Privacy Policy

Your privacy matters to us. This comprehensive policy explains how solunavexiro collects, uses, protects, and manages your personal information across our financial services platform.

Effective Date: January 1, 2025 | Last Updated: March 15, 2025

Information We Collect

solunavexiro collects various types of information to provide you with exceptional financial services and improve your experience on our platform. We're transparent about what we collect and why we need it.

Personal Identification Information: Your name, email address, phone number, date of birth, and government-issued identification numbers when you create an account or engage our services.

Financial Information: Bank account details, transaction history, credit scores, income information, and investment preferences necessary for providing tailored financial advice and services.

Technical Data: IP addresses, browser types, device information, cookies, and usage patterns to enhance platform security and user experience.

Communication Records: Emails, chat logs, phone call recordings, and support tickets to maintain service quality and resolve inquiries effectively.

Automatic Data Collection

Some information is collected automatically when you use our services, including location data (with your permission), session duration, pages visited, and interaction patterns. This helps us understand how you engage with our platform and identify areas for improvement.

How We Use Your Information

Your information serves multiple purposes within our organization, all designed to enhance your financial journey and ensure compliance with Australian financial regulations. Here's exactly how we put your data to work:

Service Delivery: Processing transactions, managing your accounts, providing personalized financial advice, and delivering the core services you've requested from solunavexiro.

Risk Management: Assessing creditworthiness, preventing fraud, monitoring suspicious activities, and ensuring compliance with anti-money laundering regulations.

Platform Improvement: Analyzing user behavior, testing new features, optimizing performance, and developing enhanced financial tools based on aggregated usage patterns.

Communication: Sending account updates, security alerts, educational content, market insights, and promotional materials (with your consent).

We also use your information to comply with legal obligations, respond to regulatory inquiries, and maintain detailed records as required by Australian financial services legislation. This ensures we meet our responsibilities while protecting your interests.

Information Sharing and Disclosure

solunavexiro takes a conservative approach to information sharing. We never sell your personal data to third parties for marketing purposes. However, there are specific circumstances where we may share your information:

Service Partners

We work with carefully vetted third-party service providers including payment processors, credit bureaus, technology vendors, and professional advisors. These partners are bound by strict confidentiality agreements and can only use your information for the specific services they provide to solunavexiro.

Legal Requirements: When required by Australian law, court orders, or regulatory authorities including ASIC, ATO, or AUSTRAC investigations.

Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity with equivalent privacy protections.

Security Purposes: To prevent fraud, investigate suspicious activities, or protect the rights and safety of solunavexiro, our users, or the public.

With Your Consent: Any other sharing will only occur with your explicit permission, which you can withdraw at any time.

Data Security and Protection

Protecting your financial information is our top priority. solunavexiro employs multiple layers of security measures that meet or exceed industry standards for financial services in Australia.

Encryption: All data transmission uses 256-bit SSL encryption, and sensitive information is encrypted at rest using advanced cryptographic standards.

Access Controls: Strict authentication protocols, role-based access permissions, and regular access reviews ensure only authorized personnel can view your information.

Monitoring: Continuous security monitoring, intrusion detection systems, and regular vulnerability assessments protect against unauthorized access attempts.

Physical Security: Our data centers feature biometric access controls, 24/7 surveillance, and environmental protections to safeguard physical infrastructure.

Despite our robust security measures, no system is completely impenetrable. In the unlikely event of a data breach, we'll notify affected users within 72 hours and work with relevant authorities to minimize any potential impact.

Your Privacy Rights

Under Australian Privacy Principles and international data protection laws, you have significant control over your personal information. solunavexiro is committed to honoring these rights promptly and transparently.

How to Exercise Your Rights

To exercise any of these rights, contact our Privacy Officer at info@solunavexiro.com or call +61862174100. We'll respond to your request within 30 days and may require identity verification for security purposes.

Access: Request a copy of all personal information we hold about you, including how it's been used and who it's been shared with.

Correction: Update or correct any inaccurate, incomplete, or outdated information in our records.

Deletion: Request deletion of your personal information, subject to legal retention requirements and active service agreements.

Portability: Receive your data in a structured format for transfer to another service provider.

Objection: Opt out of marketing communications or object to specific data processing activities.

Data Retention and Deletion

solunavexiro maintains clear data retention policies that balance your privacy rights with our legal and business obligations. Different types of information are retained for varying periods based on their purpose and regulatory requirements.

Account Information: Retained for the duration of your active relationship with solunavexiro, plus seven years following account closure as required by Australian financial services regulations.

Transaction Records: Maintained for seven years from the transaction date to comply with ATO requirements and facilitate tax reporting or audits.

Marketing Data: Deleted within two years of your last interaction unless you've provided ongoing consent for marketing communications.

Technical Logs: Automatically purged after 12 months unless required for ongoing security investigations or legal proceedings.

When information reaches its retention limit, we use secure deletion methods including cryptographic erasure and physical destruction of storage media. Some anonymized data may be retained indefinitely for statistical analysis and service improvement purposes.

International Data Transfers

While solunavexiro is based in Australia, we may occasionally transfer your information to trusted service providers located overseas. These transfers are governed by strict contractual protections and compliance requirements.

Transfer Safeguards

All international data transfers include contractual clauses requiring equivalent privacy protection, regular audits of foreign processors, and specific provisions for data subject rights enforcement. We only work with countries and organizations that provide adequate privacy protections.

Primary overseas locations include the United States (cloud infrastructure), Singapore (regional processing), and the European Union (analytics services). You have the right to know about these transfers and can contact us for specific details about any international processing of your information.

Cookies and Tracking Technologies

solunavexiro uses cookies and similar technologies to enhance your browsing experience, remember your preferences, and analyze platform usage. You have control over how these technologies interact with your device.

Essential Cookies: Required for basic platform functionality, security, and user authentication. These cannot be disabled without affecting service availability.

Preference Cookies: Remember your settings, language choices, and customization options to personalize your experience across sessions.

Analytics Cookies: Help us understand user behavior, popular features, and areas for improvement through aggregated usage statistics.

Marketing Cookies: Track the effectiveness of our advertising campaigns and deliver relevant content based on your interests (with your consent).

You can manage cookie preferences through your browser settings or our cookie consent tool. Note that disabling certain cookies may limit platform functionality or require repeated logins and preference setting.

Children's Privacy

solunavexiro's services are designed for adults and we do not knowingly collect personal information from individuals under 18 years of age. Our platform requires users to confirm they are at least 18 years old during account registration.

If we discover that we've inadvertently collected information from someone under 18, we'll delete this information immediately and take steps to prevent future occurrences. Parents or guardians who believe their child has provided information to solunavexiro should contact us immediately at info@solunavexiro.com.

Family Account Features

Our family financial planning services may involve discussions about minor dependents, but we only collect information about children when it's necessary for providing financial advice to their parents or legal guardians. This information is subject to the same privacy protections as all other personal data.

Privacy Policy Updates

solunavexiro may update this privacy policy periodically to reflect changes in our services, legal requirements, or data handling practices. We're committed to maintaining transparency about how we protect your information.

Significant changes will be communicated through email notifications, platform announcements, or prominent website notices at least 30 days before taking effect. Minor clarifications or administrative updates may be posted directly with immediate effect.

We encourage you to review this policy regularly and note the "Last Updated" date at the top of this page. Continued use of solunavexiro's services after policy updates constitutes acceptance of the revised terms.

Privacy Questions or Concerns?

Our Privacy Officer is available to address any questions about this policy or how we handle your personal information.

Address: S16, Level 18/324 Queen St, Brisbane City QLD 4000, Australia

Phone: +61862174100

Email: info@solunavexiro.com

If you're not satisfied with our response, you can also contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au