Complaints Policy

This Cookie Policy explains how LUMINARY INC FINANCE LTD ("Luminary", "we", "us", or "our") uses cookies and similar technologies on our UK website and in connection with our Services. Capitalised terms not defined here have the meanings given in our Privacy Policy.

This Policy reflects the requirements of the UK Privacy and Electronic Communications Regulations (PECR) as amended by the Data (Use and Access) Act 2025, which came into force on 19 June 2026.

Luminary Inc Finance Ltd is a company incorporated in England and Wales (company number 11366159) with its registered office at 29 Finsbury Circus, London, EC2M 5SQ, United Kingdom, and is registered with the Financial Conduct Authority as a small electronic money institution (Firm Reference Number 900904). This Policy applies to the UK version of our website at luminaryinc.com/uk.

1) What Are Cookies?

Cookies are small text files stored in your browser. They help website providers understand how a site is used, remember login details, and store preferences.

We also use similar technologies, such as pixels, tags, software development kits, and local storage. References to cookies in this Policy include these technologies where the context allows.

2) Does Luminary Use Cookies?

Yes. In accordance with our Privacy Policy, we use cookies to:

  • ensure our Services function properly;
  • detect and prevent fraud;
  • understand how visitors use and engage with our site; and
  • analyse and improve our Services.

 

3) Who Sets Cookies on Luminary’s Website?

  • First-party cookies: set and read by Luminary when you use our Services.
  • Third-party cookies: set by other companies (e.g., Google, Meta) for analytics and related purposes. See “Managing Cookies” below for control options.

Some third-party cookie providers may process data outside the United Kingdom. Where this involves a transfer of your personal data, we address those transfers and the safeguards that apply in our Privacy Policy.

 

4) How We Use Cookies

Cookies help us deliver effective and secure Services. Under UK law, certain categories of cookies may be used without your prior consent. Other cookies require your consent before they are set.

A. Cookies Used Without Consent

The following categories of cookies do not require your prior consent under UK law (PECR as amended by the Data (Use and Access) Act 2025). They are necessary for the secure operation and improvement of the Services we provide.

 

Authentication

Remember your login state as you move through the site and dashboard.

Fraud Prevention and Detection

Identify risky devices and browsers and help prevent fraudulent transactions.

Security

Protect user data and platform infrastructure from unauthorised access. Permitted without consent under the Data (Use and Access) Act 2025.

Functionality and Interface

Display correct information for your selected location and keep features working as expected. Permitted without consent under the Data (Use and Access) Act 2025.

Analytics (Service Improvement Only)

Collect statistical information about how visitors use and navigate the site, used solely to improve our Services. This includes performance data, navigation patterns, and usage trends collected via tools such as Google Analytics. Data collected for this purpose is not used for advertising or profiling. Permitted without consent under the Data (Use and Access) Act 2025.

For details on Google’s data practices, visit: https://policies.google.com/privacy. You can opt out of Google Analytics tracking via the Google Analytics opt-out browser add-on.

B. Cookies Requiring Your Consent

The following categories of cookies are only set with your prior consent. You can manage your preferences at any time via our Cookie Settings tool.

 

Preference Cookies

Remember your settings and choices (e.g., language, region) beyond what is strictly necessary for functionality, so we can recognise you on return visits.

Advertising Cookies

Used by us and selected partners to show you relevant Luminary advertisements on other websites and to measure engagement with those advertisements. For cookies used on our business partners’ websites, please refer to those sites directly.

5) Managing Cookies

You can manage your consent preferences at any time via our Cookie Settings tool. Cookies used without consent (Section 4A) cannot be disabled as they are required to provide the Services or are otherwise permitted by law.

Your web browser may also allow you to delete or disable cookies. Note that some features may not function as intended if cookies are disabled.

Cookies last for different periods. Session cookies are deleted when you close your browser, while persistent cookies remain on your device for a defined period or until you delete them. The specific cookies we use, their providers, their purpose, and how long they last are listed in our Cookie Settings tool, which we keep up to date.

We do not set cookies that require your consent until you have given it through our cookie banner. You can withdraw or change your consent at any time, and doing so is as straightforward as giving it, by reopening the Cookie Settings tool. Withdrawing your consent does not affect the lawfulness of any processing carried out before you withdrew it, and we will stop setting the relevant cookies once you do.

 

Chrome: https://support.google.com/chrome/answer/95647?hl=en

Edge: https://support.microsoft.com/en-us/help/17442/windows-internet-explorer-delete-manage-cookies

Safari: https://support.apple.com/guide/safari/manage-cookies-and-website-data-sfri11471/mac

Firefox: https://support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer

Opera: https://help.opera.com/en/latest/web-preferences/#cookies

6) Contact and Complaints

If you have any questions about this Cookie Policy or our use of cookies, please contact:

 

Luminary Inc Finance Ltd

Company number 11366159

29 Finsbury Circus, London, EC2M 5SQ, United Kingdom

Data Protection Officer: dpo@luminaryinc.com

We request that any complaints be brought to our attention in the first instance so that we can investigate properly. If you remain dissatisfied, you may lodge a complaint with the Information Commissioner’s Office (ICO):

https://ico.org.uk

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