That's not a correct description of the genetics of the chinchilla. Unless she has been bred and thrown a standard kit, it's not possible to determine her genotype by a picture. Also, because ebony is not as fully understood as the other genes of chinchillas, it's not accurate to say that she carries ONE ebony gene. She could have multiple genes contributing to the "ebony" phenotype instead of the single genes we see in other coat color mutations.
As far as this owner is concerned, an accurate description of Luna's color is a light to medium phased ebony.