Privacy Policy

Introduction

Luminous Cruise is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect information when you use our website or engage our services.

By using our website or services, you consent to the practices described in this policy. If you do not agree with these practices, please do not use our website or services.

Information We Collect

Information You Provide

When you contact us or engage our services, we may collect the following information:

• Name and contact details including email address and postal address
• Financial information necessary to provide our services, such as income, expenses, debts, and savings
• Employment information and career details
• Information about your financial goals and concerns
• Any other information you choose to share with us

Information Collected Automatically

When you visit our website, we may automatically collect:

• Browser type and version
• Operating system
• IP address
• Pages visited and time spent on pages
• Referring website addresses
• Cookie information as described in our Cookies Policy

How We Use Your Information

We use the information we collect for the following purposes:

• To provide financial guidance and advisory services
• To communicate with you about your inquiries and our services
• To analyze your financial situation and develop personalized recommendations
• To maintain records of our professional relationship
• To improve our website and services
• To comply with legal and regulatory obligations
• To send you relevant information about our services, with your consent

Legal Basis for Processing

Under UK data protection law, we process your personal information based on:

• Consent you have given us for specific purposes
• Performance of a contract we have with you
• Compliance with legal obligations
• Legitimate interests in providing and improving our services, provided these do not override your rights

How We Protect Your Information

We take the security of your personal information seriously and implement appropriate technical and organizational measures to protect it from unauthorized access, alteration, disclosure, or destruction.

These measures include:

• Secure storage of physical and electronic records
• Encryption of sensitive data during transmission
• Access controls limiting who can view your information
• Regular security assessments and updates
• Staff training on data protection practices

While we strive to protect your information, no method of transmission or storage is completely secure. We cannot guarantee absolute security but will notify you promptly of any known breach affecting your data.

Sharing Your Information

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

• With your explicit consent
• With professional advisors when necessary to provide our services
• With service providers who assist us in operating our website or business, under strict confidentiality agreements
• When required by law or to comply with legal processes
• To protect our rights, property, or safety, or that of others

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law or regulation.

Financial records and client communications are typically retained for seven years following the end of our professional relationship, in accordance with UK financial services regulations.

Website analytics data is generally retained for two years.

Your Rights

Under UK data protection law, you have the following rights regarding your personal information:

• Right to access your personal data and receive a copy
• Right to rectify inaccurate or incomplete information
• Right to erasure in certain circumstances
• Right to restrict processing of your data
• Right to data portability
• Right to object to processing based on legitimate interests
• Right to withdraw consent at any time where processing is based on consent
• Right to lodge a complaint with the Information Commissioner's Office

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

Cookies

Our website uses cookies to improve your browsing experience. For detailed information about the cookies we use and how to manage them, please see our Cookies Policy.

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 directed at individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a revised date.

Your continued use of our website or services following the posting of changes constitutes your acceptance of those changes.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Luminous Cruise
42 Castle Street
Liverpool, L2 9SH
United Kingdom
Email: [email protected]