Last updated: February 2026
Lumina Fintech (“we,” “our,” or “us”) operates an AI loan platform that helps personal and SME borrowers in Malaysia understand and compare loan options. We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website or services.
We may collect information you provide directly (e.g., name, email, phone, address when you contact us or request a consultation), information collected automatically when you use our website (e.g., IP address, browser type, pages visited), and information from third parties where permitted by law (e.g., for verification or compliance purposes).
We use your information to operate and improve our AI loan platform, including running loan eligibility checks and AI credit assessments, matching you with potential personal and SME loan options from participating lenders in Malaysia, communicating with you, sending relevant updates or marketing (where you have agreed), complying with legal and regulatory obligations, protecting our rights and the security of our systems, and for other legitimate business purposes described at the time of collection.
We may share your information with service providers who assist us (e.g., hosting, analytics, communication tools), with professional advisors where necessary, with participating banks and licensed lenders when you ask us to forward your details or when you proceed with an application, with regulators or law enforcement when required by law, and in connection with a merger, sale, or restructuring. We do not sell your personal information to third parties for their own marketing purposes.
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. No method of transmission over the Internet or electronic storage is 100% secure; we cannot guarantee absolute security.
We retain your information for as long as necessary to fulfill the purposes described in this policy, to comply with legal and regulatory requirements, and to resolve disputes and enforce our agreements. When no longer needed, we securely delete or anonymize your data.
Depending on your location, you may have the right to access, correct, delete, or restrict processing of your personal data, to data portability, to object to certain processing, and to withdraw consent where we rely on it. You may also have the right to lodge a complaint with a supervisory authority. To exercise these rights, contact us at the details below.
Our website may use cookies and similar technologies to improve functionality, analyze usage, and personalize content. You can control cookie preferences through your browser settings. Disabling certain cookies may affect your experience on our site.
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected such information, please contact us so we can delete it.
We may update this Privacy Policy from time to time. We will post the revised policy on this page and update the “Last updated” date. We encourage you to review this policy periodically. Continued use of our website or services after changes constitutes acceptance of the updated policy.
For questions about this Privacy Policy or our data practices, please contact us at hello@luminafintech.com or visit our Contact page. You can also review our Terms & Conditions for more information about your use of our AI loan platform.
