Privacy Policy

1. Introduction

Welcome to InvesTreasure, a cash analytics and treasury intelligence platform operated by LuminVibe. We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website and services at investreasure.co.in.

InvesTreasure is a cash analytics platform. It does not provide investment advice or act as a mutual fund distributor. All analytics are for informational purposes only. By using our services, you consent to the data practices described in this policy.

2. Information We Collect

2.1 Personal Information

• Contact Information: Name, email address, phone number, company name
• Account Information: Username, hashed password, profile details
• Business Information: Company type, role, industry sector, financial data you upload
• Communication Data: Messages, feedback, and support requests

2.2 Financial Data You Upload

To provide treasury analytics and cash forecasting, you may upload bank statements (PDF or CSV). This financial data is processed solely to generate your analytics dashboard. We do not share, sell, or use your financial data for any purpose other than providing the agreed service to you.

2.3 Technical Information

• Usage Data: IP address, browser type, device information, operating system
• Website Analytics: Pages visited, session duration, click patterns, referral sources (collected via Google Analytics and Microsoft Clarity, subject to your cookie consent)
• Cookies and Tracking: Session tokens, authentication data, and preference storage

3. How We Use Your Information

• Provide Services: Operate the platform, generate cash forecasts, display treasury analytics
• Security: Authenticate users, prevent fraud, and protect against unauthorised access
• Improve Services: Analyse usage patterns and improve the platform experience
• Communication: Send onboarding emails, service updates, and (with consent) product newsletters
• Compliance: Meet legal and regulatory obligations applicable in India

4. Legal Basis for Processing

• Consent: Analytics cookies, marketing communications (you can withdraw at any time)
• Contract: To fulfil our service agreement with you (e.g., processing uploaded statements)
• Legitimate Interest: Security, fraud prevention, and platform improvement
• Legal Obligation: Compliance with applicable Indian laws and regulations

5. Information Sharing

We do not sell your personal or financial data. We may share data only in the following circumstances:

5.1 Service Providers

• Cloud hosting and infrastructure (servers and databases)
• Analytics platforms (Google Analytics, Microsoft Clarity) — subject to your cookie consent
• CKB Credit & Holding Pvt Ltd — for optional investment opportunities surfaced on the platform

5.2 Legal Requirements

We may disclose information when required by law, court order, or to protect rights, property, or safety.

5.3 Business Transfers

In the event of a merger, acquisition, or asset sale, your information may be transferred to the new entity subject to equivalent protections.

6. Data Security

• Encryption: Data is encrypted in transit (TLS) and at rest
• Access Controls: Role-based access; financial data is accessible only to the account holder
• Authentication: Two-factor authentication (2FA) supported
• Secure Infrastructure: Hosted on protected cloud infrastructure with monitoring

No method of internet transmission or electronic storage is 100% secure. We strive to protect your information but cannot guarantee absolute security.

7. Your Rights

• Access: Request a copy of the personal data we hold about you
• Rectification: Correct inaccurate or incomplete information
• Erasure: Request deletion of your data (subject to legal retention obligations)
• Portability: Receive your data in a structured, machine-readable format
• Withdraw Consent: Revoke consent for analytics cookies at any time via our Cookie Policy page
• Objection: Object to processing based on legitimate interests

To exercise these rights, contact us at support@luminvibe.co.uk. We will respond within 30 days.

8. Data Retention

• Account Data: Retained while your account is active and for up to 7 years after closure
• Uploaded Financial Data: Retained for the duration of the service and deleted upon account closure
• Technical Logs: Typically retained for 12 months
• Analytics Data: As per Google Analytics and Microsoft Clarity retention settings

9. Cookies and Analytics

We use Google Tag Manager (which loads Google Analytics 4) and Microsoft Clarity to understand how our platform is used. These are loaded only after you grant analytics consent via our cookie banner. Microsoft Clarity automatically masks all sensitive content.

For full details on the cookies we use, please see our Cookie Policy.

10. Financial Disclaimer

InvesTreasure is a cash analytics platform. It does not provide investment advice or act as a mutual fund distributor. All analytics are for informational purposes only. Investment options surfaced via CKB Credit & Holding Pvt Ltd are subject to market risk. Read all scheme-related documents carefully before investing. InvesTreasure does not hold, move, or manage funds on your behalf.

11. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or applicable laws. Material changes will be communicated by posting the updated policy on our website and, where appropriate, by email notification. Your continued use of our services after changes take effect constitutes acceptance.

12. Contact Information