General Privacy Principles

Key terms used throughout this Privacy Policy are defined below to clarify their meanings.

We collect personal information to deliver our services efficiently and improve your experience with LumNowra’s programs.

Data you actively provide when engaging with LumNowra’s services includes:

• Contact details such as name and email address.
• Payment information for enrollment and billing.
• Preferences relating to communication and program selection.
• Feedback and survey responses.
• User-generated content within community forums or sessions.
• Account credentials for accessing member areas.

Information automatically collected during your use of the LumNowra website includes:

• IP address and device type.
• Browser and operating system details.
• Pages visited and time spent on the site.
• Usage patterns and interaction data.
• Cookies and similar tracking technologies data.
• Geographical location estimates.

LumNowra may share your data with trusted partners under strict confidentiality agreements to support service delivery and compliance.

• Payment processors for transaction handling.
• Technical service providers helping with website operation.
• Legal advisors or regulatory authorities when required.

Personal data is processed for specific purposes to provide and improve our offerings, such as:

• Managing user accounts and program enrollments.
• Processing payments securely and preventing fraud.
• Personalizing communication and marketing information.
• Enhancing website functionality and user experience.
• Complying with legal obligations and regulatory requirements.
• Conducting research and development on program efficacy.
• Facilitating community interactions and support.
• Monitoring and improving data security measures.

Processing is conducted according to legal grounds that include:

• Performance of a contract with the user.
• Compliance with legal obligations.
• Legitimate interests pursued by LumNowra or third parties.
• User’s consent where applicable.

Cookies help enhance your interaction with our website by storing preferences and analyzing usage.

Types include session cookies for temporary use and persistent cookies to remember your preferences.

Categories encompass essential, performance, functional, and targeting cookies based on purpose.

You can adjust your cookie settings through your browser or via our cookie management tool on the site.

Read more about our cookie policy here.

We only share personal data under specific circumstances such as:

• To deliver services effectively with service providers.
• To comply with legal requests or authorities.
• When required for security and fraud prevention.
• With user consent for marketing purposes.
• To protect rights and safety of users and others.
• When transferring business assets or ownership.

Your personal information may be transferred to and processed in countries outside of Singapore where LumNowra or third parties operate, always ensuring adequate protection measures.

We apply appropriate safeguards including contractual clauses and privacy frameworks to protect your data across borders.

LumNowra retains personal data only for as long as necessary to fulfill program purposes or comply with legal requirements.

Account information is kept active while you maintain a membership and for a reasonable period thereafter for administrative purposes.

Communication records are retained according to community guidelines and service needs before secure deletion.

Website logs and usage data are stored temporarily to monitor performance and troubleshoot issues before routine erasure.

When data is no longer needed, it is securely deleted or anonymized to prevent identification.

LumNowra employs a variety of technical and organizational measures to safeguard your personal data from unauthorized access, disclosure, or misuse.

• Encryption of sensitive data in transit and at rest.
• Regular security audits and vulnerability assessments.
• Access controls limiting data to authorized personnel only.

You have rights regarding your personal data, including to:

• Access and receive a copy of your personal data.
• Request correction or deletion of inaccurate or unnecessary information.
• Object to or restrict certain processing activities.
• The right to request restriction of processing your personal data in certain circumstances.
• The right to data portability, allowing you to obtain and reuse your personal data across different services.
• The right to object to data processing based on legitimate interests or direct marketing.
• The right to withdraw consent at any time, without affecting the lawfulness of processing based on consent before its withdrawal.
• The right to lodge a complaint with a relevant data protection authority if you believe your data rights have been violated.

LumNowra is committed to respecting and protecting your privacy in compliance with the General Data Protection Regulation (GDPR), ensuring the transparent and lawful processing of your personal data.

The GDPR provisions apply to LumNowra where we process personal data of individuals located in the European Economic Area, in relation to the services we offer.

• Processing personal data lawfully, fairly, and in a transparent manner.
• Collecting data for specified, explicit, and legitimate purposes only.
• Ensuring personal data is accurate and kept up-to-date.
• Encrypting and securing personal data against unauthorized access or alteration.

If you wish to raise a concern about how your personal data is handled by LumNowra, you may contact our Data Protection Officer or lodge a complaint with the Singapore Personal Data Protection Commission or the relevant authority in your jurisdiction.

You can submit requests to exercise your privacy rights by contacting LumNowra through our official contact channels. We will verify your identity before processing your request to ensure your data security.

[email protected]

LumNowra strives to respond to all privacy rights requests within 30 days of receipt. If additional time is required, we will inform you promptly.

LumNowra may send marketing messages about new programs, events, or promotions. You can opt out of receiving such communications at any time through the unsubscribe link provided.

To discontinue receiving marketing emails or messages, simply click the unsubscribe option included in our communications or reach out to LumNowra directly.

LumNowra does not knowingly collect personal data from children under 16 years of age. If you believe we have inadvertently collected such information, please contact us to request removal.

Our website may contain links to third-party websites for your convenience. LumNowra is not responsible for the privacy practices or content of those external sites.

We only share personal data under specific circumstances such as:

Read more about our cookie policy here.

LumNowra reserves the right to update this privacy policy as needed. We encourage you to review this document periodically to stay informed about how we protect your data.