Privacy Policy

Information We Collect

We collect different types of information depending on how you use our platform. Some data comes directly from you, while other information is gathered automatically as you navigate our tools.

Information You Provide Directly

• Contact details including your name, email address, and phone number when you create an account or reach out to our support team
• Financial information such as transaction data, account details, and payment information when you use our financial tools
• Profile information including preferences, settings, and customization choices you make within our platform
• Communication content when you send us messages, feedback, or participate in surveys

Information Collected Automatically

• Device information including IP address, browser type, operating system, and device identifiers
• Usage data such as pages visited, features accessed, time spent on platform, and interaction patterns
• Technical data including error reports, performance metrics, and diagnostic information
• Location information derived from your IP address to provide region-specific services

How We Use Your Information

Your data helps us deliver better financial tools and improve your experience. We don't sell your personal information to third parties. Here's what we actually do with the information we collect.

Data Sharing and Third Parties

We work with trusted partners to deliver our services, but we're selective about who gets access to your information. Any third party that handles your data is contractually obligated to protect it according to Australian privacy standards.

Service Providers

We share information with companies that help us operate our platform, including cloud hosting providers, payment processors, and technical support services. These providers can only use your data to perform specific tasks on our behalf.

Financial Institutions

When you connect bank accounts or use payment features, we share necessary information with financial institutions to process transactions and retrieve account data. This sharing is essential for our financial tools to function properly.

Legal Requirements

We may disclose your information when required by Australian law, court orders, or government requests. We'll notify you about such disclosures unless legally prohibited from doing so.

Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. We've built tools and processes to help you exercise these rights without unnecessary hassle.

Access and Correction

You can request a copy of the personal information we hold about you. If any details are inaccurate or outdated, you have the right to ask us to correct them. Most account information can be updated directly through your profile settings.

Data Portability

You can request an export of your data in a structured, commonly used format. This allows you to move your information to another service if you choose to do so. We'll provide this export within 30 days of your request.

Deletion Requests

You can request deletion of your personal information, subject to certain legal exceptions. For example, we may need to retain some data for tax purposes or to comply with financial regulations. When you delete your account, we'll remove personal identifiers within 90 days.

Marketing Communications

You can opt out of marketing emails at any time by clicking the unsubscribe link in any promotional message. Note that you'll still receive essential service communications related to your account and transactions.

Data Security and Protection

Protecting your financial information is a priority. We use industry-standard security measures to safeguard data against unauthorized access, alteration, or disclosure.

• Encryption in transit using TLS 1.3 protocol for all data transmitted between your device and our servers
• Encryption at rest for stored financial data using AES-256 encryption standards
• Multi-factor authentication options to protect account access
• Regular security audits and vulnerability assessments conducted by independent security firms
• Access controls limiting employee access to personal data on a need-to-know basis
• Automated monitoring systems to detect and respond to potential security incidents

While we implement strong security measures, no system is completely foolproof. We recommend using strong passwords and enabling two-factor authentication on your account for additional protection.

Data Retention

We keep your information only as long as necessary to provide services and meet legal obligations. Different types of data have different retention periods based on their purpose and regulatory requirements.

Active Account Data

While your account remains active, we retain your profile information, transaction history, and usage data to provide continuous service. You can request deletion of specific information that's no longer needed for service delivery.

Closed Account Data

When you close your account, we'll delete personal identifiers within 90 days. However, we may retain certain financial records for seven years to comply with Australian tax law and financial regulations. This retained data is anonymized where possible.

Legal Hold Data

If your data is subject to a legal hold or investigation, we'll retain relevant information until the matter is resolved, even if you request deletion. We'll notify you about such situations unless prohibited by law.

Cookies and Tracking

Our platform uses cookies and similar technologies to improve functionality and understand how people use our services. You can control cookie settings through your browser, though some features may not work properly if you disable certain cookies.

Essential Cookies

These cookies are necessary for the platform to function. They handle authentication, security features, and basic functionality. You can't opt out of essential cookies without affecting your ability to use our services.

Functional Cookies

These remember your preferences and settings to provide a personalized experience. For example, they store your language preference and interface customizations. You can disable these through your browser settings.

Analytics Cookies

We use analytics cookies to understand how visitors interact with our platform. This helps us identify areas for improvement and measure the effectiveness of new features. These cookies collect aggregated, non-identifying information.

International Data Transfers

Your data is primarily stored on servers located in Australia. However, some of our service providers operate in other countries, which may result in your information being processed outside Australia.

When we transfer data internationally, we ensure appropriate safeguards are in place through standard contractual clauses or other approved mechanisms. Any international partners must meet data protection standards equivalent to Australian requirements.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We don't knowingly collect personal information from children. If we discover that we've inadvertently collected data from someone under 18, we'll delete it promptly.

If you're a parent or guardian and believe your child has provided us with personal information, contact us at support@niaslivofiaex.com so we can take appropriate action.

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 or a prominent notice on our platform at least 30 days before the changes take effect.

We encourage you to review this policy periodically. Your continued use of our services after changes become effective constitutes acceptance of the updated policy. If you don't agree with changes, you can close your account before they take effect.

Making a Complaint

If you have concerns about how we handle your personal information, we want to hear from you. Contact our privacy team first so we can try to resolve the issue directly.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner. Visit oaic.gov.au for information about the complaints process.