Privacy Policy

Action Contabil Roman Ltd, trading as Lumina Wealth (“we”, “us”, “our”), provides financial planning, mutual fund, equity, PMS & AIF advisory, fixed deposit, loan-against-securities and insurance-related services to clients in Pune and across India. This Privacy Policy explains what personal data we collect through luminawealth.co.in, why we collect it, and how it is stored, used and protected.

1. Information we collect

When you use our contact form, book a consultation, or otherwise interact with us, we may collect:

• Full name, email address and mobile number
• City and preferred call time
• Service(s) you are interested in and approximate investable amount or loan size (where voluntarily shared)
• Any additional details or goals you choose to share in your message
• Technical information such as IP address, browser type and pages visited, collected automatically for security and analytics purposes

We do not collect sensitive financial account numbers, passwords or payment credentials through this website. Any such information is only ever exchanged through secure, direct channels once you engage us as a client.

2. How we use your information

We use the information you provide to:

• Respond to your consultation request and contact you at your preferred time
• Understand your financial goals so our advisors can prepare relevant guidance
• Maintain records required under applicable SEBI, AMFI, IRDAI and other regulatory guidelines
• Improve our website and services
• Send you information you have requested, such as updates on your enquiry

We do not use your information for unsolicited marketing, and we do not sell your personal data to third parties.

3. How your information is shared

When you submit the consultation form on this website, your details are sent by email directly to our advisory team at sachin.mathure@luminawealth.co.in for the sole purpose of following up with you. We may also share information with:

• Regulators or authorities where required by law (for example, SEBI, AMFI or IRDAI)
• Mutual fund houses, insurers, PMS/AIF providers or lending partners strictly to the extent needed to execute a transaction you have authorised
• Service providers who support our website and operations (such as hosting and email delivery), under confidentiality obligations

We never share, rent or sell your personal data for third-party marketing.

4. Data retention

We retain personal information for as long as necessary to respond to your enquiry, provide our services, and meet regulatory record-keeping requirements applicable to financial intermediaries in India, after which it is securely deleted or anonymised.

5. Data security

We take reasonable technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

6. Cookies

Our website may use cookies or similar technologies to remember your preferences and understand how visitors use the site. You can disable cookies through your browser settings; some website features may not function as intended if you do so.

7. Your rights

You may ask us to access, correct or delete the personal information we hold about you, or withdraw your consent for us to contact you, by writing to us using the details below. We will respond to legitimate requests within a reasonable time, subject to any regulatory record-keeping obligations that require us to retain certain information.

8. Children's privacy

Our services are intended for adults capable of entering into a financial advisory relationship. We do not knowingly collect personal information from children.

9. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The “Last updated” date at the top of this page indicates when it was last revised.

10. Contact us

If you have questions about this Privacy Policy or how your data is handled, please contact us:

Lumina Wealth
E-207 OXY Bonita, Porwal Road, Sathe Wasti, Lohegaon, Pune 411047
Email: sachin.mathure@luminawealth.co.in
Phone: 9623282787 / 9730563373