It is important to LUMINATE to help our service users retain their privacy when they take advantage of all the internet has to offer.

Your privacy is important to you and to us. Therefore, we will protect the information you share with us. To protect your privacy, LUMINATE follows different principles in accordance with Nigeria Data Protection Regulation (NDPR) including global practices for users’ privacy and data protection.

1.0 Consent

You accept this Privacy Policy when you sign up for, access, or use our website, products and services offered on this website and all related sites and applications. If you continue to use this website, you are agreeing to comply with and be bound by the terms and conditions of use, which together with our Privacy Policy govern the LUMINATE’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, you are not permitted to use this website.

2.0 Changes to our Privacy Policy

We reserve the right to modify or amend this Privacy Policy at any time. All changes to this Privacy Policy will be effective immediately upon its posting on the website. We will notify you of changes to this Privacy Policy by clearly posting the changes in the website. Ensure you check this Policy regularly to stay updated with any amendment and understand how we use your information. Information collected before changes are made will be treated in accordance with the previous Privacy Policy.

3.0 Information We May Collect When you Browse on this Platform

4.0 How We Use the Information We Collect

5.0 Access to Your Personally Identifiable Information

Upon written request and verification of your identity, we will provide you with your personal information in our possession as well as the personal information, if any, that we have disclosed to third parties. Requests for such information should be sent to the contact information below.

6.0 Handling of Electronic Records and Backup

In general, we will retain all information collected through the website for, at a minimum, the length of time permitted by law. However, we will delete any personally identifiable information in our database upon your request or as otherwise required by law. We may, however, retain non-personally identifiable information indefinitely.

We maintain backup files as a protection against natural disasters, equipment failures, or other disruptions. Backup files protect you and us because they lower the risk of losing valuable data. Backup files may contain records with your personal information. Removing a record from our active files and databases does not remove that record from any backup systems. Such backup data will eventually be passively deleted as backup records are erased through the normal recycling of backup files. In the meantime, as long as backup records exist, they receive the same security protections as our other records.

7.0 Security

Communications between your browser and portions of this website containing personally identifiable information are protected with Secure Socket Layer (SSL) encryption. This encryption is to help protect your information while it is being transmitted. Once we receive your information, we strive to maintain the physical and electronic security of your personal information using commercially reasonable efforts.

No data transmission over the internet or any wireless network can be guaranteed to be perfectly secured. As a result, while we strive to protect your personal information using commercially available and standard encryption technology, we cannot ensure or guarantee the security of any information you transmit to us, and you do so at your own risk.

8.0 In the Event of a Security Breach of Your Personal Information

If we determine that, your personal information has or may reasonably have been disclosed due to a security breach of our systems, we will notify you, at the contact information provided to us, in accordance with and to the extent required by applicable state and federal law.

9.0 Third Party Privacy Practices

This Privacy Policy applies only to this website as provided by LUMINATE. This website may contain links to other websites, which may be subject to a different privacy policy or are otherwise maintained or provided by a third party. We are not responsible for the privacy practices of any third party website you access from this website. You should review the privacy policy of every website before using the website or submitting any information to the website.

10.0 Links to Other Websites

Certain transaction processing channels may require links to other websites. Please note that LUMINATE is not responsible for and has no control over third party websites. We do not monitor or review the content of other party’s websites, which are linked from this website. Opinions expressed or materials appearing on such websites are not necessarily shared or endorsed by us, and LUMINATE should not be regarded as the publisher of such opinions or materials. Please be aware that we are not responsible for the privacy practices, or content of any third party sites and we encourage our users to read the privacy statements of these sites. You should evaluate the security and trustworthiness of any other site connected to this website or accessed through this website yourself, before disclosing any personal information to it. LUMINATE will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information.

11.0 Contact Information

If you have any questions or concerns about LUMINATE’s Privacy Policy or privacy practice, please contact us at: or