Privacy Policy

Information We Collect

Let's be straight about what we gather and why. We're not in the business of hoarding your data for the sake of it.

Information You Give Us Directly

When you sign up for our programs, contact us, or interact with our platform, you share certain details with us:

• Your name and email address — pretty standard stuff
• Phone number if you choose to provide it for program updates
• Mailing address when you register for educational materials (we're at 2033 Portage Ave, Winnipeg, MB R3J 0K8, Canada, by the way)
• Payment information when you enroll in paid programs — though we don't store full credit card details ourselves
• Any information you include in messages or communications with our team
• Educational background and investment experience level to tailor program recommendations

Information We Collect Automatically

Like most websites, ours gathers some technical data when you visit. Nothing sinister — just the basics that help us keep things running smoothly:

• IP address and general location (country/region level, not your exact street)
• Browser type and device information
• Pages you visit on our site and how long you spend there
• Referring website if you clicked through from somewhere else
• Time and date of your visits

We use cookies and similar tracking tools for this. You can adjust your browser settings to decline cookies, though some parts of our site might not work as well if you do.

How We Use Your Information

Here's where we actually do something with the data you've entrusted to us. Everything we collect serves a specific purpose — we're not building a database just for fun.

We don't sell your personal information to third parties. Full stop. That's not our business model and never will be.

Sharing Your Information

Sometimes we need to share certain data with other parties to keep things running. But we're selective about who gets access and why.

Service Providers We Work With

These are companies that help us operate our platform and deliver our services:

• Payment processors who handle transactions securely (they follow strict PCI compliance standards)
• Email service providers who help us send program updates and educational content
• Hosting companies that keep our website online and responsive
• Analytics services that help us understand how people use our site

These partners only get the information they need to do their specific job, and they're contractually obligated to protect your data just as we do.

Legal Requirements

In some situations, Canadian law requires us to disclose information:

• When served with a valid court order or subpoena
• To comply with financial regulations or government requests
• To protect against fraud or investigate suspected illegal activity
• To defend our legal rights if necessary

If we're legally compelled to share your information, we'll notify you unless we're prohibited from doing so.

Your Privacy Rights

You're not powerless here. Canadian privacy law gives you several important rights regarding your personal information, and we take these seriously.

Access and Correction

You can request a copy of the personal information we hold about you. If something's inaccurate or outdated, let us know and we'll fix it. Most of this you can actually update yourself through your account settings, but if you need help, just ask.

Data Portability

Want to take your data elsewhere? We'll provide your information in a commonly used format that you can transfer to another service. It might take us a few business days to compile everything, but we'll get it done.

Deletion Requests

You can ask us to delete your personal information, and we'll honor that request with a few exceptions:

• If we're legally required to keep certain records (financial transaction data, for example)
• If there's an ongoing dispute or legal matter that requires retaining the information
• For legitimate business purposes like completing a program you've enrolled in

Even if we can't delete everything immediately, we'll explain why and let you know when we can.

Marketing Communications

Don't want to receive our emails about new programs or investment education tips? No problem. Every marketing email includes an unsubscribe link. Click it and you're off the list — though we'll still send essential communications about programs you're enrolled in.

How to Exercise These Rights

Email us at support@luminexarc.info with your request. We'll respond within 30 days (usually much faster). You might need to verify your identity before we process certain requests — just a security measure to protect your information.

Data Security Measures

We take reasonable steps to protect your information from unauthorized access, loss, or misuse. Here's what that looks like in practice:

• Encryption for data transmission using industry-standard SSL/TLS protocols
• Secure servers with regular security updates and monitoring
• Limited employee access to personal data — only those who need it to do their jobs
• Regular security assessments and vulnerability testing
• Incident response procedures if something does go wrong

No system is completely bulletproof — anyone who tells you otherwise is lying. But we work hard to minimize risks and stay current with security best practices.

Data Retention

We don't keep your information forever. Here's our general approach to how long we retain different types of data:

• Account information: As long as your account remains active, plus six months after closure
• Financial records: Seven years from the date of transaction (Canadian tax law requirement)
• Marketing data: Until you unsubscribe or request deletion
• Website analytics: Aggregated and anonymized after 26 months
• Support communications: Three years for quality assurance and training purposes

After these retention periods, we either delete the information or anonymize it so it can no longer identify you personally.

International Data Transfers

We're based in Canada, and most of our data stays here. However, some of our service providers operate servers in other countries, including the United States. When your information crosses borders, we ensure there are appropriate safeguards in place.

Different countries have different privacy laws — some stricter than Canada's, some less so. When we transfer data internationally, we use standard contractual clauses or work with providers who participate in recognized privacy frameworks. Your rights under Canadian law still apply regardless of where the data is physically stored.

Children's Privacy

Our services target adults interested in investment education. We don't knowingly collect information from anyone under 16 years of age. If you're a parent and believe your child has provided us with personal information, contact us and we'll delete it.

If you're under 18, please get your parent or guardian's permission before using our services or providing any personal information.

Changes to This Policy

Privacy regulations evolve. Our services change. Sometimes we need to update this policy to reflect those shifts.

When we make significant changes, we'll notify you by email (if you've provided one) or through a prominent notice on our website at least 30 days before the changes take effect. For minor updates — like fixing a typo or clarifying existing language — we'll just update the "Last Updated" date at the top of this page.

Continuing to use our services after changes take effect means you accept the updated policy. If you disagree with the changes, you can close your account or stop using our services.

Third-Party Links

Our website might include links to external sites — news articles, partner resources, or other educational content. Once you click through to another site, this privacy policy no longer applies. We can't control how other organizations handle your information, so read their privacy policies before sharing personal data.

Including a link doesn't mean we endorse that site or vouch for their privacy practices. Do your homework before trusting any website with your information.