Privacy Policy

We collect information you provide directly to us, such as when you create an account, use our services, or communicate with us.

• Account information: name, email address, and authentication credentials
• Financial preferences and goals you share with us
• Device information and usage data to improve our services
• Communications you send us, including support requests

We use the information we collect to provide, maintain, and improve our services, to communicate with you, and to ensure the security of your account.

• Deliver and personalise your Lumen Wealth experience
• Process transactions and send related information
• Send service updates, security alerts, and support messages
• Analyse usage patterns to improve our platform

When you use AI-powered features within the LUMEN app, contextual data necessary to fulfil your request may be transmitted to our secure servers or trusted third-party AI providers such as Anthropic. This data is used exclusively to deliver the requested AI analysis and is not used to train AI models.

We implement industry-standard encryption and security practices to protect your information. Your financial data is processed using privacy-first design principles — the majority of on-device processing happens locally, never stored on our servers without your explicit consent.

We do not sell your personal information. We may share your information only in the following limited circumstances:

• With service providers who assist in operating our platform, under strict confidentiality agreements
• When required by law or to protect the rights and safety of our users
• In connection with a merger, acquisition, or sale of assets, with prior notice to you

You have the right to access, correct, or delete your personal data at any time. You may also request a copy of the data we hold about you or withdraw consent for processing where consent is the legal basis.

• Access: request a copy of your personal data
• Correction: update inaccurate or incomplete information
• Deletion: request erasure of your data where no legal obligation to retain it exists
• Portability: receive your data in a structured, machine-readable format

If you have any questions about this Privacy Policy or how we handle your data, please contact our privacy team at privacy@ziyon.fr or visit our website at https://lumen.ziyon.fr.