Privacy Policy
Luminary Advisors LLC
Effective Date: July 11, 2025
Last Updated: July 11, 2025
1. Introduction
Luminary Advisors LLC ("Luminary Advisors," "we," "us," or "our") is committed to protecting the privacy of visitors to our website and clients who use our services. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website at https://luminaryadvisorsllc.com/ or engage with our payment advisory services.
2. Information We Collect
Personal Information
We collect personal information that you voluntarily provide to us, including:
- Contact Information: Name, email address, phone number, company name, and job title when you:
- Subscribe to our blog
- Contact us through our website
- Request a consultation
- Engage our advisory services
- Professional Information: Business details, industry information, and specific advisory needs relevant to our services
- Communication Records: Records of our communications with you, including emails, phone calls, and meeting notes
Automatically Collected Information
When you visit our website, we may automatically collect:
- Technical Information: IP address, browser type, device information, operating system
- Usage Information: Pages visited, time spent on pages, referring websites
- Cookies and Similar Technologies: As described in our Cookie Policy below
3. How We Use Your Information
We use the personal information we collect for the following purposes:
- Service Delivery: To provide payment advisory services to banks, venture capital firms, and fintech companies
- Communication: To respond to your inquiries, provide consultation services, and maintain our business relationship
- Blog Subscriptions: To send you blog updates and industry insights when you subscribe
- Business Operations: To improve our services, maintain records, and comply with legal obligations
- Legal Compliance: To meet regulatory requirements and respond to legal requests
We do not use your personal information for marketing purposes beyond our blog subscriptions.
4. How We Share Your Information
We may share your personal information in the following limited circumstances:
- Service Providers: With trusted third-party vendors who assist us in operating our website and providing our services, subject to confidentiality agreements
- Legal Requirements: When required by law, legal process, or to protect our rights and interests
- Business Transfers: In connection with a merger, acquisition, or sale of our business assets
- With Your Consent: When you explicitly authorize us to share your information
We do not sell, rent, or trade your personal information to third parties for their marketing purposes.
5. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- Secure data transmission using encryption
- Access controls and authentication procedures
- Regular security assessments and updates
- Employee training on data protection practices
6. Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Specific retention periods include:
- Client Records: Maintained for the duration of our business relationship and as required by applicable law
- Blog Subscriptions: Until you unsubscribe or request deletion
- Website Data: In accordance with our technical requirements and legal obligations
7. Your Rights and Choices
California Privacy Rights (CCPA/CPRA)
If you are a California resident, you have the following rights:
- Right to Know: Request information about the personal information we collect, use, and share
- Right to Delete: Request deletion of your personal information, subject to certain exceptions
- Right to Correct: Request correction of inaccurate personal information
- Right to Opt-Out: Opt-out of the sale or sharing of personal information (Note: We do not sell personal information)
- Right to Non-Discrimination: Not be discriminated against for exercising your privacy rights
General Rights
Regardless of location, you may:
- Access: Request access to your personal information
- Update: Update or correct your personal information
- Unsubscribe: Opt-out of blog subscriptions at any time
- Delete: Request deletion of your personal information
To exercise these rights, please contact us using the information provided below.
8. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to enhance your browsing experience. These may include:
- Essential Cookies: Necessary for website functionality
- Analytics Cookies: To understand website usage and improve our services
- Preference Cookies: To remember your settings and preferences
You can manage your cookie preferences through your browser settings.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.
10. International Data Transfers
If you are located outside the United States, please note that your information may be transferred to, stored, and processed in the United States, where our servers are located and our business is operated.
11. Children's Privacy
Our services are not directed to individuals under 16 years of age, and we do not knowingly collect personal information from children under 16.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last Updated" date above.
13. Contact Information
If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:
Luminary Advisors LLC
Email: jagdeep@luminaryadvisorsllc.com
For California residents, you may also contact us to exercise your CCPA rights or designate an authorized agent to make requests on your behalf.
14. Dispute Resolution
Any disputes relating to this Privacy Policy will be resolved in accordance with the laws of the State of California, without regard to conflict of law principles.
This Privacy Policy is effective as of the date listed above and governs the use of personal information collected by Luminary Advisors LLC.
Luminary Advisors LLC