Privacy Policy

1. Information We Collect

We collect different types of information to provide and improve our investment analysis services. The data we gather helps us understand your financial goals and deliver relevant insights.

Personal Information You Provide

When you register for our services or contact us, we collect:

• Full name and contact details (email address, phone number)
• Residential or business address
• Date of birth and identification documents when required for verification
• Investment preferences and financial goals
• Payment information and transaction history
• Communication preferences and correspondence with our team

Automatically Collected Information

Our systems automatically log certain information when you visit our website:

• IP address and device identifiers
• Browser type and version
• Pages visited and time spent on our site
• Referring website addresses
• Operating system and device characteristics

Financial and Investment Data

To provide accurate investment analysis, we may collect:

• Investment portfolio information you choose to share
• Risk tolerance assessments
• Financial objectives and constraints
• Investment experience level

2. How We Use Your Information

We use collected information for specific purposes related to delivering our investment analysis services and meeting our legal obligations under Australian law.

3. How We Share Your Information

We share your information only in specific circumstances and always in accordance with Australian privacy laws.

Service Providers

We work with trusted third-party service providers who help us operate our business. These include payment processors, data storage providers, and technology infrastructure partners. All service providers are contractually obligated to protect your information and can only use it for the specific purposes we authorize.

Legal Requirements

We may disclose your information when required by law, such as:

• Responding to court orders or legal processes
• Complying with Australian Securities and Investments Commission (ASIC) requirements
• Cooperating with law enforcement investigations
• Protecting our legal rights or defending against claims
• Preventing fraud or harm to individuals or property

Business Transfers

If polivexarion is involved in a merger, acquisition, or sale of assets, your personal information may be transferred. We'll notify you before your information becomes subject to a different privacy policy.

4. Your Privacy Rights

Under the Australian Privacy Principles, you have several important rights regarding your personal information.

How to Exercise Your Rights

To exercise any of these rights, contact us at info@polivexarion.com or write to our office. We'll verify your identity before processing your request and respond within the timeframes required by Australian law.

You also have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC) if you believe we've mishandled your personal information.

5. Data Security and Protection

We implement comprehensive security measures to protect your information from unauthorized access, alteration, disclosure, or destruction.

Technical Safeguards

• Industry-standard encryption for data transmission (TLS 1.3)
• Encrypted storage of sensitive personal and financial information
• Regular security audits and vulnerability assessments
• Firewalls and intrusion detection systems
• Secure access controls with multi-factor authentication
• Regular software updates and security patches

Organizational Measures

• Staff training on privacy and data protection obligations
• Strict access controls limiting who can view your information
• Confidentiality agreements with employees and contractors
• Incident response procedures for potential data breaches
• Regular review and updates to security policies

6. Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy and meet our legal obligations.

Retention Periods

• Active accounts: Information retained while your account remains active plus 7 years after closure for financial records
• Transaction records: Maintained for 7 years as required by Australian taxation law
• Marketing communications: Stored until you unsubscribe, then deleted within 90 days
• Website analytics: Aggregated data retained indefinitely; individual data deleted after 26 months
• Support inquiries: Kept for 3 years to maintain service quality and resolve disputes

Deletion Process

When retention periods expire or you request deletion, we securely remove your information from our active systems. Some data may remain in backup systems for up to 90 additional days before complete deletion. We maintain deletion logs for compliance purposes but these contain no personal information.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and understand how you interact with our services.

Types of Cookies We Use

• Essential cookies: Required for basic site functionality like security and account access
• Performance cookies: Help us understand how visitors use our site to improve user experience
• Functional cookies: Remember your preferences and personalize content
• Analytics cookies: Collect data about site traffic and user behavior patterns

You can control cookies through your browser settings. Blocking certain cookies may impact your ability to use some features of our website. Our cookie preferences tool lets you customize which non-essential cookies you accept.

8. Third-Party Links and Services

Our website may contain links to external sites not operated by polivexarion. We're not responsible for the privacy practices of these third-party sites. We recommend reviewing the privacy policies of any external sites you visit.

Some third-party services we integrate include:

• Payment processors for secure transaction handling
• Analytics providers to understand site usage
• Cloud storage services for data hosting
• Email service providers for communications

These providers process information on our behalf under strict contractual obligations that require them to protect your data and use it only as we direct.

9. International Data Transfers

Your information is primarily stored and processed in Australia. However, some service providers may process data in other countries with different privacy laws.

When we transfer personal information overseas, we ensure:

• The receiving country has substantially similar privacy protections to Australia
• Contractual safeguards requiring equivalent data protection standards
• Compliance with APP 8 regarding cross-border disclosure
• Appropriate security measures during transmission and storage

You can request details about where your information is stored by contacting us.

10. Children's Privacy

Our services are designed for adults aged 18 and older. We don't knowingly collect personal information from individuals under 18 without parental consent.

If we discover we've inadvertently collected information from someone under 18, we'll delete it promptly. Parents or guardians who believe their child has provided us with personal information should contact us immediately.

11. Changes to This Privacy Policy

We may update this policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll notify you through:

• Email notification to your registered address
• Prominent notice on our website
• In-app notification if you use our mobile services

The "Last Updated" date at the top of this policy indicates when changes were last made. We encourage you to review this policy periodically. Continued use of our services after changes constitutes acceptance of the updated policy.

12. Direct Marketing

We may use your contact information to send you marketing communications about our investment analysis services, educational content, and market insights. You have the right to opt out of marketing communications at any time.

Managing Marketing Preferences

• Click the unsubscribe link in any marketing email
• Update your preferences in your account settings
• Contact us directly to opt out of specific communication types
• Reply "STOP" to SMS marketing messages

Even if you opt out of marketing communications, we'll still send essential service-related messages about your account, transactions, and important policy updates.