Privacy Policy

1. Introduction

Lumina Technologies PLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our digital platforms, including Gasha Insurance Platform, Meri Digital Lending Platform, and Arki Digital Marketplace, as well as our financial products and services.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you provide directly to us, including:

• Name, email address, phone number, and contact details
• Government-issued identification numbers
• Financial information (bank account details, credit history)
• Employment and income information
• Health information (for insurance products)
• Business information (for MSME and supply chain financing)

2.2 Automatically Collected Information

When you access our platforms, we automatically collect:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, click patterns)
• Location data (with your consent)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the collected information for the following purposes:

• To provide and maintain our services
• To process insurance applications and claims
• To assess creditworthiness and process loan applications
• To verify your identity and prevent fraud
• To communicate with you about our products and services
• To improve our platforms and develop new features
• To comply with legal and regulatory requirements
• To conduct risk assessment and underwriting
• To send marketing communications (with your consent)

4. Information Sharing and Disclosure

We may share your information with:

4.1 Service Providers

Third-party vendors who perform services on our behalf, including payment processors, data analytics providers, and cloud storage services.

4.2 Financial Partners

Banks, insurance companies, and other financial institutions that we partner with to deliver our products and services.

4.3 Regulatory Authorities

Government agencies and regulatory bodies as required by law, including the National Bank of Ethiopia and Insurance Commission.

4.4 Business Transfers

In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Regular security assessments and audits
• Access controls and authentication mechanisms
• Employee training on data protection
• Secure data centers and backup systems

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate or incomplete information
• Request deletion of your information (subject to legal requirements)
• Object to processing of your information
• Withdraw consent where processing is based on consent
• Request data portability
• Lodge a complaint with relevant authorities

To exercise these rights, please contact us using the information provided below.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our platforms. You can control cookies through your browser settings. For more information, please see our Cookie Policy.

9. Third-Party Links

Our platforms may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

12. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: