Privacy Policy

 

Privacy Policy

At [https://lumora.mom/], your privacy is extremely important to us. We are committed to protecting the personal information you share with us when using our website, products, and services. This Privacy Policy explains how we collect, use, disclose, and safeguard your data. By using our site, you agree to the practices described in this policy.

1. Information We Collect

We collect information to provide you with better financial and insurance services. The types of information we may collect include:

a. Personal Information

  • Full name
  • Email address
  • Phone number
  • Mailing/billing address
  • Identification details (where required for insurance purposes)

b. Financial Information

  • Payment details (credit/debit card, bank transfer information, etc.)
  • Insurance policy details
  • Transaction records

c. Non-Personal Information

  • Browser type and version
  • Device information
  • IP address
  • Cookies and usage data (how you interact with our website)

2. How We Collect Information

We gather information through:

  • Direct Input – When you fill out forms, request quotes, or subscribe to our newsletter.
  • Automatic Tracking – Cookies, analytics tools, and server logs.
  • Third-Party Sources – Payment processors, advertising partners, and insurance providers.

3. How We Use Your Information

We use the data collected to:

  1. Provide financial and insurance services you request.
  2. Process transactions and manage billing securely.
  3. Improve our website, products, and user experience.
  4. Send important updates about your account, policies, or changes to services.
  5. Share personalized recommendations on financial and insurance solutions.
  6. Prevent fraud, ensure security, and comply with legal obligations.

We will never sell your personal data to third parties.

4. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to:

  • Remember your preferences.
  • Measure site performance and traffic.
  • Deliver relevant financial and insurance-related content.

You can choose to disable cookies in your browser settings, but some features of the site may not function properly.

5. How We Share Your Information

We may share your data only in the following cases:

  • Service Providers – With trusted third parties (payment gateways, insurance partners, IT support).
  • Legal Requirements – If required by law, regulation, or government authority.
  • Business Transfers – In case of merger, acquisition, or sale of assets.

We ensure that all third parties handling your data maintain the same level of privacy protection.

6. Data Security

Your security is our top priority. We use:

  • Secure Sockets Layer (SSL) encryption
  • Firewalls and intrusion detection systems
  • Access control and password protection
  • Regular security audits

However, no method of transmission over the Internet is 100% secure. While we do our best, we cannot guarantee absolute security.

7. Data Retention

We retain your personal information only as long as necessary to:

  • Provide you with requested services.
  • Fulfill legal or regulatory obligations.
  • Resolve disputes and enforce agreements.

When your data is no longer needed, we securely delete or anonymize it.

8. Your Rights

Depending on your location, you may have the following rights:

  • Access – Request a copy of the personal data we hold.
  • Correction – Update or correct your information.
  • Deletion – Ask us to delete your data where legally possible.
  • Restriction – Limit the way we process your information.
  • Opt-Out – Unsubscribe from marketing emails at any time.

To exercise your rights, contact us at [Your Contact Email].

9. Children’s Privacy

Our website and services are not intended for children under 18. We do not knowingly collect personal information from minors. If you believe we have collected such information, please contact us immediately, and we will take steps to remove it.

10. Third-Party Links

Our website may contain links to external websites. Please note that we are not responsible for the privacy practices of other sites. We encourage you to review the privacy policies of those websites before providing any personal data.

11. International Data Transfers

If you are accessing our website from outside our primary country of operation, your information may be transferred and stored in a country with different data protection laws. By using our services, you consent to such transfers, provided appropriate safeguards are in place.

12. Marketing and Communication

From time to time, we may send you:

  • Newsletters with financial tips.
  • Insurance updates and offers.
  • Service announcements.

You can opt out of promotional emails anytime by clicking “unsubscribe” in the message or contacting us directly.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in law, technology, or business operations. If significant changes are made, we will notify you through email or a prominent notice on our site.

 

Final Note

At [Your Company Name], your trust means everything to us. We promise to handle your information with the highest level of responsibility, transparency, and care. Protecting your financial and insurance data is not just a legal obligation — it’s a commitment we take personally.