Privacy Policy for Lumina

Last updated: Apr 5,2025

Lumina ("us", "we", or "our") operates the Lumina mobile application (the "Service").

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

1. Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected:

Personal Identification Information: Name, date of birth, gender, address, email address, phone number, government-issued identification numbers.
Financial Information: Bank account details, payment card information, credit history (for premium calculations).
Health Information: Medical history, current health conditions (for health insurance products).
Device Information: IP address, device type, operating system, mobile network information.
Usage Data: How you interact with our app, pages visited, features used.
Location Data: With your permission, we may collect precise or approximate location data.

2. How We Use Your Data

We use the collected data for various purposes:

To provide and maintain our Service
To process insurance applications and claims
To calculate premiums and risk assessments
To notify you about changes to our Service
To allow you to participate in interactive features of our Service
To provide customer support
To gather analysis or valuable information so that we can improve our Service
To monitor the usage of our Service
To detect, prevent and address technical issues
To comply with legal and regulatory requirements

3. Data Sharing and Disclosure

We may share your personal information with:

Insurance providers: To process your applications and claims
Third-party service providers: Such as payment processors, cloud storage providers, and analytics companies
Legal authorities: When required by law or to protect our rights
Business transfers: In connection with any merger, sale of company assets, or acquisition

4. Data Security

We implement appropriate technical and organizational measures to protect your personal data, including encryption, access controls, and secure servers. However, no method of transmission over the Internet or electronic storage is 100% secure.

5. Your Data Protection Rights

Depending on your location, you may have certain rights regarding your personal data:

The right to access, update or delete your information
The right to rectification if your data is inaccurate
The right to object to our processing of your data
The right to request restriction of processing
The right to data portability
The right to withdraw consent

6. Children's Privacy

Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from children without parental consent.

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "last updated" date.

8. Contact Us

If you have any questions about this Privacy Policy, please contact us:

By email: info.desk@luminatech.ai
By visiting this page on our website: luminatech.ai
By mail: Addis Ababa, Ethiopia