Privacy Policy

1. Information We Collect

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

Personal Information You Provide

• Name and contact details (email, phone number) when you create an account
• Business information including company name, ABN, and industry sector
• Financial data you upload for analysis purposes
• Payment information processed through our secure payment partners
• Communication preferences and feedback you share with us

Information Collected Automatically

Our systems automatically capture certain technical information to improve your experience and keep our platform secure:

• Device information (browser type, operating system, screen resolution)
• IP address and general location data
• Usage patterns including pages visited and features used
• Time spent on different sections of the platform
• Error logs and performance data

2. How We Use Your Information

Your data serves specific purposes that directly benefit your experience with our services. We're transparent about each use case:

We base our data processing on several legal grounds under Australian privacy legislation. Most commonly, we process your information because it's necessary to provide the services you've signed up for. Sometimes we need your explicit consent, and we always ask for it clearly when required.

3. Data Sharing and Third Parties

We work with carefully selected partners to deliver our services. Here's who might access your information and why:

Service Providers

These companies help us run our platform but can only use your data to perform specific tasks:

• Cloud hosting providers who store your data securely in Australian data centers
• Payment processors who handle transactions (they never share full payment details with us)
• Email service providers who help us send account notifications
• Analytics tools that help us understand how people use our platform

Business Partners

When you explicitly request integration with accounting software or other business tools, we share necessary data to make those connections work. You control these integrations through your account settings.

Legal Requirements

We might disclose information if required by Australian law, court orders, or government requests. This could include situations involving fraud investigation, national security, or legal proceedings. We'll notify you about such requests unless legally prohibited.

4. Your Privacy Rights

Australian privacy laws give you strong control over your personal information. Here are the rights you can exercise at any time:

1. Access Your Data: Request a copy of all personal information we hold about you. We'll provide this in a readable format within 30 days.
2. Correction: If any information we have is wrong or outdated, you can ask us to fix it. Most data can be updated directly in your account settings.
3. Deletion: Request that we delete your personal information. We'll comply unless we need to keep certain records for legal or legitimate business reasons.
4. Data Portability: Get your data in a structured format that you can transfer to another service provider.
5. Restrict Processing: Ask us to limit how we use your information in certain circumstances.
6. Object to Processing: Opt out of specific uses of your data, particularly for marketing purposes.
7. Withdraw Consent: If we're processing your data based on consent, you can withdraw it at any time.

To exercise any of these rights, contact us at help@paronivelxa.com or call +61 402 487 924. We'll respond within 30 days and won't charge a fee unless your request is clearly unfounded or excessive.

If you're not satisfied with how we handle your privacy concerns, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

5. Data Security Measures

Protecting your information is central to everything we do. Here's how we keep your data secure:

Technical Safeguards

• End-to-end encryption for data transmission using industry-standard TLS protocols
• Encrypted storage for all sensitive financial information at rest
• Multi-factor authentication options for account access
• Regular security audits and penetration testing by independent experts
• Automated monitoring systems that detect suspicious activity
• Secure backup systems with redundant storage in Australian data centers

Organizational Measures

Security isn't just about technology. We train our team regularly on privacy best practices and limit access to personal data on a need-to-know basis. Our employees sign confidentiality agreements, and we conduct background checks on anyone with system access.

Incident Response

Despite our best efforts, no system is completely immune to security incidents. If a data breach occurs that could seriously harm you, we'll notify you within 72 hours and provide clear information about what happened and what steps to take. We'll also report the incident to the OAIC as required.

6. Data Retention and Deletion

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

Active Account Data

While your account is active, we retain your information to provide continuous service. You can update or delete most data directly through your account dashboard at any time.

After Account Closure

When you close your account, we begin a deletion process. Most personal information is removed within 90 days. However, we keep certain records for longer periods when required:

• Financial transaction records (7 years for tax compliance)
• Legal agreements and contracts (duration specified in each agreement)
• Security logs and fraud prevention data (3 years)
• Anonymized usage statistics (indefinitely, as they can't identify you)

Backup Systems

Deleted data might remain in backup systems for up to 12 months before complete removal. These backups are encrypted and isolated from operational systems.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies. Let's break down what these are and how you can control them:

Essential Cookies

These cookies are necessary for the platform to function. They handle things like keeping you logged in and remembering your session. You can't opt out of these if you want to use our services.

Functional Cookies

These remember your preferences like language settings and interface customizations. They make your experience smoother but aren't strictly necessary.

Analytics Cookies

We use these to understand how people interact with our platform so we can make improvements. The data is aggregated and doesn't identify individual users.

You can manage cookie preferences through your browser settings or our cookie preference center. Note that blocking certain cookies might limit platform functionality.

8. International Data Transfers

Your data is primarily stored and processed in Australia. However, some of our service providers operate globally, which might involve transferring your information overseas.

When we transfer data internationally, we ensure adequate protection through:

• Standard contractual clauses approved by Australian privacy regulators
• Selecting providers in countries with adequate privacy protection
• Additional security measures for sensitive financial information
• Regular audits of international partners' privacy practices

Most of our core services run on Australian infrastructure, so international transfers are limited and carefully managed.

9. Children's Privacy

Our services are designed for businesses and professionals. We don't knowingly collect information from anyone under 18 years of age.

If you're a parent or guardian and believe your child has provided us with personal information, contact us immediately at help@paronivelxa.com. We'll delete such information promptly from our systems.

10. Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through:

• Email notification to your registered address
• Prominent notice on our platform dashboard
• Update notification when you next log in

We'll give you at least 30 days' notice before any material changes take effect. Your continued use of our services after that period means you accept the updated policy.

Previous versions of this policy are archived and available upon request if you want to review what's changed over time.

11. California Privacy Rights (CCPA)

While we're based in Australia, some users might be in California. If that's you, California law provides additional privacy rights:

• Right to know what personal information we collect and how we use it
• Right to delete personal information (with certain exceptions)
• Right to opt out of the sale of personal information (though we don't sell data)
• Right to non-discrimination for exercising these rights

California residents can exercise these rights using the same contact methods listed in this policy. We respond to verified requests within 45 days.