1Information We Collect

When you use our financial analysis platform, we collect different types of information to provide you with accurate insights. Here's what we gather and why:

2How We Use Your Information

Your data helps us deliver better financial insights and improve our services. We use your information for these specific purposes:

• Conducting financial stability assessments and generating personalised reports
• Providing ongoing support and answering questions about your financial health
• Sending updates about market conditions that might affect your business
• Improving our analysis algorithms based on aggregated, anonymised data patterns
• Meeting legal requirements for financial services in Australia
• Preventing fraud and maintaining platform security

We never sell your personal information to third parties. That's not our business model, and frankly, it goes against everything we stand for as a trusted financial partner.

3Data Sharing and Third Parties

Sometimes we need to share information with trusted partners to deliver our services effectively. Here's when and with whom we share your data:

• Banking institutions for payment processing and account verification
• Cloud storage providers who host our secure servers in Australia
• Email service providers for sending you reports and communications
• Professional advisors like lawyers and accountants when required for compliance

If we're ever required to share information due to legal obligations or court orders, we'll notify you unless we're legally prevented from doing so.

4Data Security Measures

Protecting your financial information is absolutely critical. We use multiple layers of security to keep your data safe:

• 256-bit SSL encryption for all data transmission between your device and our servers
• Regular security audits conducted by independent cybersecurity firms
• Multi-factor authentication requirements for accessing sensitive information
• Automated backup systems with encrypted storage in Australian data centres
• Staff security training and background checks for anyone handling customer data
• Incident response procedures to quickly address any potential security issues

While we implement industry-standard security measures, no system is completely foolproof. We continuously monitor and update our security practices to stay ahead of emerging threats.

6Data Retention and Disposal

We keep your information for as long as necessary to provide our services and meet legal requirements. Here's our retention schedule:

• Active account data: Retained while your account remains open and for 3 years after closure
• Financial analysis reports: Kept for 5 years to support ongoing advisory relationships
• Communication records: Maintained for 2 years for customer service quality purposes
• Transaction records: Stored for 7 years as required by Australian financial regulations
• Marketing consent records: Kept until you withdraw consent, then deleted within 30 days

When we no longer need your information, we securely delete it using certified data destruction methods. This includes both digital deletion and physical destruction of any backup media.

7International Data Transfers

While we primarily store data in Australia, some of our service providers operate internationally. When we transfer data overseas, we ensure it receives the same level of protection:

• Cloud backup services in New Zealand and Singapore for disaster recovery
• Email delivery services that may route through international networks
• Customer support tools that help us respond to your inquiries faster

8Cookies and Website Analytics

Our website uses cookies and similar technologies to improve your experience and help us understand how people use our platform:

• Essential cookies that make the website function properly (like keeping you logged in)
• Analytics cookies that show us which features are most helpful to users
• Preference cookies that remember your settings and customisation choices

You can control cookie settings through your browser, but disabling certain cookies might affect how our platform works for you. We don't use cookies for advertising or tracking across other websites.

9Updates to This Policy

We review and update this privacy policy regularly to reflect changes in our services, legal requirements, or industry best practices. When we make significant changes:

• We'll email you at least 30 days before changes take effect
• Post notices on our website highlighting what's changed
• For major changes, we might ask for your renewed consent
• Always maintain previous versions so you can see what changed

Minor updates like fixing typos or clarifying existing practices won't trigger notifications, but we'll still update the "last modified" date below.