Effective Date: 26.08.2025 | Last Modified: 26.08.2025

This summary (Part 1) explains in plain English how Luminiera handles your personal information. The full Privacy Policy in Part 2 is legally binding and applies in case of conflict. However, for clarity: Luminiera is a UK-only service, and UK law and consumer rights always take priority.

Luminiera is currently operated by Sami Alexander Azem as an unincorporated business. Until incorporation, all obligations fall to the operator personally. Once incorporated, obligations will transfer to the company without reducing your rights.

• Operator: Luminiera (currently unincorporated, operated by Sami Alexander Azem)
• Owner & Data Controller: Sami Alexander Azem
• Data Protection Contact: Sami Alexander Azem
• Email: info@luminiera.net

If Luminiera incorporates or is acquired, your data will transfer to the new entity. Your rights remain the same.

At Luminiera, your privacy and trust come first. We:

• Give you clear, easy-to-understand savings insights.
• Keep your personal information safe and use it only to run and improve our service.
• Make sure you stay in control — you can update or delete your data at any time.
• Never sell your data to third parties.

We use your data mainly to:

• Run your account and deliver the savings tools.
• Process payments securely (via Paddle/Stripe/PayPal).
• Improve the platform (through anonymous usage analytics).
• Send you updates or marketing if you opted in.
• We use cookies and analytics tools (like Microsoft Clarity, Meta Pixel) to understand how people use Luminiera. You can manage these in your browser or cookie settings.

• Active subscriptions: as long as your account is open.
• Cancelled accounts: core records up to 7 years.
• Analytics: anonymized/aggregated may be kept indefinitely.

You can always:

• Access, correct, or delete your data.
• Withdraw consent (e.g. unsubscribe from emails).
• Ask for a copy of your data.

Contact info@luminiera.net to exercise rights.

We take security seriously. Luminiera uses encryption, access controls, and trusted cloud providers to keep your data safe. While no online system can ever be guaranteed 100% secure, we continually review and update our protections to minimize risk.

Luminiera is for 18+ users only.

Data you enter about your household, spending, or usage is used only to generate personalized savings scenarios within Luminiera. We may also use this information in anonymized, aggregated form to improve our service — never in a way that identifies you.

If Luminiera becomes incorporated, merges, or is acquired, your data will transfer to the new entity. We will continue to protect it under the same principles set out here.

• Service emails (account, billing, security updates) will be sent even if you opt out of marketing.
• Marketing emails are only sent if you give consent, and you can unsubscribe at any time.

We’ll update this summary when our practices change. Significant updates will be flagged by email or in-app.