1. Information We Collect

We collect different types of information depending on how you interact with our services. Some information you provide directly to us, while other data is collected automatically when you use our platform.

Personal Information You Provide

• Contact details including your name, email address, phone number, and business address when you register for our services or reach out to us
• Business information such as company name, ABN, industry sector, and business size to help us tailor our financial analysis tools to your needs
• Financial data you upload or input into our platform for analysis purposes, which may include revenue figures, expense reports, cash flow statements, and other business metrics
• Payment information when you subscribe to our services, though credit card details are processed through secure third-party payment processors
• Communication records when you contact our support team or participate in our webinars and training sessions

Information Collected Automatically

• Usage data about how you interact with our platform, including features accessed, time spent on different sections, and analysis reports generated
• Technical information like your IP address, browser type, device information, and operating system
• Cookies and similar tracking technologies that help us understand user preferences and improve our service

2. How We Use Your Information

We use the information we collect to provide you with financial analysis services and to continually improve your experience. Here's what that looks like in practice.

• Providing our core financial analysis services, including generating reports, identifying business trends, and offering decision-making insights based on your data
• Personalizing your experience by remembering your preferences, customizing dashboard views, and suggesting relevant analysis tools
• Communicating with you about your account, sending service updates, responding to your inquiries, and sharing educational resources about financial analysis
• Processing payments and maintaining accurate billing records for your subscription
• Improving our platform through analysis of usage patterns and identifying areas where we can enhance functionality
• Ensuring security and preventing fraud by monitoring for suspicious activity and protecting against unauthorized access
• Complying with legal obligations, including tax reporting and financial regulations that apply to businesses in Australia

3. Data Sharing and Third Parties

We work with carefully selected service providers who help us deliver our platform. These partners only receive the minimum information necessary to perform their specific functions.

Service Providers We Work With

• Cloud hosting providers who store our platform data on secure Australian-based servers
• Payment processors who handle subscription billing securely without us storing your full credit card details
• Email service providers who help us send account notifications and educational content
• Analytics tools that help us understand how users interact with our platform, using aggregated and anonymized data
• Customer support software that enables our team to respond to your questions efficiently

All third-party providers we engage are bound by confidentiality agreements and must comply with Australian privacy laws. We conduct regular reviews to ensure they maintain appropriate security standards.

When We Might Be Required to Share Information

In limited circumstances, we may need to disclose your information without your consent:

• When legally required by Australian law, court orders, or government agencies
• To protect our legal rights or defend against legal claims
• In the event of a business merger, acquisition, or sale, where your data would transfer to the new entity under the same privacy protections
• To prevent imminent harm to individuals or protect public safety when we believe disclosure is necessary

4. 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.

How to Exercise Your Rights

To make a request regarding your personal information, send us an email at contact@jamanivosenovaloteon.com with "Privacy Request" in the subject line. Include your account email address and specify which right you'd like to exercise.

We'll respond to your request within 30 days. If we need additional time, we'll let you know why and when you can expect a response. Some requests may require identity verification to protect your security.

5. Data Security and Protection

Protecting your financial information is fundamental to what we do. We've implemented multiple layers of security to keep your data safe from unauthorized access, disclosure, or loss.

Technical Security Measures

• Industry-standard encryption for data transmission using TLS 1.3 protocol
• Encrypted storage of sensitive data at rest using AES-256 encryption
• Regular security audits and penetration testing conducted by independent third parties
• Multi-factor authentication options for account access
• Automated backup systems with encrypted storage in geographically separate locations
• Firewall protection and intrusion detection systems monitoring our infrastructure

Organizational Security Practices

• Strict access controls ensuring only authorized personnel can access your data
• Regular security training for all staff members handling customer information
• Confidentiality agreements signed by all employees and contractors
• Incident response procedures ready to address any potential data breaches quickly

While we take extensive precautions, no system is completely immune to security risks. If we detect a data breach affecting your information, we'll notify you within 72 hours as required by Australian privacy law and explain what happened and what steps we're taking.

6. Data Retention and Deletion

We keep your information only as long as necessary to provide our services and meet legal requirements. Different types of data have different retention periods.

Retention Periods

• Active account data is retained for the duration of your subscription plus 90 days after cancellation to allow for account reactivation
• Financial records and transaction history are kept for seven years to comply with Australian tax and accounting regulations
• Communication records with support are maintained for three years
• Marketing preferences and consent records are kept until you withdraw consent
• Technical logs and usage analytics are typically retained for 12 months

Account Deletion Process

When you request account deletion or after your account has been inactive for more than two years, we begin our deletion process. This involves removing your personal information from active systems within 30 days. However, some data may remain in backup systems for up to 90 additional days before being permanently erased.

We may retain certain information if required by law or to resolve disputes, enforce our terms, or prevent fraud. This retained information is isolated from active systems and kept only for the legally required period.

7. Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your experience and understand how you use our services. You have control over how these technologies work.

Types of Cookies We Use

• Essential cookies: Required for basic platform functionality like keeping you logged in and remembering your security preferences
  • These cannot be disabled as they're necessary for the platform to work
• Performance cookies: Help us understand how visitors interact with our platform by collecting anonymous usage statistics
  • Track page load times and identify technical issues
  • Measure which features are used most frequently
• Functional cookies: Remember your preferences like dashboard layout, language settings, and customized report templates

Managing Cookie Preferences

You can adjust your cookie settings through your browser preferences. Most browsers allow you to block or delete cookies, though this may affect platform functionality. Disabling essential cookies will prevent you from using certain features of our service.

8. International Data Transfers

Our primary data storage and processing occurs within Australia. However, some of our service providers operate internationally, which may involve transferring your data outside Australia.

When we transfer data internationally, we ensure adequate protections are in place:

• Transfers only occur to countries with privacy protections comparable to Australia's Privacy Act
• Service providers must sign agreements committing to Australian privacy standards
• We regularly review the data protection practices of international partners

9. Children's Privacy

Our services are designed for business use and are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we've collected information from someone under 18, we'll delete it promptly.

10. Changes to This Privacy 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 by email and display a notice on our platform at least 30 days before the changes take effect.

You can always find the most current version of this policy on our website. The "Effective Date" at the top indicates when the policy was last updated. Continuing to use our services after changes become effective means you accept the updated policy.

11. Making a Complaint

If you believe we've mishandled your personal information or have concerns about our privacy practices, please contact us first. We take complaints seriously and will work to resolve issues quickly.

Our complaint process:

• Send your complaint to contact@jamanivosenovaloteon.com with details about your concern
• We'll acknowledge receipt within 3 business days
• We'll investigate and respond with our findings within 30 days
• If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner