Privacy Policy

Last Updated: May 11, 2026

Introduction

Luminous Retreat ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website luminous-retreat.com or use our financial consulting services.

Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you:

• Fill out contact forms or service request forms
• Subscribe to our newsletter or communications
• Engage our financial consulting services
• Communicate with us via email or other channels

This information may include:

• Name and contact details (email address, postal address)
• Financial information relevant to our services
• Payment and billing information
• Any other information you choose to provide

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including:

• IP address and browser type
• Operating system and device information
• Pages visited and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our financial consulting services
• Process transactions and send related information
• Respond to your inquiries and provide customer support
• Send you marketing and promotional communications (with your consent)
• Analyze usage patterns to improve website functionality
• Comply with legal obligations and enforce our terms
• Detect, prevent, and address technical issues or fraudulent activity

Disclosure of Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

• Service Providers: With trusted third-party service providers who assist us in operating our website and conducting our business, under strict confidentiality agreements
• Legal Requirements: When required by law or to respond to legal processes, court orders, or government requests
• Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets
• Protection of Rights: To protect our rights, property, or safety, or that of our clients or others

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and updates
• Restricted access to personal information on a need-to-know basis
• Secure data storage and backup systems

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

Your Rights and Choices

Under Australian Privacy Law (Privacy Act 1988), you have certain rights regarding your personal information:

• Access: You can request access to the personal information we hold about you
• Correction: You can request correction of inaccurate or incomplete information
• Deletion: You can request deletion of your personal information, subject to legal obligations
• Opt-Out: You can opt out of receiving marketing communications at any time
• Data Portability: You can request a copy of your data in a structured, commonly used format

To exercise these rights, please contact us at [email protected].

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and store certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us, and we will take steps to delete such information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

Email: [email protected]
Address: Level 12, 247 Collins Street, Melbourne VIC 3000, Australia