Privacy Policy

Welcome to LUMINA. LUMINA is an auctioning and bidding platform that enables users to discover, list, bid on and transact for products and services through digital auction experiences.

This Privacy Policy explains how LUMINA collects, uses, stores, shares and protects personal information when you use our website, mobile applications, products and related services.

By using LUMINA, you acknowledge that you have read and understood this Privacy Policy.

LUMINA is operated by: Mavier Innovation Limited

Registered Address: [Insert Address]

Email: [Insert Official Email]

Data Protection Contact: [Insert DPO/Privacy Contact]

For purposes of applicable data protection law, LUMINA may act as a data controller in relation to personal information collected and processed through its services.

Depending on how you interact with LUMINA, we may collect:

Account Information

• Full name
• Email address
• Phone number
• Username
• Password credentials
• Profile information

Identity and Verification Information

Where required for account verification, KYC, fraud prevention or regulatory purposes:

• Government-issued identification
• Date of birth
• Residential address
• Verification information
• Identification photographs or related verification information

Transaction Information

We may collect information relating to:

• Auction participation
• Bids submitted
• Winning bids
• Purchases
• Listings
• Payments
• Refunds
• Wallet activity
• Escrow-related transactions
• Transaction references

Device and Technical Information

We may automatically collect:

• IP address
• Device information
• Browser type
• Operating system
• Device identifiers
• Application information
• Log information
• Approximate location information
• Usage and interaction information

Communications

We may collect information you provide when you:

• Contact support
• Submit complaints
• Report an issue
• Participate in surveys
• Communicate with LUMINA
• Communicate through supported platform features

We may use personal information to:

• Create and manage user accounts.
• Authenticate users.
• Verify identities.
• Facilitate auctions and bidding.
• Process transactions.
• Facilitate payments.
• Support wallet and escrow processes.
• Prevent fraud and abuse.
• Maintain platform security.
• Provide customer support.
• Resolve disputes.
• Send service notifications.
• Send important account communications.
• Improve our products and services.
• Analyse platform usage.
• Monitor system performance.
• Develop new features.
• Comply with applicable laws and regulatory requirements.
• Protect LUMINA, its users and other legitimate interests.

Where applicable, LUMINA processes personal information based on one or more lawful grounds, including:

• Performance of a contract.
• Compliance with legal obligations.
• Legitimate interests.
• Consent.
• Protection of vital interests where applicable.

Where processing relies on consent, you may have the right to withdraw consent, subject to applicable legal limitations.

LUMINA may use third-party payment processors, banks, financial institutions or other authorised service providers to process transactions.

Where payment information is processed by a third-party provider, that provider may process the information under its own privacy policy and applicable obligations.

LUMINA may retain transaction references and related records necessary for accounting, dispute resolution, fraud prevention, compliance and legitimate business purposes.

Certain LUMINA services may require identity verification. Verification information may be processed to:

• Confirm identity.
• Prevent fraud.
• Protect users.
• Meet legal or regulatory requirements.
• Prevent prohibited activity.
• Maintain marketplace integrity.

Where third-party verification providers are used, information may be shared with those providers as necessary to perform verification services.

LUMINA may maintain records relating to:

• Auctions you create.
• Auctions you view or participate in.
• Bids submitted.
• Bid timestamps.
• Winning bids.
• Auction outcomes.
• Transaction history.

This information may be necessary to maintain the integrity, transparency and auditability of the auction process.

LUMINA may use cookies and similar technologies to:

• Keep users signed in.
• Remember preferences.
• Improve website functionality.
• Understand website usage.
• Improve performance.
• Support security.
• Analyse user interactions.

Where required, LUMINA will provide appropriate cookie controls and notices.

We may share personal information with trusted third parties where reasonably necessary, including:

• Payment providers.
• KYC/identity verification providers.
• Cloud and hosting providers.
• Technology service providers.
• Analytics providers.
• Customer support providers.
• Professional advisers.
• Regulators and government authorities where legally required.
• Law enforcement where legally required.
• Business partners where necessary to provide requested services.

LUMINA does not sell personal information merely for the purpose of allowing third parties to independently market to you.

Where personal information is transferred outside Nigeria or another applicable jurisdiction, LUMINA will take appropriate steps required by applicable data protection laws.

LUMINA uses reasonable technical and organisational safeguards designed to protect personal information against:

• Unauthorised access.
• Loss.
• Misuse.
• Alteration.
• Disclosure.
• Destruction.

However, no internet-based system can be guaranteed to be completely secure.

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including:

• Providing services.
• Maintaining accounts.
• Completing transactions.
• Resolving disputes.
• Preventing fraud.
• Meeting legal obligations.
• Maintaining financial and transaction records.
• Protecting legitimate business interests.

Retention periods may vary depending on the type of information.

Subject to applicable law, you may have rights relating to your personal information, including rights to:

• Access your information.
• Request correction of inaccurate information.
• Request deletion where applicable.
• Object to certain processing.
• Request restriction of processing.
• Withdraw consent where processing is based on consent.
• Request data portability where applicable.
• Lodge a complaint with the relevant data protection authority.

The NDPC provides mechanisms for data-subject requests including access, rectification, erasure, withdrawal of consent, portability and objection to processing.

LUMINA is not intended for children who are below the minimum age required to lawfully use the relevant service. We do not knowingly collect personal information from children in circumstances where such collection is prohibited by applicable law.

LUMINA may contain links to third-party websites or services. LUMINA is not responsible for the privacy practices of third parties. Users should review the privacy policies of those services before providing personal information.

We may update this Privacy Policy periodically. Where appropriate, we will notify users of material changes through the platform or other appropriate communication channels. The updated policy will indicate the date it was last updated.

For privacy-related questions or requests:

Email: contact@luminaauction.com

Address:

For data protection requests, please provide sufficient information for us to identify your account and understand your request.

LUMINA

Mavier Innovation Limited