Your Privacy Matters
Privacy Policy
How we collect, use, and protect your personal information
Effective Date
September 3, 2026
At LuminaWealthAI, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered investment platform.
1. Introduction
LuminaWealthAI ("we," "us," or "our") is committed to protecting your privacy and personal data. This Privacy Policy describes:
- What information we collect and why
- How we use your information
- Who we share your information with
- How we protect your information
- Your rights regarding your information
GDPR Compliance: We comply with the General Data Protection Regulation (GDPR) and other applicable data protection laws. If you are a European Union resident, you have additional rights under GDPR.
2. Information We Collect
2.1 Personal Information
We collect the following personal information when you create an account:
| Category | Examples | Purpose |
|---|---|---|
| Identity Data | Full name, date of birth, nationality | Account creation, KYC verification |
| Contact Data | Email address, phone number, residential address | Communication, account recovery |
| Financial Data | Bank account details, cryptocurrency wallet addresses, transaction history | Deposits, withdrawals, trading |
| Verification Data | Government-issued ID, proof of address documents, selfie | KYC/AML compliance |
| Technical Data | IP address, browser type, device information, login times | Security, fraud prevention |
| Usage Data | Trading activity, investment preferences, platform interactions | Service improvement, AI optimization |
2.2 Information from Third Parties
We may receive information about you from:
- KYC verification providers: Identity verification services
- Payment processors: Transaction and payment information
- Blockchain networks: Cryptocurrency transaction data
- Regulatory authorities: Information required for compliance
2.3 Information We Do NOT Collect
We do not collect:
- Your private keys or seed phrases (you maintain full control)
- Sensitive biometric data (except for optional facial recognition for 2FA)
- Health information, religious beliefs, or political opinions
- Information about children under 18
3. How We Use Your Information
We use your information for the following purposes:
3.1 Core Services
- Create and manage your account
- Process deposits, withdrawals, and trades
- Execute AI trading strategies on your behalf
- Provide customer support
- Send transaction confirmations and notifications
3.2 Security & Compliance
- Verify your identity (KYC/AML compliance)
- Detect and prevent fraud, money laundering, and illegal activities
- Monitor for suspicious account activity
- Comply with legal and regulatory requirements
- Enforce our Terms of Service
3.3 Platform Improvement
- Analyze usage patterns to improve our AI algorithms
- Develop new features and strategies
- Optimize platform performance and user experience
- Conduct research and analytics
3.4 Marketing & Communications
- Send promotional emails and newsletters (with your consent)
- Inform you about new features, strategies, or platform updates
- Provide personalized recommendations based on your investment preferences
Legal Basis for Processing: We process your data based on: (1) contract performance (to provide our services), (2) legal obligations (KYC/AML compliance), (3) legitimate interests (security, fraud prevention), and (4) your consent (marketing communications).
4. Information Sharing & Disclosure
We do not sell your personal information. We may share your information with:
4.1 Service Providers
We share information with third-party service providers who help us operate our platform:
- KYC verification providers: To verify your identity
- Payment processors: To process deposits and withdrawals
- Cloud hosting providers: To store data securely
- Customer support tools: To provide support services
- Analytics providers: To analyze platform usage
4.2 Legal Requirements
We may disclose your information when required by:
- Court orders or legal proceedings
- Regulatory authorities (SEC, FinCEN, etc.)
- Law enforcement agencies
- Tax authorities
4.3 Business Transfers
If LuminaWealthAI is involved in a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. We will notify you of any such change.
4.4 With Your Consent
We may share your information with third parties when you explicitly consent to such sharing.
Important: We never share your private keys, passwords, or 2FA codes with anyone. You maintain full control of your cryptographic keys.
5. Data Security
We implement industry-leading security measures to protect your information:
- 256-bit SSL encryption: All data transmitted between your browser and our servers is encrypted
- Cold storage: 95% of cryptocurrency assets are stored in offline cold storage
- Multi-signature wallets: Require multiple approvals for large transactions
- Two-factor authentication (2FA): Mandatory for all accounts
- AI fraud detection: Real-time monitoring for suspicious activity
- Regular security audits: Quarterly third-party penetration testing
- Employee access controls: Strict access controls and background checks
- Data encryption at rest: All stored data is encrypted
Security Certifications: We are SOC 2 Type II certified, ISO 27001 compliant, and PCI DSS Level 1 compliant. Our security practices meet or exceed industry standards.
Despite our best efforts, no security system is impenetrable. In the event of a data breach, we will notify affected users and regulatory authorities as required by law.
6. Data Retention
We retain your information for as long as necessary to:
- Provide our services to you
- Comply with legal and regulatory requirements (typically 5-7 years for financial records)
- Resolve disputes and enforce our agreements
- Maintain security and prevent fraud
When we no longer need your information, we securely delete or anonymize it. Specific retention periods:
| Data Type | Retention Period |
|---|---|
| Account information | Duration of account + 5 years after closure |
| Transaction records | 7 years (regulatory requirement) |
| KYC documents | 5 years after account closure |
| Marketing preferences | Until you unsubscribe or close account |
| Technical logs | 90 days (for security purposes) |
7. Your Rights
Depending on your location, you may have the following rights regarding your personal data:
7.1 Access & Portability
- Right to access: Request a copy of your personal data
- Right to portability: Receive your data in a machine-readable format
7.2 Correction & Deletion
- Right to rectification: Correct inaccurate or incomplete data
- Right to erasure: Request deletion of your data ("right to be forgotten")
7.3 Objection & Restriction
- Right to object: Object to processing of your data for certain purposes
- Right to restriction: Request limitation of data processing
7.4 Marketing Preferences
- Right to opt-out: Unsubscribe from marketing communications at any time
- Right to withdraw consent: Withdraw consent for data processing
How to Exercise Your Rights: To exercise any of these rights, contact our Data Protection Officer at privacy@luminawealthai.com. We will respond within 30 days.
Limitations: Some rights may be limited by legal obligations. For example, we cannot delete transaction records required for regulatory compliance, even if you request erasure.
8. Cookies & Tracking Technologies
We use cookies and similar tracking technologies to:
- Essential cookies: Required for platform functionality (authentication, security)
- Performance cookies: Analyze platform usage and improve performance
- Functionality cookies: Remember your preferences and settings
- Analytics cookies: Track user behavior for platform optimization
You can control cookies through your browser settings. However, disabling essential cookies may prevent you from using certain platform features.
Do Not Track: We honor "Do Not Track" browser settings and do not track users who have enabled this feature.
9. Third-Party Services & Links
Our Platform may contain links to third-party websites or integrate with third-party services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.
Third-party services we use include:
- Cloud hosting providers (AWS, Google Cloud)
- Payment processors (Stripe, PayPal)
- KYC verification providers (Onfido, Jumio)
- Analytics tools (Google Analytics, Mixpanel)
- Blockchain explorers and APIs
10. Children's Privacy
LuminaWealthAI is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately at privacy@luminawealthai.com, and we will delete the information.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make changes:
- We will update the "Effective Date" at the top of this policy
- For material changes, we will notify you via email or platform notification at least 30 days before the changes take effect
- Your continued use of the Platform after the effective date constitutes acceptance of the updated policy
- We encourage you to review this policy periodically
12. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact:
Data Protection Officer:
Email: privacy@luminawealthai.com
Phone: +1 (555) 123-4567
Address: 123 AI Street, San Francisco, CA 94105, USA
Email: privacy@luminawealthai.com
Phone: +1 (555) 123-4567
Address: 123 AI Street, San Francisco, CA 94105, USA
For EU residents, you also have the right to lodge a complaint with your local data protection authority.
By using LuminaWealthAI, you acknowledge that you have read and understood this Privacy Policy and consent to our collection, use, and disclosure of your information as described herein.