Information We Collect

When you use our financial records platform, we collect different types of information to provide and improve our services. Here's what we gather and why:

Personal Identification Information

We collect basic details that help us identify you and communicate effectively:

• Full name and date of birth
• Email address and phone number
• Residential and business addresses
• Government identification numbers (like your Tax File Number, if you choose to provide it)

Financial Information

Because we handle financial records, we need specific financial data:

• Bank account details and transaction history
• Income and expense records
• Investment information and portfolio data
• Tax-related documentation
• Business financial records if you're a business owner

Technical and Usage Data

Like most online platforms, we automatically collect certain technical information:

• IP address and browser type
• Device information and operating system
• Pages you visit and features you use
• Time spent on different sections
• Referral sources and search queries

How We Use Your Information

We don't collect data just to have it sitting around. Every piece of information serves a specific purpose in delivering our financial records services to you.

Service Delivery and Account Management

The primary use of your data is straightforward – we need it to provide the service you're paying for. This includes:

• Setting up and maintaining your account
• Processing your financial records and generating reports
• Providing customer support when you need help
• Sending you service-related notifications and updates

Legal and Compliance Requirements

Australian financial regulations require us to maintain certain records and perform specific checks:

• Meeting obligations under anti-money laundering legislation
• Complying with tax reporting requirements
• Responding to lawful requests from authorities
• Maintaining records for the legally required retention periods

Platform Improvement and Security

We analyze how people use our platform to make it better and more secure:

• Identifying and fixing technical issues
• Detecting and preventing fraud or unauthorized access
• Understanding which features are most valuable to users
• Testing new functionality before full release

Data Storage and Security

Your financial information is sensitive, and we treat it that way. Here's how we protect it.

Security Measures We've Implemented

• Bank-level encryption for data in transit and at rest
• Multi-factor authentication to access your account
• Regular security audits by independent third parties
• Strict access controls – only authorized personnel can view your data
• Automated monitoring systems that detect unusual activity
• Regular backups stored in secure, geographically separate locations

That said, no system is completely bulletproof. We do everything reasonably possible to protect your information, but we can't guarantee absolute security. If we ever experience a data breach that affects your information, we'll notify you within 72 hours as required by Australian law.

Sharing Your Information

We don't sell your data to advertisers or marketers. Period. But we do share information in specific circumstances:

Service Providers and Partners

Some trusted third parties help us deliver our services:

• Cloud hosting providers who store our data securely
• Payment processors who handle subscription payments
• Customer support tools that help us respond to your questions
• Analytics providers who help us understand platform usage

All these partners are contractually bound to protect your information and can only use it for the specific purposes we authorize.

Legal Requirements

Sometimes we're legally required to disclose information:

• When ordered by a court or tribunal
• To comply with Australian Taxation Office requests
• In response to lawful requests from law enforcement
• To protect against fraud or illegal activity

Business Transfers

If novarilexpyt is ever acquired by or merged with another company, your information would be transferred as part of that transaction. We'd notify you before this happens and explain your options.

Your Rights and Choices

Under Australian privacy law, you have significant control over your personal information. Here's what you can do:

Access Your Data

You can request a copy of all the personal information we hold about you. We'll provide this within 30 days, usually much sooner. There's no charge for reasonable requests, though we might charge a fee if your request is particularly complex or repetitive.

Correct Inaccurate Information

If you spot something wrong in your data, let us know. You can update most information directly through your account settings, or contact us for help with other corrections.

Request Deletion

You can ask us to delete your personal information. We'll comply unless we need to keep it for legal reasons (like tax record retention requirements). Even after deletion, we might retain some information in backups for a limited time.

Object to Processing

You can object to how we use your data in certain situations. For instance, if we're using your information for purposes beyond core service delivery, you can opt out of those uses.

Data Portability

You can request your data in a commonly used, machine-readable format. This makes it easier if you want to move to another service provider.

Cookies and Tracking Technologies

We use cookies and similar technologies to make our platform work properly and understand how people use it.

Types of Cookies We Use

You can control cookies through your browser settings. But keep in mind that blocking essential cookies will prevent you from using certain platform features.

Data Retention

We don't keep your information longer than necessary. Here's our general approach:

Active Account Data

While your account is active, we retain all necessary information to provide our services. This includes your financial records, account settings, and usage history.

After Account Closure

When you close your account, we delete most of your personal information within 90 days. However, some data must be retained longer:

• Financial transaction records: 7 years (tax law requirement)
• Identity verification documents: 7 years (anti-money laundering requirement)
• Records related to disputes or legal matters: until resolved plus applicable limitation periods

Backup Systems

Deleted data might persist in backup systems for up to 6 months before being permanently removed. During this time, it's not accessible for normal operations.

Children's Privacy

Our services are designed for adults managing financial records. We don't knowingly collect information from anyone under 18 years old. If we discover we've accidentally collected data from a minor, we'll delete it immediately.

Parents or guardians who believe their child has provided us with personal information should contact us right away at contact@novarilexpyt.com.

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 by email and display a prominent notice on our platform.

Minor updates (like clarifications or formatting improvements) might not trigger notifications, but we'll always update the "Last Updated" date at the top of this page.

Continuing to use our services after we've notified you of changes means you accept the updated policy. If you disagree with the changes, you can close your account.

Third-Party Links

Our platform might contain links to external websites or services. We're not responsible for the privacy practices of these third parties. Before providing any information to external sites, read their privacy policies.

This is particularly important for financial services. Just because we link to a bank or financial institution doesn't mean they follow the same privacy standards we do.