Privacy Policy

Information We Collect

Personal Information You Provide

When you create an account with lumeronstiva or use our trading platform, we collect information that you voluntarily provide to us. This includes your name, email address, phone number, and postal address. We also collect identification documents as required by South African financial regulations, including copies of your ID document or passport, proof of residence, and banking details for account verification purposes.

Automatically Collected Information

Our platform automatically collects certain information about your device and usage patterns. This includes your IP address, browser type, operating system, and device identifiers. We track how you navigate through our platform, which pages you visit, and how long you spend on different sections. This data helps us understand user behavior and improve our services.

We also collect trading-related data including your transaction history, market positions, risk preferences, and platform interaction patterns. This information is essential for providing personalized trading insights and maintaining compliance with financial regulations.

How We Use Your Data

lumeronstiva processes your personal information for several legitimate business purposes, always in accordance with applicable data protection laws. Our primary uses include account management, service delivery, regulatory compliance, and platform improvement.

Marketing and Analytics

With your consent, we may use your information to provide you with relevant educational content about disciplined trading strategies and platform features. We analyze usage patterns to understand how our services are used and to identify areas for improvement. You can opt out of marketing communications at any time through your account settings or by following unsubscribe links in our emails.

Data Sharing and Third Parties

lumeronstiva takes a conservative approach to data sharing and only shares your information when necessary for service delivery, legal compliance, or with your explicit consent. We never sell your personal information to third parties for marketing purposes.

Service Providers and Partners

We work with carefully selected third-party service providers who assist us in delivering our platform services. These include payment processors, data hosting providers, customer support platforms, and regulatory reporting services. All service providers are contractually bound to protect your information and may only use it for the specific services they provide to us.

Legal and Regulatory Disclosure

We may disclose your information when required by law, regulation, or legal process. This includes compliance with court orders, regulatory investigations, and reporting requirements under South African financial services legislation. In such cases, we will disclose only the minimum information necessary to meet our legal obligations.

Your Privacy Rights

As a user of lumeronstiva's platform, you have several rights regarding your personal information under South African data protection laws, including the Protection of Personal Information Act (POPIA). We are committed to helping you exercise these rights in a timely and transparent manner.

Access and Portability Rights

You have the right to request a copy of all personal information we hold about you. This includes your account details, transaction history, and any communications we've had. We will provide this information in a commonly used electronic format within 30 days of your request. You can also request that we transfer your data directly to another service provider where technically feasible.

How to Exercise Your Rights

To exercise any of these rights, please contact our privacy team at info@lumeronstiva.com with your request. Include your full name, account email address, and specify which right you wish to exercise. We may need to verify your identity before processing your request to ensure account security. Most requests will be processed within 30 days, though complex requests may take up to 90 days with regular updates on our progress.

Please note that some rights may be limited by regulatory requirements. For example, we cannot delete information that we are legally required to retain for financial compliance purposes. In such cases, we will explain the limitations and what actions we can take.

Security Measures and Data Protection

Protecting your personal and financial information is fundamental to lumeronstiva's operations. We implement multiple layers of security controls to safeguard your data against unauthorized access, alteration, disclosure, or destruction. Our security framework follows industry best practices and meets regulatory standards for financial service providers.

Technical Security Controls

All data transmission between your device and our servers is encrypted using Transport Layer Security (TLS) 1.3 protocols. We encrypt sensitive data at rest using AES-256 encryption standards. Our platform infrastructure is protected by enterprise-grade firewalls, intrusion detection systems, and regular security monitoring. Access to your data is restricted to authorized personnel only, using multi-factor authentication and role-based access controls.

Operational Security Measures

Our data centers are housed in secure facilities with physical access controls, environmental monitoring, and backup power systems. We maintain comprehensive backup and disaster recovery procedures to ensure business continuity. Regular security testing, including penetration testing and vulnerability assessments, helps us identify and address potential weaknesses before they can be exploited.

In the unlikely event of a data breach that poses a risk to your privacy, we will notify you within 72 hours and provide detailed information about what happened, what data was involved, and what steps we're taking to address the situation.

Data Retention and Deletion

lumeronstiva retains your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Our retention periods are based on the type of information, regulatory requirements, and business needs.

Retention Periods by Data Type

Account information and identity verification documents are retained for seven years after account closure, as required by South African financial regulations. Trading transaction records are kept for seven years to meet regulatory reporting requirements. Communication records, including customer support interactions, are retained for three years after the last interaction.

Marketing and analytical data are typically retained for two years unless you request earlier deletion. Device and usage information is automatically deleted after two years unless it's needed for security investigations or regulatory compliance.

Deletion Procedures

When retention periods expire, we securely delete or anonymize your information using industry-standard data destruction methods. For digital data, this involves multi-pass overwriting that makes recovery impossible. Physical documents are securely shredded by certified destruction services.

If you close your account, we will delete non-essential information within 30 days while retaining only what's required by law. You can request early deletion of certain data types, though regulatory requirements may prevent immediate removal of all information.

International Data Transfers

While lumeronstiva is based in South Africa, some of our service providers and technology infrastructure may be located in other countries. When we transfer your personal information internationally, we ensure appropriate safeguards are in place to protect your privacy rights.

Transfer Safeguards

All international data transfers are governed by contractual agreements that require recipients to provide the same level of data protection as required under South African law. We use standard contractual clauses approved by data protection authorities and conduct due diligence assessments of countries and organizations receiving your data.

Our primary data hosting is within South Africa, with backup facilities in countries with adequate data protection frameworks. We avoid transferring data to jurisdictions with insufficient privacy protections unless absolutely necessary for service delivery and with additional safeguards in place.

Cookies and Tracking Technologies

lumeronstiva uses cookies and similar technologies to enhance your platform experience, remember your preferences, and analyze usage patterns. Cookies are small text files stored on your device that help us provide personalized services and improve platform functionality.

Types of Cookies We Use

Essential cookies are necessary for platform functionality and cannot be disabled. These include authentication cookies that keep you logged in and security cookies that protect against unauthorized access. Functional cookies remember your preferences, such as language settings and dashboard layout preferences.

Analytics cookies help us understand how you use our platform, which features are most popular, and where users encounter difficulties. This information is used to improve platform design and functionality. We also use performance cookies to monitor system performance and identify technical issues.

Managing Cookie Preferences

You can control cookie settings through your browser preferences or our cookie management interface. Disabling certain cookies may affect platform functionality, but essential features will continue to work. We provide clear information about each cookie type and its purpose in our cookie policy, accessible from your account settings.