4. DO WE USE
COOKIES AND OTHER TRACKING
TECHNOLOGIES?
In Short: We may use cookies
and other tracking technologies to collect and store your
information.
We may
use cookies and similar tracking technologies (like web beacons and pixels) to access or
store information. Specific information about how we use such technologies and how you can
refuse certain cookies is set out in our Cookie Notice
.
5. HOW LONG
DO WE KEEP YOUR INFORMATION?
In Short: We keep your
information for as long as necessary to fulfill the purposes outlined in this privacy
notice unless otherwise required by law.
We will
only keep your personal information for as long as it is necessary for the purposes set
out in this privacy notice, unless a longer retention period is required or permitted by
law (such as tax, accounting or other legal requirements). No purpose in this notice will
require us keeping your personal information for longer than
the period of time in which users have an account with
us
.
When we
have no ongoing legitimate business need to process your personal information, we will
either delete or anonymize such information, or, if this is not possible (for example,
because your personal information has been stored in backup archives), then we will
securely store your personal information and isolate it from any further processing until
deletion is possible.
6. HOW DO WE
KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect
your personal information through a system of organizational and technical security
measures.
We have
implemented appropriate technical and organizational security measures designed to protect
the security of any personal information we process. However, despite our safeguards and
efforts to secure your information, no electronic transmission over the Internet or
information storage technology can be guaranteed to be 100% secure, so we cannot promise
or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be
able to defeat our security, and improperly collect, access, steal, or modify your
information. Although we will do our best to protect your personal information,
transmission of personal information to and from our
Website
is at your
own risk. You should only access the
Website
within a
secure environment.
7. WHAT ARE
YOUR PRIVACY RIGHTS?
In Short:
In some regions, such as the European Economic Area
(EEA) and United Kingdom (UK), you have rights that allow you greater access to and
control over your personal information.
You may review, change, or terminate your account at any
time.
In some
regions (like the EEA and UK), you have certain rights under applicable data protection
laws. These may include the right (i) to request access and obtain a copy of your personal
information, (ii) to request rectification or erasure; (iii) to restrict the processing of
your personal information; and (iv) if applicable, to data portability. In certain
circumstances, you may also have the right to object to the processing of your personal
information. To make such a request, please use the contact details provided below.
We will consider and act upon any request in accordance with applicable data protection
laws.
If we
are relying on your consent to process your personal information, you have the right to
withdraw your consent at any time. Please note however that this will not affect the
lawfulness of the processing before its withdrawal, nor will it affect the processing of
your personal information conducted in reliance on lawful processing grounds other than
consent.
If you
have questions or comments about your privacy rights, you may email us at
contact@luumen.io
.
Account
Information
If you would at any time like to review or change
the information in your account or terminate your account, you can:
-
Contact us using the contact information provided.
-
Log in to your account settings and update your user
account.
Upon
your request to terminate your account, we will deactivate or delete your account and
information from our active databases. However, we may retain some information in our
files to prevent fraud, troubleshoot problems, assist with any investigations, enforce
our Terms of Use and/or comply with applicable legal requirements.
Cookies and similar technologies:
Most Web browsers are set to accept cookies by default. If you prefer, you can usually
choose to set your browser to remove cookies and to reject cookies. If you choose to
remove cookies or reject cookies, this could affect certain features or services of our
Website
. To opt-out
of interest-based advertising by advertisers on our
Website
visit http://www.aboutads.info/choices/.
Opting out of email marketing: You
can unsubscribe from our marketing email list at any time by clicking on the unsubscribe
link in the emails that we send or by contacting us using the details provided below. You
will then be removed from the marketing email list — however, we may still communicate
with you, for example to send you service-related emails that are necessary for the
administration and use of your account, to respond to service requests, or for other
non-marketing purposes. To otherwise opt-out, you may:
-
Contact us using the contact
information provided.
-
Access your account settings and
update your preferences.
8. CONTROLS
FOR DO-NOT-TRACK FEATURES
Most
web browsers and some mobile operating systems and mobile applications include a
Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference
not to have data about your online browsing activities monitored and collected. At this
stage no uniform technology standard for recognizing and implementing DNT signals has been
finalized. As such, we do not currently respond to DNT browser signals or any other
mechanism that automatically communicates your choice not to be tracked online. If a
standard for online tracking is adopted that we must follow in the future, we will inform
you about that practice in a revised version of this privacy notice.
9. DO
CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY
RIGHTS?
In Short: Yes, if you are a
resident of California, you are granted specific rights regarding access to your
personal information.
California Civil Code Section 1798.83, also known as the
"Shine The Light" law, permits our users who are California residents to request and
obtain from us, once a year and free of charge, information about categories of personal
information (if any) we disclosed to third parties for direct marketing purposes and the
names and addresses of all third parties with which we shared personal information in the
immediately preceding calendar year. If you are a California resident and would like to
make such a request, please submit your request in writing to us using the contact
information provided below.
If you
are under 18 years of age, reside in California, and have a registered account with
the Website
, you have the
right to request removal of unwanted data that you publicly post on the
Website
. To request
removal of such data, please contact us using the contact information provided below, and
include the email address associated with your account and a statement that you reside in
California. We will make sure the data is not publicly displayed on the
Website
, but please
be aware that the data may not be completely or comprehensively removed from all our
systems (e.g. backups, etc.).
CCPA Privacy
Notice
The California Code of Regulations defines a
"resident" as:
(1)
every individual who is in the State of California for other than a temporary or
transitory purpose and
(2)
every individual who is domiciled in the State of California who is outside the State of
California for a temporary or transitory purpose
All
other individuals are defined as "non-residents."
If this
definition of "resident" applies to you, we must adhere to certain rights and obligations
regarding your personal information.
What categories of personal information do we
collect?
We have
collected the following categories of personal information in the past twelve (12)
months:
|
Category
|
Examples
|
Collected
|
|
A. Identifiers
|
Contact details, such as real name, alias, postal
address, telephone or mobile contact number, unique personal identifier, online
identifier, Internet Protocol address, email address and account
name
|
NO
|
|
B. Personal information categories listed in the
California Customer Records statute
|
Name, contact information, education, employment,
employment history and financial information
|
YES
|
|
C. Protected classification characteristics under
California or federal law
|
Gender and date of birth
|
NO
|
|
D. Commercial information
|
Transaction information, purchase history, financial
details and payment information
|
NO
|
|
E. Biometric information
|
Fingerprints and voiceprints
|
NO
|
|
F. Internet or other similar network
activity
|
Browsing history, search history, online behavior,
interest data, and interactions with our and other websites, applications, systems
and advertisements
|
NO
|
|
G. Geolocation data
|
Device location
|
NO
|
|
H. Audio, electronic, visual, thermal, olfactory, or
similar information
|
Images and audio, video or call recordings created
in connection with our business activities
|
NO
|
|
I. Professional or employment-related
information
|
Business contact details in order to provide you our
services at a business level, job title as well as work history and professional
qualifications if you apply for a job with us
|
NO
|
|
J. Education Information
|
Student records and directory
information
|
NO
|
|
K. Inferences drawn from other personal
information
|
Inferences drawn from any of the collected personal
information listed above to create a profile or summary about, for example, an
individual’s preferences and characteristics
|
NO
|
We may
also collect other personal information outside of these categories instances where you
interact with us in-person, online, or by phone or mail in the context of:
- Receiving help through our customer support
channels;
- Participation in customer surveys or contests;
and
- Facilitation in the delivery of our Services and to
respond to your inquiries.
How do we use and share your personal
information?
More
information about our data collection and sharing practices can be found in this privacy
notice
.
You may
contact us
by email at
contact@luumen.io,
Community Discord Channel,
or by referring to the contact details at the bottom of this
document.
If you
are using an authorized agent to exercise your right to opt-out we may deny a request if
the authorized agent does not submit proof that they have been validly authorized to act
on your behalf.
Will your information be shared with anyone
else?
We may
disclose your personal information with our service providers pursuant to a written
contract between us and each service provider. Each service provider is a for-profit
entity that processes the information on our behalf.
We may
use your personal information for our own business purposes, such as for undertaking
internal research for technological development and demonstration. This is not considered
to be "selling" of your personal data.
Luuumen Finance
has not disclosed or sold any personal
information to third parties for a business or commercial purpose in the preceding 12
months.
Luuumen Finance
will not sell personal information in the future belonging to
website visitors, users and other consumers.
Your rights with respect to your personal
data
Right to request deletion of the data - Request to
delete
You can
ask for the deletion of your personal information. If you ask us to delete your personal
information, we will respect your request and delete your personal information, subject to
certain exceptions provided by law, such as (but not limited to) the exercise by another
consumer of his or her right to free speech, our compliance requirements resulting from a
legal obligation or any processing that may be required to protect against illegal
activities.
Right to be informed - Request to
know
Depending on the circumstances, you have a right to
know:
- whether we collect and use your personal information;
- the
categories of personal information that we collect;
- the
purposes for which the collected personal information is used;
- whether we sell your personal information to third
parties;
- the
categories of personal information that we sold or disclosed for a business
purpose;
- the
categories of third parties to whom the personal information was sold or disclosed for a
business purpose; and
- the
business or commercial purpose for collecting or selling personal information.
In
accordance with applicable law, we are not obligated to provide or delete consumer
information that is de-identified in response to a consumer request or to re-identify
individual data to verify a consumer request.
Right to Non-Discrimination for the Exercise of a
Consumer’s Privacy Rights
We will
not discriminate against you if you exercise your privacy rights.
Verification process
Upon
receiving your request, we will need to verify your identity to determine you are the same
person about whom we have the information in our system. These verification efforts
require us to ask you to provide information so that we can match it with information you
have previously provided us. For instance, depending on the type of request you submit, we
may ask you to provide certain information so that we can match the information you
provide with the information we already have on file, or we may contact you through a
communication method (e.g. phone or email) that you have previously provided to us. We may
also use other verification methods as the circumstances dictate.
We will
only use personal information provided in your request to verify your identity or
authority to make the request. To the extent possible, we will avoid requesting additional
information from you for the purposes of verification. If, however, we cannot verify your
identity from the information already maintained by us, we may request that you provide
additional information for the purposes of verifying your identity, and for security or
fraud-prevention purposes. We will delete such additionally provided information as soon
as we finish verifying you.
Other privacy rights
- you
may object to the processing of your personal data.
- you
may request correction of your personal data if it is incorrect or no longer relevant,
or ask to restrict the processing of the data.
- you
can designate an authorized agent to make a request under the CCPA on your behalf. We
may deny a request from an authorized agent that does not submit proof that they have
been validly authorized to act on your behalf in accordance with the CCPA.
- you
may request to opt-out from future selling of your personal information to third
parties. Upon receiving a request to opt-out, we will act upon the request as soon as
feasibly possible, but no later than 15 days from the date of the request
submission.
To
exercise these rights, you can contact us
by email at
contact@luumen.io,
Community Discord Channel,
or by referring to the contact details at the bottom of this
document. If you have a complaint about how we handle your data, we would like to hear from
you.
10. DO WE
MAKE UPDATES TO THIS
NOTICE?
In Short: Yes, we will update this
notice as necessary to stay compliant with relevant laws.
We may
update this privacy notice from time to time. The updated version will be indicated by an
updated "Revised" date and the updated version will be effective as soon as it is
accessible. If we make material changes to this privacy notice, we may notify you either
by prominently posting a notice of such changes or by directly sending you a notification.
We encourage you to review this privacy notice frequently to be informed of how we are
protecting your information.
11. HOW CAN
YOU CONTACT US ABOUT THIS
NOTICE?
If you
have questions or comments about this notice, you may
email us at contact@luumen.io
or by post
to:
Luuumen Finance
__________
Modesto
, CA
95355
United States
12. HOW CAN
YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM
YOU?
Based
on the applicable laws of your country, you may have the right to request access to the
personal information we collect from you, change that information, or delete it in some
circumstances. To request to review, update, or delete your personal information, please
visit:
luumen.io/discord
.