Privacy Policy

Last Updated: December 24, 2025

Luma Financial Australia (“Luma Financial,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how your personal information is collected, used, and disclosed by Luma Financial Australia. This Privacy Policy applies to our website, lumafinancial.com.au, and its associated subdomains (collectively, our “Service”). By accessing or using our Service, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy and our Terms of Service.

1. Compliance and Collection of Information

Luma Financial Australia operates in compliance with the Australian Privacy Principles (APPs) as set out in the Privacy Act 1988 (Cth). We collect personal information that is reasonably necessary for one or more of our functions or activities.

• Information you provide directly: This includes your name, contact details (phone and email), financial goals, income levels, and relationship status provided through our strategy tools.

• Information from third parties: We may collect information from third-party social networks (like LinkedIn) or authentication services if you connect them to our Service.

• Sensitive Information: We do not generally collect sensitive information (e.g., health or ethnic origin) unless it is volunteered by you and is necessary for providing specific financial strategies.

2. Use of Personal Information and Direct Marketing

We use your information to provide our financial strategy services, process transactions, and improve our platform.

• Direct Marketing: We may use your personal information to send you updates or promotional materials. You may opt-out of these communications at any time by using the "unsubscribe" link or contacting us directly at jake.collinz@gmail.com.

• Personalisation: We use data to tailor financial roadmaps to your specific income and investment profile.

3. Cookies, Tracking, and Google Services

We use tracking technologies to improve user experience and deliver relevant advertising.

• Google Analytics: We use this to measure traffic and usage trends. You can opt-out via the Google Analytics Opt-out Browser Add-on.

• Google Advertising: We use Remarketing and Google Display Network Impression Reporting to show ads on third-party sites based on your past visits to our site. You can manage these via Google Ads Settings.

• Wix Analytics: As we are hosted on Wix, we also use their native analytics to monitor site performance.

4. Disclosure and Cross-Border Data Transfers (APP 8)

We may disclose your information to third-party service providers (such as IT, payment, and marketing providers) to help us operate our business.

• Overseas Disclosure: Our service providers, including Wix.com and Google, may store or process your data in overseas jurisdictions, including the United States, Israel, and the EU.

• Consent: By providing your personal information to us, you consent to the disclosure of your information to these overseas recipients. We take reasonable steps to ensure these recipients handle your data in accordance with standards similar to the APPs.

5. Data Storage and Security

• Wix Hosting: Your data is stored through Wix.com’s secure data storage and databases, protected by firewalls.

• Financial Security: Sensitive payment information is encrypted via SSL technology. We do not store your full credit card details on our own servers after a transaction is complete.

• Retention: We hold your information only for as long as is necessary for our business purposes or as required by Australian law.

6. Access and Correction (APP 12 & 13)

Under the APPs, you have the right to:

• Access the personal information we hold about you.

• Correct any information that is inaccurate, out-of-date, incomplete, or misleading.

To make a request, please contact jake.collinz@gmail.com. We will respond to your request within a reasonable timeframe (usually 30 days).

7. Complaints and Contact

If you believe we have breached the Australian Privacy Principles, please contact us at jake.collinz@gmail.com. We take complaints seriously and will respond promptly to resolve your concerns. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.