Who We Are

loqilumira operates from Speke Rd Unit 5, New Mersey Retail Park, Liverpool L24 8QB, United Kingdom. We provide educational resources and learning programs focused on banking services.

When we say "we" or "us" in this policy, we're referring to loqilumira and our team. When we say "you," we mean anyone using our website or services.

Information We Collect

Information You Give Us Directly

When you sign up for our learning programs or contact us, you'll share certain details with us. This typically includes your name, email address, phone number, and sometimes your educational background or career interests.

If you enroll in a paid program, we'll also collect payment information. Though we should mention that payment processing happens through secure third-party services, so we never actually see or store your full card details.

Information We Collect Automatically

Like most websites, ours collects some technical information automatically when you visit. This includes your IP address, browser type, device information, and which pages you look at.

We use cookies and similar technologies for this. Some cookies are essential for the site to work properly, while others help us understand how people use our platform so we can make it better.

How We Use Your Information

We're not in the business of collecting data for the sake of it. Everything we gather serves a specific purpose related to providing and improving our educational services.

• To deliver the learning programs you've enrolled in and track your progress
• To communicate with you about your courses, send important updates, and respond to your questions
• To process payments and maintain financial records as required by UK law
• To improve our website and course content based on how people actually use them
• To send occasional updates about new programs or resources that might interest you (you can opt out anytime)
• To comply with legal obligations and protect against fraud or misuse

We'll never sell your personal information to third parties. That's not our model, and frankly, we think it's a terrible practice.

Legal Basis for Processing (UK GDPR)

Under UK data protection law, we need a lawful basis to process your personal information. Here's what applies to us:

Sharing Your Information

We work with a small number of trusted service providers who help us run our platform. These include:

• Hosting providers who keep our website running securely
• Payment processors who handle transactions (they're bound by strict PCI compliance standards)
• Email service providers who help us send course updates and communications
• Learning management system providers who host our course content

All these companies are carefully selected and contractually required to protect your data and use it only for the specific services they provide to us. They can't use your information for their own purposes.

We might also share information if legally required to do so by UK authorities or to protect our legal rights, but we'll always do the minimum necessary.

Your Rights Under UK Law

UK data protection law gives you substantial control over your personal information. Here's what you can do:

Access Your Data

You can request a copy of all personal information we hold about you. We'll provide this in a commonly used electronic format within 30 days. There's no charge for this unless you make repeated requests.

Correct Inaccurate Information

If any information we hold about you is wrong or outdated, you can ask us to correct it. We'll do this promptly once verified.

Delete Your Data

You can request deletion of your personal information in many circumstances. We'll comply unless we have a legitimate reason to keep it, such as completing a service you've paid for or meeting legal obligations.

Object to Processing

You can object to us processing your data for certain purposes, particularly marketing. We'll stop unless we can demonstrate compelling legitimate grounds.

Restrict Processing

In some situations, you can ask us to restrict how we use your data while we resolve a concern you've raised.

Data Portability

You can request your data in a machine-readable format to transfer to another service provider.

To exercise any of these rights, email us at contact@loqilumira.com with your request. We'll verify your identity and respond within 30 days.

Data Security

We take protecting your information seriously. Our security measures include encrypted connections (SSL/TLS), secure server infrastructure, regular security audits, and restricted access to personal data within our team.

All staff members who handle personal information receive training on data protection and privacy practices. We maintain written policies and procedures for data handling.

That said, no system is completely bulletproof. While we do everything reasonable to protect your data, we can't guarantee absolute security. If we ever experience a data breach that affects you, we'll notify you and the relevant authorities as required by UK law.

International Data Transfers

We primarily store and process data within the United Kingdom. However, some of our service providers may process data in other countries.

When data is transferred outside the UK, we ensure appropriate safeguards are in place. This might include using providers in countries with adequacy decisions from the UK government or implementing standard contractual clauses approved by UK authorities.

You can contact us for specific information about where your data is processed and what safeguards apply.

Cookies and Tracking

We use cookies to make our website work properly and to understand how people use it. When you first visit, you'll see a notice explaining this and giving you choices about which cookies to accept.

Essential Cookies

These are necessary for the website to function. They enable basic features like page navigation and access to secure areas. The website won't work properly without them.

Analytics Cookies

These help us understand how visitors interact with our website by collecting and reporting information anonymously. We use this to improve our platform.

Functionality Cookies

These remember choices you make (like your username or language preference) to provide enhanced, more personalized features.

You can control cookies through your browser settings, though blocking some types may impact your experience on our site.

Retention Periods

We don't keep your information longer than necessary. How long we retain data depends on its purpose and our legal obligations.

Active student data is kept throughout your enrollment and typically for three years afterward to provide transcripts and certificates. Financial records are retained for seven years as required by UK tax law. Marketing consent information is kept until you withdraw consent, then deleted.

Technical logs and analytics data are generally kept for 90 days, then automatically deleted or anonymized.

Children's Privacy

Our services are designed for adults. We don't knowingly collect information from anyone under 16 years old. If you're under 16, please don't provide any personal information to us.

If we discover we've inadvertently collected information from someone under 16, we'll delete it promptly.

Changes to This Policy

We occasionally update this policy to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email if you're enrolled in our programs, and we'll always post the updated version here with a new "Last Updated" date.

We encourage you to review this policy periodically. Your continued use of our services after changes indicates acceptance of the updated policy.

Complaints and Concerns

If you have concerns about how we handle your personal information, please contact us first so we can try to resolve the issue. We take complaints seriously and will investigate promptly.

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK's data protection regulator. You can contact them at ico.org.uk or by calling 0303 123 1113.