Privacy Policy
Last Updated: January 2026
Introduction
Luminate Group is committed to protecting your privacy and handling your personal data responsibly. This Privacy Policy explains how we collect, use, store, and protect information when you engage with our property investment research services.
Information We Collect
Personal Information
- Contact details (name, email, phone, address)
- Investment objectives and criteria
- Property interests and financial considerations
- Communication records and consultation notes
Usage Data
- Website interaction data
- Technical information (browser, device)
- Analytics data for service improvement
How We Use Your Information
- Providing property investment research services
- Communicating about your inquiries and engagements
- Improving our service quality and methodologies
- Complying with legal obligations
- Maintaining security and preventing fraud
Legal Basis for Processing
We process personal data based on:
- Consent: When you provide explicit permission
- Contract fulfillment: To deliver research services
- Legitimate interest: For service improvement and security
- Legal obligation: To comply with Singapore regulations
Data Protection and Security
We implement comprehensive security measures:
- Encryption of sensitive data in transit and at rest
- Access controls limiting who can view your information
- Regular security audits and updates
- Secure storage systems with backup protocols
- Employee confidentiality agreements and training
Data Retention
We retain personal data for:
- Active client data: Duration of engagement plus 7 years
- Financial records: 7 years as required by law
- Marketing communications: Until consent withdrawn
- Website analytics: 24 months
Your Rights
Under Singapore's Personal Data Protection Act, you have rights to:
- Access: Request copies of your personal data
- Correction: Update inaccurate or incomplete information
- Deletion: Request erasure of your data
- Restriction: Limit how we process your information
- Portability: Receive your data in structured format
- Objection: Object to certain processing activities
- Withdraw consent: For consent-based processing
Third-Party Services
We may share data with:
- Cloud hosting providers (secure data storage)
- Analytics services (anonymized usage data)
- Professional advisors (tax, legal) when coordinating services
- Payment processors for transaction handling
All third parties are contractually bound to protect your data and use it only for specified purposes.
Cookies and Tracking
Our website uses cookies. For detailed information, please review our Cookie Policy.
International Transfers
We primarily store data in Singapore. If data is transferred internationally, we ensure appropriate safeguards through:
- Standard contractual clauses
- Adequacy decisions by relevant authorities
- Your explicit consent when required
Policy Updates
We may update this policy periodically. Significant changes will be communicated via email to active clients. The "Last Updated" date reflects the most recent revision.
Contact Us
For privacy-related inquiries:
Email: [email protected]
Phone: +65 8673 1924
Address: 85 Science Park Drive #06-13, Singapore 118259