We collect information that helps us provide better financial services and support your business goals. The type of information we gather depends on how you use our services.
Privacy Policy
Last Updated: 14 January 2025
At xaliverontia, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you interact with our financial services.
We operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). Your trust matters to us, and we're committed to handling your information with care and transparency.
Information We Collect
Personal Information You Provide
- Contact details like your name, email address, phone number, and business address
- Business information including company name, ABN, industry sector, and operational details
- Financial information such as bank account details, transaction history, and payment preferences
- Identity verification documents as required by Australian financial regulations
- Communication records when you contact our support team or attend consultations
Information We Collect Automatically
- Technical data including IP address, browser type, device information, and operating system
- Usage patterns such as pages visited, time spent on our platform, and feature interactions
- Location data when relevant to service delivery and fraud prevention
- Cookie information that helps us understand user preferences and improve functionality
How We Use Your Information
Your information serves specific purposes that directly support our ability to deliver financial services effectively. We don't use your data for anything outside these defined purposes without your explicit consent.
| Purpose | Description | Legal Basis |
|---|---|---|
| Service Delivery | Processing transactions, managing accounts, and providing financial advice | Contract performance |
| Identity Verification | Confirming your identity and preventing fraud as required by law | Legal obligation |
| Customer Support | Responding to inquiries and resolving issues with our services | Legitimate interest |
| Service Improvement | Analyzing usage patterns to enhance platform functionality | Legitimate interest |
| Regulatory Compliance | Meeting Australian financial reporting and record-keeping requirements | Legal obligation |
| Communication | Sending service updates, policy changes, and important notifications | Legitimate interest |
We never sell your personal information to third parties. Any data sharing occurs only within the specific circumstances outlined in this policy, and we maintain strict controls over who can access your information.
Data Sharing and Disclosure
Sometimes we need to share information with trusted partners to deliver our services effectively. Here's when and why that happens.
Service Providers
We work with carefully selected companies that help us operate our platform. This includes payment processors, cloud storage providers, and analytics services. These partners can only use your data to provide specific services to us, and they're bound by strict confidentiality agreements.
Financial Institutions
When you authorise transactions or use payment services, we share necessary information with banks and payment networks. This is essential for processing your requests and maintaining secure financial operations.
Legal Requirements
Australian law sometimes requires us to disclose information to government agencies. This includes ASIC, the ATO, and law enforcement when they have proper legal authority. We comply with valid legal requests while protecting your rights to the fullest extent possible.
Business Transfers
If xaliverontia is acquired or merges with another company, your information would transfer as part of that transaction. We'd notify you of any such change and explain how it affects your privacy rights.
Your Privacy Rights
Under Australian privacy law, you have specific rights regarding your personal information. We've built processes to make exercising these rights straightforward.
Access Your Data
Request a copy of the personal information we hold about you. We'll provide this within 30 days, subject to identity verification.
Correct Information
Update inaccurate or incomplete data in your account. Some changes can be made directly through your dashboard.
Request Deletion
Ask us to delete your personal information, subject to legal retention requirements for financial records.
Restrict Processing
Limit how we use your data in specific circumstances, though this may affect service availability.
Object to Use
Opt out of certain data processing activities, particularly those based on legitimate interest rather than legal obligation.
Lodge Complaints
Contact us or the Office of the Australian Information Commissioner if you have concerns about privacy practices.
To exercise any of these rights, contact our privacy team using the details at the end of this policy. We'll verify your identity and respond to your request promptly.
Data Security
Protecting your information is fundamental to how we operate. We use multiple layers of security controls to safeguard your data from unauthorised access, loss, or misuse.
Technical Safeguards
- Industry-standard encryption for data transmission and storage
- Secure authentication systems with multi-factor verification options
- Regular security assessments and penetration testing
- Firewalls and intrusion detection systems monitoring network traffic
- Automated backup systems with encrypted data storage
Organisational Measures
- Strict access controls limiting who can view your information
- Comprehensive staff training on privacy and security protocols
- Confidentiality agreements for all team members and contractors
- Incident response procedures for potential security breaches
- Regular policy reviews and security updates
While we implement robust security measures, no system is completely immune to risks. We encourage you to use strong passwords, keep login credentials confidential, and notify us immediately if you suspect unauthorised account access.
Data Retention
We keep your information only as long as necessary for the purposes described in this policy or as required by Australian law.
Financial records must be retained for seven years under taxation and corporations law. Account information and transaction history follow similar retention requirements. Communication records are typically kept for three years unless needed for ongoing matters.
When retention periods expire, we securely delete or anonymise your information so it can no longer identify you. You can request deletion of certain data earlier, though we may need to retain some information to meet legal obligations.
Cookies and Tracking
Our website uses cookies and similar technologies to improve functionality and understand how people use our services.
Types of Cookies We Use
- Essential cookies that enable core platform functionality like secure login and navigation
- Performance cookies that help us understand which features are most useful
- Functional cookies that remember your preferences and settings
- Analytics cookies that provide insights into user behaviour and site performance
You can control cookie settings through your browser preferences. Disabling certain cookies may limit some platform features, but essential functionality will remain available.
Third-Party Links
Our platform may contain links to external websites operated by partners or service providers. We're not responsible for the privacy practices of these third-party sites.
When you leave our platform, we encourage you to review the privacy policies of any sites you visit. Their data practices may differ from ours, and they operate independently of xaliverontia's privacy commitments.
Children's Privacy
Our services are designed for business users and we don't knowingly collect information from individuals under 18 years of age. If you believe we've inadvertently gathered data from a minor, please contact us immediately so we can remove it.
International Data Transfers
While we primarily store data within Australia, some service providers may process information in other countries. When international transfers occur, we ensure adequate safeguards are in place through approved mechanisms like Standard Contractual Clauses.
Countries where data may be processed include the United States and Singapore, where our cloud infrastructure partners maintain secure data centres. These providers meet strict security and privacy standards compatible with Australian requirements.
Policy Updates
We review and update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. Material changes will be communicated through email or prominent notices on our platform.
The "Last Updated" date at the top of this policy indicates when the current version took effect. Continued use of our services after updates constitutes acceptance of the revised policy.
Questions About Privacy?
If you have concerns about how we handle your information or want to exercise your privacy rights, we're here to help.
This privacy policy is effective as of 14 January 2025 and governs the collection and use of personal information by xaliverontia.