Privacy Policy

Welcome to FTLuma. We are committed to protecting your personal data in compliance with the Data Protection Act, 2019 and applicable regulations.

This Privacy Policy explains how we collect, use, process, and protect your data, particularly in relation to our monetization activities, including advertising, affiliate marketing, and email communications.

1. Who We Are

FTLuma is a financial transition content platform designed to educate and empower users in managing their financial journeys.

2. Personal Data We Collect

a) Information You Provide

• Name
• Email address
• Information submitted via forms or subscriptions

b) Automatically Collected Data

• IP address
• Device and browser type
• Pages visited, clicks, and engagement data

c) Cookies & Tracking Technologies

We use cookies, pixels, and tracking tools to:

• Analyze traffic and user behavior
• Deliver targeted advertisements
• Personalize user experience

You can control cookies through your browser settings.

3. Lawful Basis for Processing

We process personal data based on:

• Consent – for email marketing, cookies, and tracking technologies
• Legitimate Interest – for analytics, improving services, and monetization activities
• Contractual Necessity – where applicable

4. How We Use Your Data

We use your data to:

• Deliver and improve financial content
• Send newsletters, financial insights, and promotional offers
• Track engagement with affiliate links and advertisements
• Personalize content and marketing campaigns
• Analyze performance of marketing funnels
• Maintain platform security and prevent fraud

5. Advertising & Sponsored Content

FTLuma may display:

• Third-party advertisements
• Sponsored posts or paid promotions

These partners may use cookies or tracking technologies to collect data about your interactions. We do not control third-party advertisers and recommend reviewing their respective privacy policies.

6. Email Marketing & Funnels

When you subscribe to FTLuma:

• You consent to receive emails, including newsletters, educational content, and promotional offers
• We may use email automation tools to create personalized funnels based on your behavior and interests
• We track email engagement (opens, clicks) to improve our communication

You may unsubscribe at any time via the link in our emails.

7. Data Sharing and Third Parties

We may share your data with:

• Email marketing platforms (e.g., Mailchimp, ConvertKit)
• Analytics providers (e.g., Google Analytics)
• Advertising networks (e.g., Google Ads, Meta Ads)

All third parties are required to process your data securely and in compliance with applicable laws. We do not sell your personal data.

8. Data Retention

We retain your personal data only as long as necessary for:

• Marketing and analytics purposes
• Legal and regulatory compliance
• Business operations

You may request deletion of your data at any time.