Privacy Policy
At nivoraxelo, we understand that your financial information is sensitive and personal. This privacy policy explains how we collect, use, protect, and share your information when you use our financial management communication services. We're committed to transparency and giving you control over your personal data.
Information We Collect
We collect different types of information to provide you with effective financial management communication services. Understanding what we collect helps you make informed decisions about sharing your information with us.
Personal Identification
Name, email address, phone number, postal address, and government-issued identification numbers when required for verification purposes.
Financial Information
Bank account details, credit card information, transaction history, and financial goals you share with us for service delivery.
Communication Records
Email exchanges, chat logs, phone call recordings, and meeting notes related to your financial management needs.
Technical Data
IP address, browser type, device information, and website usage patterns to improve our service delivery.
How We Collect Information
- Directly from you when you register for our services or communicate with our team
- Through your use of our website and digital platforms
- From third-party financial institutions with your explicit consent
- Through our communication channels including phone, email, and video consultations
How We Use Your Information
Your information helps us deliver personalized financial management communication services. We process your data for specific business purposes that directly benefit your experience with nivoraxelo.
Primary Uses
- Providing financial management consultation and communication services
- Processing payments and maintaining accurate billing records
- Sending service updates, appointment reminders, and important account notifications
- Analyzing your financial communication patterns to improve service recommendations
- Complying with Australian financial services regulations and legal requirements
- Protecting against fraud and unauthorized access to your accounts
Service Improvements
We analyze aggregated, non-identifying data to understand how clients use our services. This helps us develop better communication tools, identify common financial management challenges, and create more effective solutions for our client base.
Data Protection and Security
Protecting your financial information is fundamental to our operations. We implement multiple layers of security to safeguard your data against unauthorized access, alteration, disclosure, or destruction.
Encryption Standards
All sensitive data is encrypted using AES-256 encryption both in transit and at rest on our secure servers.
Access Controls
Multi-factor authentication and role-based access ensure only authorized personnel can access your information.
Regular Audits
Independent security assessments and penetration testing every six months to identify potential vulnerabilities.
Staff Training
All team members complete mandatory privacy and security training with quarterly updates on best practices.
Data Storage and Retention
Your personal information is stored on secure servers located in Australia, complying with local data residency requirements. We retain your information for seven years after your last interaction with our services, as required by Australian financial services legislation. After this period, we securely delete or anonymize your data unless legal obligations require longer retention.
Information Sharing and Disclosure
We limit information sharing to specific circumstances that support your service experience or comply with legal requirements. We never sell your personal information to third parties for marketing purposes.
Authorized Sharing Scenarios
- With your explicit written consent for specific purposes you've approved
- To financial institutions when facilitating transactions or account management on your behalf
- With professional advisors (lawyers, accountants, auditors) bound by confidentiality agreements
- To comply with court orders, legal processes, or regulatory requirements
- With trusted service providers who assist with our operations under strict confidentiality terms
Third-Party Service Providers
We work with carefully selected partners who help deliver our services, including cloud hosting providers, payment processors, and communication platforms. These partners sign comprehensive data processing agreements and can only use your information for the specific services they provide to us. They cannot use your data for their own purposes or share it with other parties.
International Data Transfers
While we primarily store and process data within Australia, some of our trusted service providers may process information in other countries with adequate privacy protections. When international transfers occur, we ensure appropriate safeguards are in place through standard contractual clauses or adequacy decisions recognized under Australian privacy law.
Countries Where Data May Be Processed
- United States (cloud infrastructure providers with Privacy Shield or equivalent protections)
- European Union member states (adequate privacy protection under Australian law)
- New Zealand (recognized adequate jurisdiction for privacy protection)
You have the right to request information about any international transfers involving your personal data and the safeguards we've implemented to protect your information.
Your Privacy Rights
Under Australian privacy law, you have significant control over your personal information. These rights ensure you can make informed decisions about how your data is used and maintained.
Access Your Information
Request a copy of all personal information we hold about you, including how it's been used and shared.
Correct Inaccuracies
Ask us to update or correct any personal information that is incomplete, outdated, or incorrect.
Delete Your Data
Request deletion of your personal information when it's no longer needed for the purposes it was collected.
Restrict Processing
Limit how we use your information in certain circumstances while maintaining your service access.
Data Portability
Receive your personal information in a structured format to transfer to another service provider.
Withdraw Consent
Remove your consent for specific uses of your information where consent is the legal basis for processing.
Exercising Your Rights
We've designed simple processes for you to exercise your privacy rights. Most requests can be handled within 30 days, though complex requests may require additional time.
How to Make a Request
- Email us at support@nivoraxelo.com with "Privacy Request" in the subject line
- Include your full name, contact information, and specific details about your request
- Provide identification verification to protect against unauthorized access
- Specify which rights you want to exercise and any relevant time periods
Response Timeframes
We acknowledge all privacy requests within 48 hours and provide substantive responses within 30 days. For complex requests requiring extensive data compilation, we may extend this timeframe to 60 days with advance notification and explanation of the delay.
If you're not satisfied with our response to your privacy request, you can file a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or call their enquiry line at 1300 363 992.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your browsing experience and understand how you interact with our services. You can control most cookies through your browser settings.
Types of Cookies We Use
- Essential cookies required for website functionality and security
- Performance cookies to analyze website usage and identify improvement opportunities
- Functional cookies to remember your preferences and customize your experience
- Communication cookies to enable chat features and appointment scheduling
Managing Cookie Preferences
You can disable cookies through your browser settings, though this may limit some website functionality. We provide a cookie preference center where you can manage non-essential cookies while maintaining full access to our services.
Changes to This Privacy Policy
We review and update this privacy policy annually or when significant changes occur to our data practices or legal requirements. Material changes are communicated through multiple channels to ensure you're informed about how your information is protected.
Notification Methods
- Email notifications to all active clients 30 days before changes take effect
- Prominent website notices highlighting key policy updates
- Direct communication during scheduled consultation appointments
- Updated policy versions clearly marked with revision dates
Previous versions of our privacy policy are available upon request for your reference and to track changes over time.
Privacy Questions and Concerns
Our privacy team is available to address your questions, concerns, or requests related to how we handle your personal information. We're committed to transparent communication about our privacy practices.
Privacy Officer Contact Information
Phone: +61 426 497 231
Email: support@nivoraxelo.com
Office Hours: Monday to Friday, 9:00 AM to 5:00 PM AEDT
For urgent privacy matters outside business hours, email inquiries receive automated acknowledgment with expected response timeframes. We prioritize data security concerns and unauthorized access reports for immediate attention.
Contact Our Privacy Team