Privacy Policy

Introduction

LunarCircuit AS ("we", "our", or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your personal data when you visit our website at lunarcircuit.world or use our debt-free journey services.

As a company registered in Finland and operating within the European Union, we comply with the General Data Protection Regulation (GDPR) and other applicable data protection laws.

Data Controller Information

The data controller for your personal information is:

Data Collection

We collect personal data that you provide directly to us and information that is automatically collected when you use our website. The data we collect includes information necessary to provide our debt consultation and financial planning services effectively.

Information You Provide

• Name, email address, and phone number when you contact us
• Financial information including debt details, income, and expenses
• Legal documents and correspondence related to your debt situation
• Communication preferences and consultation notes
• Payment information for our services

Automatically Collected Information

• Website usage data through analytics tools
• Device information, IP address, and browser type
• Pages visited, time spent on our website, and referral sources
• Cookie data as described in our Cookie Policy

How We Use Your Information

We use your personal data for legitimate business purposes related to providing debt consultation and financial planning services. The legal basis for processing your data includes contract performance, legitimate interests, and your consent where applicable.

Primary Uses

• Providing debt consultation and financial planning services
• Communicating with you about your case and our services
• Processing payments and managing your account
• Legal representation and creditor negotiations on your behalf
• Complying with legal and regulatory requirements

Secondary Uses

• Improving our website and services through analytics
• Sending relevant information about debt management and financial planning
• Marketing our services to existing and potential clients (with consent)
• Fraud prevention and security monitoring

Cookies and Tracking Technologies

We may use cookies and tracking technologies for analytics, advertising, and remarketing purposes, including Google Ads. These technologies help us measure campaign effectiveness, deliver relevant advertisements, and improve our services. You can manage your cookie preferences at any time through our cookie consent banner.

For detailed information about the cookies we use, please see our Cookie Policy.

Data Sharing and Third Parties

We do not sell your personal data to third parties. We may share your information only in the following circumstances:

• With your explicit consent for specific purposes
• With legal professionals working on your case
• With service providers who assist in delivering our services (under strict confidentiality agreements)
• When required by law or to protect our legal rights
• With creditors or courts as necessary for legal proceedings

Service Providers

We work with trusted service providers including payment processors, email services, and analytics providers. All service providers are required to maintain appropriate security measures and use your data only for specified purposes.

Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, comply with legal obligations, and resolve disputes. Our data retention policies are designed to balance your privacy rights with our legitimate business needs and legal requirements.

Retention Periods

• Client files and case information: 7 years after case closure (legal requirement)
• Financial records: 7 years (tax and accounting requirements)
• Marketing communications: Until you withdraw consent
• Website analytics data: 26 months (Google Analytics default)
• Cookie data: As specified in our Cookie Policy

Your Rights

Under GDPR and applicable data protection laws, you have several important rights regarding your personal data. These rights include the ability to access, correct, delete, or restrict the processing of your information.

Your Data Protection Rights

• Right of Access: Request copies of your personal data
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your data in certain circumstances
• Right to Restrict Processing: Request limitation of data processing
• Right to Data Portability: Request transfer of your data to another service
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent for marketing communications

To exercise any of these rights, please contact us at privacy@lunarcircuit.world or +358 91573894. We will respond to your request within one month.

If you are not satisfied with our response, you have the right to lodge a complaint with the Finnish Data Protection Authority or your local data protection authority.

Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. Our security measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and updates
• Access controls and staff training on data protection
• Secure data backup and recovery procedures
• Regular monitoring for security breaches

While we strive to protect your personal data, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but will notify you promptly of any data breach that may affect your rights.

International Data Transfers

As we operate within the European Union, your personal data is primarily processed within the EU/EEA. If we transfer data outside the EU/EEA, we ensure appropriate safeguards are in place, such as:

• European Commission adequacy decisions
• Standard Contractual Clauses approved by the European Commission
• Binding Corporate Rules or certification schemes

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal data from children under 18. If you are a parent or guardian and believe your child has provided us with personal data, please contact us immediately so we can delete such information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your personal data.

Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data protection practices, please contact us using the information below: