Privacy Policy

1. Introduction

Fum de Llum ("Fum de Llum", "we", "us", or "our") provides AI-driven data analysis and decision-support tools for long-term private portfolios. This Privacy Policy explains what information we collect when you visit our website or use our services, how we use it, and the choices available to you.

By accessing or using our website and services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the practices described here, please do not use our website or services.

2. Information We Collect

We may collect the following categories of information:

• Information you provide directly — such as your name, email address, company, and any details submitted through contact forms, briefing requests, or correspondence with us.
• Technical and usage information — such as IP address, browser type, device information, pages visited, referring URLs, and timestamps, typically collected automatically when you browse our website.
• Cookies and similar technologies — used to remember preferences, understand site usage, and support basic website functionality. See Section 6 for details.
• Information related to service usage — such as configuration settings, feedback, and interaction data generated when you use features of our platform, if applicable.

We do not knowingly collect sensitive personal data (such as health, biometric, or precise financial account credentials) through our website.

3. How We Use Your Information

We use the information described above for purposes including:

• Operating, maintaining, and improving our website and services;
• Responding to inquiries, briefing requests, and support messages;
• Communicating updates, service notices, or requested information;
• Analyzing usage patterns to improve content, performance, and user experience;
• Detecting, preventing, and addressing technical issues, fraud, or misuse;
• Complying with applicable legal obligations.

We do not use personal information to generate individualized financial advice. Any analytical outputs referenced on this website are for informational purposes only.

4. Legal Basis for Processing

Where applicable data protection law requires a legal basis for processing personal data, we rely on one or more of the following: your consent, the necessity of processing to respond to your request or provide a service you asked for, our legitimate interests in operating and improving our website, and compliance with legal obligations.

5. Sharing of Information

We do not sell personal information. We may share information in the following circumstances:

• With service providers who assist us in operating our website (such as hosting, analytics, or communication tools), subject to confidentiality obligations;
• If required by law, regulation, legal process, or governmental request;
• To protect the rights, property, or safety of Fum de Llum, our users, or others;
• In connection with a business transaction such as a merger, acquisition, or asset sale, subject to appropriate safeguards.

6. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to support core functionality, remember preferences, and understand how visitors interact with our content. You can control or disable cookies through your browser settings; however, doing so may affect certain website features.

We do not currently respond to "Do Not Track" browser signals in a distinct manner beyond the controls described in this section.

7. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. When information is no longer needed, we take reasonable steps to delete or anonymize it.

8. Data Security

We implement reasonable technical and organizational measures designed to protect information from unauthorized access, loss, misuse, or alteration. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. International Data Transfers

If information is transferred to or processed in countries other than your own, we aim to ensure that such transfers are conducted in accordance with applicable data protection requirements, using appropriate safeguards where required.

10. Your Rights

Depending on your jurisdiction, you may have rights regarding your personal information, which can include the right to:

• Request access to the personal information we hold about you;
• Request correction of inaccurate or incomplete information;
• Request deletion of your personal information, subject to certain exceptions;
• Object to or restrict certain processing activities;
• Request a copy of your data in a portable format, where applicable;
• Withdraw consent, where processing is based on consent.

To exercise any of these rights, please contact us using the details provided on our Contact page. We may need to verify your identity before fulfilling certain requests.

11. Children's Privacy

Our website and services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can take appropriate action.

12. Third-Party Links

Our website may contain links to third-party websites or services. This Privacy Policy does not apply to those third parties, and we encourage you to review their respective privacy policies before providing any personal information.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. Any updates will be posted on this page, and material changes may be communicated through additional notice where appropriate.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out through the details listed on our Contact page.