Information We Collect

When you use our financial services platform, we collect various types of information to provide you with personalised services and maintain account security. This includes information you provide directly, such as when creating an account or contacting our support team.

We also collect information automatically through cookies and similar tracking technologies when you visit our website or use our mobile applications. This helps us understand how you interact with our services and improve your experience.

How We Use Your Information

Your personal information serves multiple purposes within our financial services ecosystem. We use this data to operate our platform effectively, comply with regulatory requirements, and deliver the personalised experience you expect from a modern financial service provider.

• Providing and maintaining your account access and financial services
• Processing transactions, payments, and other financial operations
• Verifying your identity and preventing fraudulent activities
• Complying with legal obligations and regulatory requirements
• Communicating important account information and service updates
• Providing customer support and responding to your enquiries
• Improving our services through analysis of usage patterns
• Sending marketing communications with your explicit consent

We process your information based on legitimate interests, contractual necessity, legal compliance, and where applicable, your explicit consent. You can withdraw consent for marketing communications at any time through your account settings or by contacting us directly.

Information Sharing and Disclosure

lunarethovisa takes a careful approach to sharing your personal information. We only share data when necessary to provide our services, comply with legal requirements, or with your explicit permission. Our partnerships and third-party relationships are governed by strict data protection agreements.

• Financial institutions and payment processors for transaction processing
• Regulatory bodies and government agencies as required by law
• Professional service providers including legal, accounting, and audit firms
• Technology service providers who support our platform infrastructure
• Credit reference agencies for identity verification and fraud prevention
• Marketing partners, but only with your explicit opt-in consent

In the event of a business transaction such as a merger, acquisition, or sale of assets, your personal information may be transferred to the acquiring entity. We would notify you of such changes through email and prominent notices on our website at least 30 days before the transfer occurs.

Data Retention and International Transfers

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Different types of information have different retention periods based on regulatory requirements.

• Account information: Retained for 7 years after account closure per UK financial regulations
• Transaction records: Kept for 6 years as required by HMRC and FCA guidelines
• Marketing communications: Deleted within 3 years of last contact unless you opt-in again
• Technical logs: Automatically purged after 2 years for operational efficiency

Some of our service providers operate outside the UK and EEA. When we transfer your personal data internationally, we ensure appropriate safeguards are in place through adequacy decisions, Standard Contractual Clauses, or other approved mechanisms under UK GDPR.