Information We Collect

When you use our services, we collect different types of information. Some you provide directly, while other data comes from how you interact with our platform. We only collect what's necessary to deliver our financial services effectively.

Personal Information You Provide

• Contact details including your name, email address, phone number, and postal address
• Financial information such as bank account details, payment card information, and transaction history
• Identification documents required for verification under Australian financial regulations
• Employment and income information when relevant to service delivery
• Communication preferences and correspondence you send us

Automatically Collected Data

• Device information including IP address, browser type, and operating system
• Usage patterns showing how you navigate and interact with our platform
• Location data when necessary for fraud prevention or service delivery
• Session details and access times for security monitoring

How We Use Your Information

Your data serves specific purposes that help us provide better financial services. We don't use your information for unrelated marketing or sell it to third parties. Everything we do with your data connects back to serving you better.

Data Sharing and Third Parties

We share your information only when necessary and always with appropriate safeguards. Our partners include payment processors, verification services, and technology providers who help us deliver our services. Each relationship is governed by strict confidentiality agreements.

Who We Share With

• Financial institutions and payment networks to process transactions
• Identity verification services as required by Australian financial regulations
• Cloud hosting providers who store data securely within Australia
• Professional advisors including legal and accounting firms
• Government agencies when legally required or to prevent fraud

We never sell your personal information to marketing companies or data brokers. Any data sharing happens within strict contractual frameworks that require the same level of protection we provide.

Your Privacy Rights

Under Australian privacy law, you have significant control over your personal information. We've designed straightforward processes to help you exercise these rights. Most requests can be handled through your account dashboard, though some may require verification for security reasons.

Data Security Measures

Protecting your financial information is something we take incredibly seriously. We've implemented multiple layers of security that meet and often exceed Australian financial industry standards. This isn't just about compliance – it's about earning your trust.

Technical Safeguards

• End-to-end encryption for all data transmission using TLS 1.3 protocol
• Database encryption at rest with regularly rotated encryption keys
• Multi-factor authentication required for account access
• Regular security audits and penetration testing by independent firms
• Automated monitoring systems that detect unusual activity patterns
• Secure data centres located within Australia with physical access controls

Organizational Measures

• Staff access to personal data limited by role and necessity
• Regular privacy and security training for all employees
• Confidentiality agreements binding all team members and contractors
• Incident response procedures tested quarterly
• Background checks for employees handling sensitive information

Despite our best efforts, no system is completely immune to security threats. If we detect a data breach that poses a risk to your privacy, we'll notify you and relevant authorities within 72 hours as required by law.

Data Retention and Deletion

We don't keep your information longer than necessary. However, Australian financial regulations require us to maintain certain records for specific periods. Here's what that means in practice.

Retention Periods

• Transaction records: Seven years from the date of transaction as required by tax law
• Account information: Five years after account closure for regulatory compliance
• Identity verification documents: Seven years after relationship ends
• Marketing communications: Until you unsubscribe or two years of inactivity
• Support inquiries: Three years after resolution for quality improvement

When retention periods expire and there's no legal reason to keep your data, we securely delete or anonymize it. Deletion is permanent and uses methods that prevent data recovery. Anonymized data that can't identify you may be retained for statistical analysis.

Cookies and Tracking Technologies

Like most financial platforms, we use cookies and similar technologies. These small files help us remember your preferences, keep you logged in securely, and understand how people use our platform. You have control over most cookies through your browser settings.

Types of Cookies We Use

• Essential cookies that make the platform function properly and securely
• Performance cookies that help us understand which features work well
• Functional cookies that remember your preferences and settings
• Security cookies that detect and prevent fraudulent activity

You can disable non-essential cookies through your browser settings, but this may limit some functionality. Essential cookies necessary for security and basic operation will remain active as they're required for the service to work.

International Data Transfers

We primarily store and process your data within Australia. However, some of our service providers operate internationally. When data leaves Australia, we ensure it receives equivalent protection through approved transfer mechanisms.

• Standard contractual clauses approved by Australian privacy authorities
• Transfers only to countries with adequate privacy protections
• Binding corporate rules for transfers within multinational service providers
• Your explicit consent when required for specific transfer purposes

Cloud backup services may store encrypted copies of data in overseas data centres, but encryption keys remain in Australia under our exclusive control.

Children's Privacy

Our services aren't designed for anyone under 18 years old. We don't knowingly collect personal information from children. If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can delete it.

Changes to This Policy

Privacy laws and our business practices evolve. When we update this policy, we'll post the new version here with a revised date. For significant changes that affect how we handle your information, we'll notify you directly by email or through prominent notices on our platform.

We encourage you to review this policy periodically. Continued use of our services after changes take effect means you accept the updated terms.

Complaints and Disputes

If you're concerned about how we've handled your personal information, we want to hear from you. Contact our privacy team first – most issues can be resolved quickly through direct conversation.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They provide independent oversight of privacy practices and can investigate complaints under the Privacy Act 1988.

• OAIC Website: www.oaic.gov.au
• OAIC Phone: 1300 363 992
• OAIC Address: GPO Box 5218, Sydney NSW 2001