. We'll notify you when legally permitted to do so.

Data Security and Storage

Protecting your information is something we take seriously. We've implemented multiple layers of security to keep your data safe from unauthorized access, loss, or misuse.

Security Measures

• Industry-standard encryption for data transmission and storage
• Regular security audits and vulnerability assessments
• Restricted access controls with multi-factor authentication for staff
• Secure Australian-based data centers with physical security measures
• Regular backups and disaster recovery procedures
• Employee training on data protection and privacy practices

Data Retention

We keep your information for as long as you're using our services, plus whatever retention period Australian law requires. Financial records typically need to be kept for seven years under tax regulations. Once the retention period expires and there's no legal reason to keep it, we securely delete your data.

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do and how to exercise these rights.

How to Exercise Your Rights

To make a request, email us at support@lumiarentivo.com with details about what you're looking for. We'll verify your identity to protect your information, then respond within 30 days. Some requests might take longer if they're complex or we're dealing with high volumes, but we'll keep you updated.

If you're not satisfied with how we've handled your privacy concerns, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). Their contact details are available at oaic.gov.au.

Cookies and Tracking

We use cookies and similar technologies to make our platform work better and understand how people use it. Most of these are essential for basic functionality, but some help us improve the experience.

Types of Cookies We Use

• Essential cookies that keep you logged in and remember your preferences
• Analytics cookies that show us which features get used most
• Performance cookies that help us identify and fix technical issues

You can control cookies through your browser settings. Just know that blocking essential cookies might stop certain features from working properly.

Educational Programs and Learning Data

When you participate in our learning programs, we collect additional information about your progress and engagement. This helps us improve course content and provide better support.

What We Track

We monitor course completion rates, quiz scores, time spent on different modules, and which topics generate the most questions. This data helps us identify where people struggle and where content needs improvement. Your individual learning data stays private and isn't shared with other students or publicly displayed.

Program Communications

If you enroll in programs scheduled for late 2025 or 2026, we'll send you updates about schedules, content changes, and important announcements. You can opt out of non-essential communications anytime, but you'll still receive critical program information related to your enrollment.

International Data Transfers

We primarily store data in Australian data centers, but some service providers we use have servers overseas. When data leaves Australia, we ensure appropriate safeguards are in place.

Any international transfers comply with Australian Privacy Principles. We use providers in countries with adequate privacy protections or implement additional security measures like standard contractual clauses. You can request details about specific transfers by contacting us.

Children's Privacy

Our services are designed for business professionals and aren't intended for anyone under 18. We don't knowingly collect information from children. If we discover we've accidentally collected data from someone under 18, we'll delete it promptly.

Changes to This Policy

We update this policy occasionally 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 platform. The "Last Updated" date at the top shows when the most recent changes took effect.

We recommend checking this page periodically if you want to stay informed about how we're handling your information. Continued use of our services after changes means you accept the updated policy.