Privacy Policy

1. Introduction

Lumina Learning ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our learning platform.

2. Information We Collect

Personal Information

We may collect:

• Name and contact information (email, phone)
• Billing and payment information (processed securely by third parties)
• Account credentials
• Profile information (photo, bio)
• Learning progress and course completions

Automatically Collected Information

When you access the Platform, we automatically collect:

• IP address and device information
• Browser type and operating system
• Usage data (pages visited, time spent)
• Cookies and similar technologies

3. How We Use Your Information

We use your information to:

• Provide and maintain our educational services
• Process payments and prevent fraud
• Personalize your learning experience
• Communicate with you about courses and updates
• Improve our platform and develop new features
• Comply with legal obligations

4. Payment Information

We use third-party payment processors (PayPal, PayFast, Yoco) to handle payments. We do not store your full credit card details on our servers. All payment data is encrypted and processed in accordance with PCI DSS standards.

5. Cookies and Tracking

We use cookies to:

• Keep you signed in
• Remember your preferences
• Understand how you use our platform
• Deliver relevant content

You can control cookies through your browser settings. Disabling cookies may affect some features of the Platform.

6. Data Sharing and Disclosure

We do not sell your personal information. We may share data with:

• Service providers (hosting, analytics, payment processing)
• Instructors (limited to course participation data)
• Legal authorities when required by law
• Business partners in case of merger or acquisition

7. Data Security

We implement appropriate technical and organizational measures to protect your data, including:

• 256-bit SSL encryption for data transmission
• Secure server infrastructure
• Regular security audits
• Access controls and authentication

8. Your Rights

Under POPIA (South Africa) and GDPR (EU), you have the right to:

• Access your personal data
• Correct inaccurate information
• Request deletion of your data
• Object to certain processing activities
• Export your data

To exercise these rights, contact us at privacy@lumina.co.za

9. Data Retention

We retain your information as long as your account is active or as needed to provide services. You may request deletion of your account and associated data at any time.

10. Children's Privacy

Our services are not intended for children under 18. We do not knowingly collect data from minors. If you believe we have collected data from a minor, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or through the Platform.

12. Contact Us

For privacy-related questions or concerns, contact our Data Protection Officer:

Email: privacy@lumina.co.za
Address: 123 Learning Street, Cape Town, 8001, South Africa
Phone: +27 21 123 4567