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Privacy Policy

Your privacy matters to us. Learn how Luminetha protects and manages your personal information with transparency and care.

Last Updated: January 15, 2024

Introduction & Overview

Welcome to Luminetha, Malaysia's premier platform for developing entrepreneurial mindsets and financial literacy. This Privacy Policy explains how we collect, use, protect, and share your personal information when you interact with our services at luminetha.sbs.

We understand that building an entrepreneurial mindset requires trust – and that trust begins with how we handle your personal data. This policy covers all interactions with our platform, from browsing our learning programs to participating in our community discussions.

Important Notice

By using Luminetha services, you acknowledge that you have read, understood, and agree to this Privacy Policy. If you disagree with any part of this policy, please discontinue use of our services immediately.

Information We Collect

To provide you with personalized financial education and entrepreneurship training, we collect several types of information. Here's what we gather and why:

Personal Information You Provide

  • Name, email address, and phone number when you register for our programs
  • Educational and professional background to tailor learning recommendations
  • Payment information for course enrollments and services (processed securely through third-party providers)
  • Communication preferences and feedback on our programs
  • Progress data and quiz results to track your learning journey

Information We Collect Automatically

  • Device information including IP address, browser type, and operating system
  • Usage patterns such as pages visited, time spent on content, and click-through rates
  • Location data (general geographic area, not precise location)
  • Cookies and similar tracking technologies for website functionality

Malaysian Data Protection Compliance

All data collection practices comply with Malaysia's Personal Data Protection Act 2010 (PDPA). We collect only information necessary for providing our educational services and improving your learning experience.

How We Use Your Information

Your information helps us create a more effective and personalized learning environment. We use your data responsibly for these specific purposes:

Educational Services

  • Delivering personalized learning programs based on your goals and progress
  • Tracking your advancement through our entrepreneurship curriculum
  • Providing certificates and credentials upon program completion
  • Connecting you with relevant mentors and peer learning groups

Communication & Support

  • Sending important updates about your enrolled programs
  • Responding to your questions and providing technical support
  • Sharing relevant financial education resources and industry insights
  • Notifying you about new programs that match your interests

Platform Improvement

  • Analyzing usage patterns to enhance our learning platform
  • Developing new features based on user feedback and behavior
  • Ensuring platform security and preventing fraudulent activities
  • Conducting research to improve educational outcomes

Information Sharing & Disclosure

We believe in keeping your information private and secure. We never sell your personal data to third parties. However, there are specific situations where we may share information:

Service Providers

We work with trusted third-party providers who help us deliver our services. These include payment processors, email service providers, and cloud hosting services. All service providers are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by Malaysian law or in response to valid legal processes such as court orders or government investigations. We will notify you of such requests unless prohibited by law.

Business Transfers

In the unlikely event of a merger, acquisition, or sale of assets, user information may be transferred as part of the business transaction. You will be notified of any such change in ownership or control of your personal information.

Your Consent

We will never share your personal information with third parties for their marketing purposes without your explicit consent. You have full control over how your information is used beyond our core educational services.

Your Rights & Choices

Under Malaysian data protection laws and our commitment to transparency, you have several important rights regarding your personal information:

Access & Correction

  • Request a copy of all personal information we hold about you
  • Update or correct any inaccurate information in your profile
  • View your learning progress and data history at any time
  • Download your certificates and achievement records

Data Control

  • Opt out of marketing communications while keeping essential service updates
  • Adjust your privacy settings and communication preferences
  • Request deletion of your account and associated data (subject to legal retention requirements)
  • Limit how we use your information for platform improvements

How to Exercise Your Rights

To exercise any of these rights, contact us at [email protected] with "Privacy Request" in the subject line. We'll respond within 21 days and may need to verify your identity to protect your information.

Data Security & Protection

Protecting your personal information is our top priority. We've implemented comprehensive security measures to safeguard your data:

Technical Safeguards

  • SSL encryption for all data transmission between your device and our servers
  • Regular security audits and penetration testing by independent security firms
  • Multi-factor authentication for administrative access to user data
  • Secure cloud infrastructure with redundant backups and disaster recovery

Operational Security

  • Limited access to personal data on a need-to-know basis
  • Regular staff training on data protection and privacy best practices
  • Incident response procedures for any potential security breaches
  • Regular updates and patches to all systems and software

Security Notice

While we implement industry-standard security measures, no system is 100% secure. Please use strong passwords and keep your login credentials confidential. Report any suspicious activity immediately.

Data Retention & Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations:

Active Account Data

While your account is active, we retain all your learning data, progress records, and profile information to provide continuous service. This includes your course completions, certificates, and communication history.

Account Closure

When you close your account, we will delete most personal information within 90 days. However, we may retain certain data for up to 7 years as required by Malaysian financial and business regulations, including:

  • Payment records and transaction history
  • Certificate issuance records for verification purposes
  • Communications related to disputes or legal matters

Anonymized Data

We may retain anonymized usage statistics and learning outcome data indefinitely for research and platform improvement purposes. This data cannot be linked back to individual users.

Cookies & Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. Here's how we use them and how you can control them:

Essential Cookies

These cookies are necessary for basic website functionality, including keeping you logged in, remembering your preferences, and ensuring security. You cannot opt out of essential cookies without affecting platform functionality.

Analytics Cookies

We use analytics cookies to understand how users interact with our platform, which helps us improve the learning experience. These cookies collect anonymized data about page views, session duration, and feature usage.

Managing Cookies

You can control cookies through your browser settings or our cookie preference center. Note that disabling certain cookies may limit some platform features. We do not use third-party advertising cookies on our educational platform.

International Data Transfers

While Luminetha is based in Malaysia, some of our service providers may process data outside of Malaysia. When this occurs:

Transfer Safeguards

  • All international transfers comply with Malaysian PDPA requirements
  • Service providers must implement equivalent data protection measures
  • We use standard contractual clauses to ensure data protection
  • Data is only transferred to countries with adequate protection levels

Your Control

If you prefer that your data remains within Malaysia, please contact us to discuss alternative arrangements. We'll work with you to find suitable solutions for your privacy preferences.

Children's Privacy

Luminetha's programs are designed for adults seeking entrepreneurial and financial education. We do not knowingly collect personal information from children under 18 years of age.

Age Verification

All users must confirm they are 18 or older when creating an account. If we discover that we have collected information from someone under 18, we will delete that information immediately and terminate the account.

Parental Concerns

If you believe your child has provided personal information to us, please contact us immediately at [email protected]. We will investigate and take appropriate action promptly.

Updates to This Policy

As our services evolve and privacy regulations change, we may update this Privacy Policy. Here's how we handle changes:

Notification Process

  • Major changes will be announced via email at least 30 days in advance
  • We'll post notifications on our platform highlighting key changes
  • Updated policy versions will always show the revision date
  • You can review the full change history upon request

Your Options

If you disagree with policy changes, you can close your account before the changes take effect. Continued use of our services after the effective date means you accept the updated policy.

Contact Us About Privacy

Have questions about this Privacy Policy or how we handle your data?
We're here to help and committed to transparency.

Email: [email protected]
Phone: +6053234266
Address: 1753, Jalan Rock, 93200 Kuching, Sarawak, Malaysia

Response time: We typically respond to privacy inquiries within 2-3 business days.