Website Data Protection Policy and Privacy Notice
This is the website data protection policy and privacy notice (“Policy”) for Luminace (as defined below).
"Luminace", "we", "us", “our” means one of Luminace Holdings, LLC.
“Websites” means Luminace websites that link to this Policy unless such websites have their own data protection policy and privacy notice on their websites.
3. THE TYPES OF PERSONAL DATA WE COLLECT
For all other individuals, Luminace may collect and process the following categories of Personal Data about you from the sources identified as follows:
(a) Websites Data. We may collect and process Personal Data about you when you browse the Websites. Websites Data may include information submitted as part of completing online forms on the Websites (including, but not limited to, name, age, date of birth, address, gender, nationality, citizenship and contact information); and technical information collected by cookies (see below) about the services that you use and how you use them, which may include device-specific information, your navigation throughout the Websites, and other technical and browsing preferences including your location and entry point to the Websites. Please note that if you do not provide certain Personal Data to Luminace when requested (and where relevant, provide your consent) we may not be able to provide you with access to all areas of the Website and associated services.
(b) Identity Verification Information. To help us respond to requests for data access and/or deletion requests as required by applicable laws, as well as create and maintain a trusted environment, we may collect identity verification information from you, such as images of your government issued ID, passport, national ID card, or driving license, as permitted by applicable laws, or other authentication information.
(c) Communications Data. We may collect Personal Data that you provide when you contact Luminace for any reason, such as to express an interest in obtaining additional information about our services, direct questions or concerns about our services to us, use a "Contact Us" form or similar features, sign up for our emails or attend an event, or download certain content. Such information may include contact information such as name, job title, company name, phone number, and email address.
(d) Reputation & Background Check Data. We may collect Personal Data from you and from third parties in connection with performing diligence on our service providers and business partners. This data may include contact details, information concerning business practices, creditworthiness, reputation and business history, and job titles or roles.
DO NOT TRACK: Your browser and other mechanisms may permit you to send do-not-track signals or other similar signals via your browser settings to express your preferences regarding online tracking. Due to the lack of any standard for how do-not-track should work on commercial websites, we do not currently respond to such signals. Third parties, such as our analytics providers, from time to time may collect Personal Data that relates to you on the Websites, over other websites. We cannot control third parties’ responses to do-not-track signals or other such mechanisms. Third parties’ use of Personal Data relating to you and responsiveness to do-not-track signals is governed by their respective privacy policies.
4. HOW WE USE YOUR PERSONAL DATA
(a) to provide you with marketing communications and inform you about news and information relating to our business and services, including new product launches, product updates and general business news (see Section 12 below for further information);
(b) to assess your application for Luminace's products and services, where applicable;
(c) to understand your needs and interests and to respond to your enquiries;
(d) to analyze and improve our services;
(e) for the management and administration of our business;
(f) to provide you with the products and services for which you subscribe;
(h) to confirm and verify your identity (this may involve the use of a credit reference agency or other third parties acting as our agents) and to conduct due diligence, background and related checks. We will also screen against publicly available government and/or law enforcement agency sanctions lists. We may use third party providers to conduct these verifications and searches;
(i) to detect, investigate and prevent fraud and other crimes or malpractice;
(j) for the purpose of, or in connection with, any legal proceedings (including prospective legal proceedings);
(k) to obtain legal advice or to establish, exercise or defend legal rights;
(l) the administration and maintenance of databases storing Personal Data;
(m) to comply with our contractual obligations;
(n) for ongoing review and improvement of the information, content and services provided on the Websites to ensure they are user friendly and to prevent any potential disruptions such as cyber-attacks;
(o) to analyze and report on the Websites traffic, marketing and usage trends;
(p) to allow you to use and access functionality provided by the Websites;
(q) to conduct analysis required to detect malicious data and understand how this may affect your IT system;
(r) for statistical monitoring and analysis of current attacks on devices and systems for the on-going adaption of the solutions provided to secure systems and devices against current attacks;
(s) for in-depth threat analysis; and
(t) for purposes otherwise set out in this Policy.
Luminace is entitled to use your Personal Data for these purposes because of the following legal bases:
(a) Luminace needs to do so in order to perform its contractual obligations to you (for example, in order to manage your investments and verify the information you provide);
(b) Luminace has obtained your specific and informed consent (which may include written consent) unless an exemption provided under applicable law permits the use and disclosure of your Personal Data without your consent;
(c) Luminace has legal or regulatory obligations that must be discharged;
(d) Luminace may need to do so in order to establish, exercise or defend its legal rights or for the purpose of legal proceedings; or
(e) the use of your Personal Data is necessary for our legitimate business interests or the legitimate interests of a third party, including (i) allowing Luminace to effectively and efficiently administer and manage the operation of its business; (ii) maintaining compliance with internal policies and procedures; (iii) monitoring the use of our copyrighted materials; (iv) offering optimal, up-to-date security solutions for mobile devices and IT systems; or (v) for internal research purposes.
If you are located in a jurisdiction which requires us to obtain your consent to collect, use, store, process and disclose your Personal Data, you understand that by accepting the terms of this Policy you expressly provide your consent to Luminace collecting, using, storing, processing and disclosing your Personal Data as set out in this Policy.
5. DISCLOSURE OF YOUR PERSONAL DATA TO THIRD PARTIES
(a) for the purpose of the management and administration of Luminace's business;
(b) in order to facilitate the provision and enhancement of services to you (including the management of your investments);
(c) for the purpose of the administration and maintenance of the databases storing Personal Data;
(d) for the purposes of Luminace receiving services (for example, Luminace's accountants, administrators, auditors, service providers, custodians, depositories, third party managers, paying agents, professional advisors, IT and communications providers or any entity we reasonably consider necessary for the purposes outlined above). These third parties will be expected to be subject to confidentiality requirements (either by contract, professional obligation, duty or otherwise) that require them to only use your Personal Data as described above;
(e) to the extent required by law (for example, if Luminace is compelled by an obligation or a duty to disclose your Personal Data where we believe it is necessary or appropriate to comply with any legal obligation, rule, regulations or internal Luminace policies and procedures, including (without limitation) in order to comply with tax reporting requirements and other statutory reporting and disclosures to regulatory authorities), or to establish, exercise or defend its legal rights. This may include disclosure to regulatory bodies or government agencies and in order to investigate unauthorized attempts to modify the Websites, install harmful files or cause damage to the Websites or to Luminace);
(f) as part of a transaction, financing, or for other business needs (for example, if Luminace sells any of its businesses or assets, applies for a loan, or opens bank accounts, in which case Luminace may need to disclose your Personal Data to the prospective buyer, lender or bank, as the case may be, as part of certain due diligence processes); or
(g) if Luminace or any of its affiliates, divisions or business units is acquired by a third party, including in the unlikely event of a bankruptcy, in which case the Personal Data held by Luminace about you will be accessible to, and may be acquired by, the third party buyer.
Luminace may share anonymous or aggregated data with third parties such as service providers in order to facilitate our business operations.
6. LINKS TO OTHER WEBSITES
7. TRANSFERS OF PERSONAL DATA
To the extent that applicable data protection and privacy law do not allow or permit us to obtain your valid consent by virtue of providing this Policy to you, or otherwise rely on the other grounds set out in this Policy for disclosing your Personal Data outside of your jurisdiction under the data protection and privacy law of your jurisdiction, we will obtain your explicit consent through other means (if applicable) or, where relevant, ensure that the recipient is bound by data protection and privacy laws of its jurisdiction to provide a standard of protection to your Personal Data that is equivalent to that under the data protection and privacy laws of your jurisdiction.
In other circumstances, data protection and privacy laws may permit Luminace to otherwise transfer your Personal Data outside your jurisdiction provided it is in compliance with such data protection and privacy laws.
8. HOW WE SAFEGUARD YOUR PERSONAL DATA
As a condition of employment, Luminace employees are required to follow applicable laws and regulations, including in relation to data protection and privacy laws. Unauthorized use or disclosure of confidential investor information by a Luminace employee is prohibited and may result in disciplinary measures.
When you contact a Luminace employee about your file, you may be asked to confirm some details relating to the Personal Data Luminace holds about you. This type of safeguard is designed to ensure that only you, or someone authorized by you, has access to your file.
9. RETENTION AND DESTRUCTION OF PERSONAL DATA
(a) The purpose for which Luminace is using it. Luminace is required to retain the Personal Data for as long as is necessary to satisfy or meet the purposes for which it was obtained including applicable legal or regulatory requirements; and
(b) Legal Obligations. Laws or regulations may set a minimum period for which Luminace must retain your Personal Data.
Depending on the requirements of the data protection law of your jurisdiction, Luminace will take reasonable steps using appropriate technical methods in the circumstances to delete or destroy your Personal Data when we no longer have a legal basis to retain it or to ensure that the information is anonymized or irrecoverable.
10. YOUR RIGHTS
(a) the right to refuse to provide any Personal Data and the right to object at any time to the processing of your Personal Data. Please note that such refusal or objection may prevent us from providing services to you;
(b) the right to obtain information regarding the processing of your Personal Data and access to the Personal Data about you that Luminace holds (including any available information as to the source of the Personal Data);
(c) where consent was provided for certain processing activities, the right to withdraw your consent to the collection, processing, use and/or disclosure of your Personal Data at any time. Please note, however, that this will not affect the lawfulness of any collection, processing, use or disclosure undertaken before your withdrawal and that Luminace may still be entitled to process your Personal Data if it has another legitimate reason (other than consent) or a consent exception for doing so. In some cases, withdrawing your consent to the collection, use process or disclosure of some or all of your Personal Data may prevent us from providing services to you;
(d) in some circumstances, the right to receive some Personal Data in a structured, commonly used and machine-readable format and/or request that Luminace transmit that data to a third party where this is technically feasible. Please note that this right only applies to Personal Data that you have provided to Luminace;
(e) the right to request that Luminace rectify your Personal Data if it is inaccurate or incomplete;
(f) in some circumstances, the right to request that Luminace erase your Personal Data. Please note that such a request may prevent us from providing services to you and there may be circumstances where Luminace is legally entitled to retain Personal Data regardless of any such request;
(g) in some circumstances, the right to request that Luminace restrict or block its processing of your Personal Data. Please note that such a request may prevent us from providing services to you and there may be circumstances where Luminace is legally entitled to retain Personal Data regardless of any such request; and
(h) where applicable, the right to lodge a complaint with the data protection regulator in your jurisdiction if you think that any of your rights have been infringed by Luminace.
You can enquire about your rights, which are applicable to you, by contacting Luminace using the details listed below in Section 16. If you wish to exercise any of the rights, which are applicable to you, when you contact Luminace using the details listed below, you will be asked to complete a ‘Subject Access Request Form’.
12. PROCESSING OF PERSONAL DATA FOR MARKETING PURPOSES
Your option not to receive promotional and marketing material: (a) shall not preclude us from corresponding with you, by email or otherwise, regarding your relationship with us (e.g., your account status and activity or our responses to questions or inquiries you pose to us); (b) shall not preclude us, including our employees, contractors, agents and other representatives, from accessing and viewing your Personal Data for our internal business purposes; and (c) shall not preclude us from disclosing your Personal Data as described in this Policy for purposes other than sending you promotional and marketing materials.
13. Use of Personal Data in relation to data subjects in Canada
14. CALIFORNIA PRIVACY RIGHTS
Effective January 1, 2020, the California Consumer Privacy Act (CCPA) provides you with certain rights that are in addition to the rights set out in Section 10 above:
⚫ The right to request, up to twice in a twelve month period, your Personal Data in a format that is portable and, to the extent technically feasible, in a readily useable format that will allow you to transmit it to another entity.
⚫ The right to request that Luminace delete your Personal Data, except in circumstances where Luminace is legally entitled to retain Personal Data regardless of any such request.
⚫ The right to opt out of any sale of your Personal Data to any third parties, without experiencing any discrimination, as defined under the law, as a result of your exercise of this right. Note that Luminace does not sell Personal Data to third parties.
If you are a California resident, Personal Data will include the full definition of “Personal Information” under the CCPA.
If you wish to exercise any of the rights enumerated in this section, please contact us at email@example.com.
15. QUESTIONS AND CONCERNS
We are typically able to resolve privacy questions or concerns promptly and effectively. If you are not satisfied with the response you receive from our Privacy Officer, you may escalate concerns to the applicable privacy regulator in your jurisdiction, the details of which can be obtained from the Privacy Officer.
16. Luminace Privacy Office CONTACT INFORMATION