Information We Collect

We gather different types of information depending on how you interact with our services. Here's what we typically collect and why:

Personal Identification Information

When you sign up for our financial analysis services, we need basic details like your name, email address, phone number, and postal address. This helps us communicate with you and deliver the services you've requested.

Financial Information

To provide accurate financial stability analysis, we collect information about your income sources, expenses, assets, liabilities, and banking details. This data is essential for creating meaningful insights about your financial position. We only collect what's necessary for the specific analysis you've requested.

Technical Data

Like most websites, we automatically collect certain technical information when you visit our site. This includes your IP address, browser type, device information, and how you navigate through our pages. We use this to improve our website performance and user experience.

Communication Records

When you contact us through email, phone, or our contact form, we keep records of those conversations. This helps us provide better support and resolve any issues you might encounter.

How We Use Your Information

Your data serves specific purposes, and we don't use it for anything beyond what we've outlined here:

• Providing financial stability analysis and personalized recommendations based on your specific situation
• Communicating with you about your account, services, and updates that affect your financial analysis
• Processing payments and maintaining accurate billing records
• Improving our services by analyzing usage patterns and identifying areas for enhancement
• Complying with legal obligations under Australian law, including tax reporting and financial regulations
• Protecting against fraud and maintaining the security of our systems
• Sending educational content about financial stability topics, which you can opt out of at any time

Data Storage and Security

Your information is stored on secure servers located in Australia. We use industry-standard encryption protocols to protect your data during transmission and storage. Our security measures include:

• SSL/TLS encryption for all data transmitted between your device and our servers
• Encrypted database storage with regular security audits
• Restricted access controls – only authorized personnel can access your information
• Regular backups to prevent data loss
• Firewall protection and intrusion detection systems
• Annual third-party security assessments to identify vulnerabilities

Despite our best efforts, no system is completely invulnerable. If a data breach occurs that affects your information, we'll notify you within 72 hours as required by Australian law.

Sharing Your Information

We only share your personal information in specific circumstances:

Service Providers

We work with trusted third-party providers who help us deliver our services. This includes payment processors, cloud hosting providers, and email service platforms. These companies are bound by strict confidentiality agreements and can only use your data for the specific purposes we've authorized.

Legal Requirements

Sometimes we're legally obligated to disclose information. This happens when we receive valid court orders, subpoenas, or when we need to comply with Australian taxation laws. We'll always notify you before disclosing information unless we're legally prohibited from doing so.

Business Transfers

If zelporaviq is acquired by or merges with another company, your information may be transferred as part of that transaction. We'll notify you before your information becomes subject to a different privacy policy.

We don't share your data with marketing companies, data brokers, or anyone else who isn't directly involved in providing you with our services.

Your Rights Under Australian Law

The Australian Privacy Act gives you several rights regarding your personal information. Here's what you can do:

Access Your Information

You can request a copy of all personal information we hold about you. We'll provide this within 30 days of your request, free of charge for the first request each year. Additional requests may incur a reasonable administrative fee.

Correct Inaccurate Data

If you notice any errors in your personal information, let us know and we'll fix it promptly. You can update most information directly through your account dashboard.

Request Deletion

You can ask us to delete your personal information, and we'll comply unless we're legally required to retain it. This might be the case for tax records or other financial documentation that must be kept for specific periods under Australian law.

Object to Processing

If you disagree with how we're using your information, you can object to specific types of processing. We'll review your request and stop the processing unless we have compelling legitimate grounds to continue.

Data Portability

You can request your data in a structured, commonly used format that allows you to transfer it to another service provider. We'll provide this in CSV or JSON format within 30 days.

Lodge a Complaint

If you believe we've mishandled your personal information, you can file a complaint with us or directly with the Office of the Australian Information Commissioner.

Data Retention

We don't keep your information longer than necessary. Here's our retention schedule:

After these periods expire, we securely delete your information using industry-standard data destruction methods.

Cookies and Tracking

Our website uses cookies to improve your experience and understand how people use our services. Cookies are small text files stored on your device that help us remember your preferences and analyze site usage.

Essential Cookies

These cookies are necessary for our website to function properly. They enable basic features like page navigation and access to secure areas. You can't opt out of these without affecting site functionality.

Analytics Cookies

We use analytics cookies to understand how visitors interact with our website. This helps us identify which pages are most useful and where people encounter problems. These cookies collect aggregated data that doesn't identify you personally.

Preference Cookies

These remember your choices, like language preferences or region settings, so you don't have to set them every time you visit.

You can control cookie settings through your browser. Blocking certain cookies may affect how our website works for you.

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 and we'll delete it.

International Data Transfers

Your information is primarily stored and processed in Australia. However, some of our service providers operate servers in other countries. When we transfer data internationally, we ensure those providers meet Australian privacy standards through:

• Standard contractual clauses approved by the Australian Information Commissioner
• Verification that the recipient country has adequate privacy protections
• Binding corporate rules that enforce Australian privacy standards globally

We currently work with providers in the United States and Singapore. All international transfers comply with Australian Privacy Principle 8.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and display a notice on our website for at least 30 days.

The date at the top of this page shows when we last updated the policy. Continued use of our services after changes take effect means you accept the updated terms.

Third-Party Links

Our website might contain links to other sites that aren't operated by us. We're not responsible for the privacy practices of those sites. When you click on third-party links, we encourage you to read their privacy policies before providing any personal information.