Privacy Policy

Introduction

Luminous Bond Ltd ("we", "our", "us") is committed to protecting the privacy and security of your personal information. This privacy policy describes how we collect and process personal data when you use our services or interact with our website at luminous-bond.com.

We are the data controller for the personal information we process, unless otherwise stated. Our registered address is 47 Colmore Row, Birmingham, B3 2BS, United Kingdom.

Information We Collect

We collect personal information in various ways, depending on how you interact with us:

Information you provide directly

Contact details (name, email address, postal address)
Financial information relevant to our services (income details, debt information, savings figures)
Employment and professional information
Communications you send to us
Feedback and survey responses

Information collected automatically

Technical data including IP address, browser type, and operating system
Usage data about how you navigate our website
Cookie data (see our Cookies Policy for details)

How We Use Your Information

We process your personal data for the following purposes:

To provide our financial education and consultation services
To respond to enquiries and communicate with you about our services
To send appointment reminders and service-related notifications
To improve our website and services
To comply with legal and regulatory obligations
To protect our legitimate business interests

Legal Basis for Processing

We process your personal data on the following legal grounds:

Contract: Where processing is necessary to perform our contract with you or take steps at your request before entering a contract
Legitimate interests: Where processing is necessary for our legitimate interests (such as improving our services) and your interests and fundamental rights do not override those interests
Legal obligation: Where we need to comply with a legal requirement
Consent: Where you have given clear consent for us to process your data for a specific purpose

Data Sharing

We do not sell your personal information. We may share your data with:

Service providers who assist in operating our business (such as IT support, email services)
Professional advisers including lawyers, accountants, and insurers
Regulators and authorities where required by law
With your consent, referral partners such as regulated financial advisers

All third parties are required to respect the security of your data and treat it in accordance with the law.

Data Retention

We retain personal information for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. The retention period depends on the context:

Client records: 7 years after the end of our relationship
Enquiry correspondence: 2 years if no service is provided
Website analytics: 26 months

Data Security

We implement appropriate technical and organisational measures to protect personal data against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, access controls, and regular security assessments.

While we take reasonable precautions, no method of transmission over the internet is completely secure. We cannot guarantee absolute security of data transmitted to our website.

Your Rights

Under data protection legislation, you have rights including:

Access: Request a copy of the personal data we hold about you
Rectification: Request correction of inaccurate or incomplete data
Erasure: Request deletion of your data in certain circumstances
Restriction: Request restriction of processing in certain circumstances
Portability: Request transfer of your data to another service provider
Objection: Object to processing based on legitimate interests

To exercise any of these rights, please contact us at [email protected]. We will respond within one month.

International Transfers

We primarily store and process data within the United Kingdom. If we transfer data outside the UK, we ensure appropriate safeguards are in place, such as standard contractual clauses approved by relevant authorities.

Changes to This Policy

We may update this privacy policy from time to time. Significant changes will be communicated via our website or directly to clients where appropriate. We encourage you to review this policy periodically.

Complaints

If you have concerns about how we handle your personal data, please contact us first so we can try to resolve the matter. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues.

Contact Us

For any questions about this privacy policy or our data practices, please contact:

Luminous Bond Ltd
47 Colmore Row
Birmingham, B3 2BS
Email: [email protected]