This Privacy Policy describes how Lumvaya (“we”, “our”, or “us”) collects, uses, and protects your personal information when you access our website, purchase our products, or use our services.

Lumvaya provides digital financial education products in the form of structured ebooks delivered via email over a subscription period.

1. Personal Data Controller

Lumvaya acts as the controller of your personal data.
If you have any questions regarding this Privacy Policy, you may contact us through our official support channels.

2. Information We Collect

2.1 Information You Provide

When you use our services or make a purchase, we may collect:

• Full name (if provided)

• Email address

• Payment-related details (handled securely by third-party payment providers)

• Any information you submit through forms or communication

2.2 Information Collected Automatically

We may automatically collect certain data, including:

• Device and browser information

• IP address and general location data

• Website usage behavior (pages visited, time spent, interactions)

• Referral source (how you found our website)

2.3 Transaction Data

When you subscribe or make a purchase:

• Payments are processed through secure third-party payment gateways

• We do not store your full credit card details

• We may receive transaction details such as:

  • Payment status

  • Date and time

  • Amount paid

  • Subscription status

2.4 Email Delivery Data

As part of our service:

• Your email is used to deliver one ebook per day for up to 30 days

• We may track delivery status (e.g., opened emails, delivery success) to improve service quality

3. How We Use Your Information

We use your information to:

• Provide and deliver our ebook products

• Manage your subscription and access

• Send daily ebook content via email

• Improve our content and user experience

• Communicate with you (support, updates, important notices)

• Send relevant offers or updates (you may opt out anytime)

4. Sharing Your Information

We do not sell your personal data.

We may share your data only with trusted third parties, including:

• Payment providers (to process transactions)

• Email delivery services (to send your ebooks)

• Technical service providers (hosting, analytics, platform operation)

We may also disclose information if required by law or to protect our legal rights.

5. Data Security

We take reasonable technical and organizational measures to protect your personal information from unauthorized access, misuse, or disclosure.

However, no system is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your data only as long as necessary to:

• Deliver our services

• Maintain your subscription records

• Comply with legal obligations

After that, your data will be securely deleted or anonymized.

7. Your Rights

You have the right to:

• Access your personal data

• Request correction of inaccurate data

• Request deletion of your data

• Object to or restrict certain processing

• Request a copy of your data (data portability)

To exercise your rights, please contact us.

8. Cookies

We use cookies and similar technologies to:

• Improve website performance

• Understand user behavior

• Enhance your browsing experience

You can control cookie preferences through your browser settings.

9. Changes to This Policy

We may update this Privacy Policy from time to time.
All updates will be posted on this page with a revised effective date.

We encourage you to review this policy periodically.