Privacy Policy

Protecting Your Personal Information

Last Updated: March 15, 2025

At paxorinevol, we understand that managing your financial information requires absolute trust. This privacy policy explains exactly how we collect, use, and protect your personal data when you use our budget risk management services. We're committed to transparency because your financial privacy matters deeply to us.

Information We Collect

We collect information that helps us provide better budget risk management services. This happens in several ways, and we want you to understand exactly what we gather.

Information You Provide Directly

Personal details when you create an account (name, email, phone number)
Financial information you choose to share for budget analysis
Communication preferences and feedback you provide
Documents you upload for risk assessment purposes

Information We Collect Automatically

Device information and browser type when you visit our website
Usage patterns and interaction data with our services
Location data (only with your explicit consent)
Cookies and similar tracking technologies

Australian Privacy Compliance

We strictly adhere to the Australian Privacy Principles under the Privacy Act 1988. All data collection practices meet or exceed Australian privacy standards, ensuring your information receives the highest level of protection.

How We Use Your Information

Your information helps us deliver personalized budget risk management services. Here's exactly what we do with the data you trust us with.

Purpose	Legal Basis	Data Used
Budget Analysis	Legitimate Interest	Financial data, usage patterns
Risk Assessment	Contract Performance	Financial information, historical data
Service Communication	Consent	Contact details, preferences
Account Management	Contract Performance	Personal details, account information

We never use your financial information for marketing to third parties. Your budget data stays within our risk management systems, helping us provide better insights and recommendations specifically for your situation.

Information Sharing and Disclosure

We believe in minimal data sharing. Your financial information is sensitive, and we treat it that way. Here are the only circumstances where we share your data.

Service Providers

We work with carefully selected partners who help us deliver our services. These include cloud storage providers, analytics services, and security specialists. All partners sign strict confidentiality agreements and can only use your data for specific, authorized purposes.

Legal Requirements

Sometimes Australian law requires us to share information with government agencies or courts. We'll only do this when legally obligated and will notify you unless prohibited by law.

Business Transfers

If paxorinevol is acquired or merges with another company, your information may transfer to the new entity. We'll notify you at least 30 days before any such transfer and ensure your privacy rights remain protected.

What We Never Share

We never sell your personal information to advertisers, data brokers, or marketing companies. Your financial data never leaves our secure systems for commercial purposes. Your trust is worth more than any revenue from data sales.

Data Security Measures

Protecting your financial information requires serious security measures. We've implemented multiple layers of protection to keep your data safe.

Technical Safeguards

256-bit SSL encryption for all data transmission
Advanced firewall protection and intrusion detection
Regular security audits by independent third parties
Multi-factor authentication for all team access
Automated backup systems with encryption at rest

Physical Security

Data centers with 24/7 monitoring and restricted access
Biometric authentication for server room entry
Climate-controlled environments with redundant power systems
Secure disposal of physical storage devices

Administrative Controls

Regular staff training on privacy and security protocols
Strict access controls limiting data exposure to authorized personnel only
Incident response procedures for potential security breaches
Annual privacy impact assessments and security reviews

Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. We've made exercising these rights straightforward and free of charge.

Access Your Data

Request a copy of all personal information we hold about you. We'll provide this within 30 days in a readable format that you can easily understand and use.

Correct Information

Update or correct any inaccurate personal information in your account. You can do this directly through your account settings or by contacting our privacy team.

Delete Your Data

Request deletion of your personal information, subject to legal and regulatory requirements. We'll explain any limitations and complete eligible deletions within 30 days.

Restrict Processing

Limit how we use your information in certain circumstances. We'll honor these restrictions while maintaining essential account functions and legal compliance.

Data Portability

Receive your personal information in a machine-readable format that you can transfer to another service provider if you choose to leave paxorinevol.

Withdraw Consent

Stop processing that requires your consent at any time. This won't affect processing that occurred before you withdrew consent or processing based on other legal grounds.

To exercise any of these rights, simply contact our Privacy Officer using the details below. We'll verify your identity and process your request promptly.

Data Retention and Deletion

We don't keep your information forever. Here's how long we retain different types of data and what happens when we delete it.

Active Account Period

While your account remains active, we retain your personal and financial information to provide ongoing budget risk management services. You can update or delete information anytime through your account settings.

Account Closure

When you close your account, we retain essential information for 7 years to comply with Australian financial record-keeping requirements. Non-essential data is deleted within 90 days of account closure.

Legal Hold Period

Financial records required by Australian law are retained for 7 years from the last transaction. After this period, all information is permanently deleted from our systems and backups.

Secure Deletion

When data reaches its deletion date, we use cryptographic erasure and multiple-pass overwriting to ensure information cannot be recovered. Deletion certificates are maintained for audit purposes.

If you have specific questions about retention periods for your particular information, our Privacy Officer can provide detailed timelines based on your account type and usage history.

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience with our budget risk management platform. Here's what we use and why.

Essential Cookies

These cookies are necessary for our website to function properly. They enable core features like secure login, session management, and account access. You cannot opt out of essential cookies while using our services.

Analytics Cookies

We use analytics cookies to understand how people interact with our platform. This helps us identify areas for improvement and optimize the user experience. These cookies don't identify you personally but provide aggregated usage statistics.

Preference Cookies

These cookies remember your settings and preferences, such as language choices and dashboard configurations. They make your experience more personalized and convenient during return visits.

Managing Your Cookie Preferences

You can control cookie settings through your browser preferences or our cookie preference center. Disabling certain cookies may limit some website functionality, but essential services will continue to work.

International Data Transfers

Your data is primarily processed within Australia, but some of our service providers operate internationally. We ensure appropriate safeguards protect your information during any international transfers.

Cloud Storage Partners

Our primary data storage occurs within Australian data centers. Backup systems may replicate data to secure facilities in New Zealand and Singapore, both countries with strong privacy protections comparable to Australian standards.

Service Providers

Some analytics and security services operate from the United States and European Union. These providers have certified their compliance with international privacy frameworks and sign data processing agreements that meet Australian privacy requirements.

Transfer Safeguards

Standard contractual clauses approved by Australian privacy authorities
Adequacy decisions recognizing equivalent privacy protections
Corporate binding rules for multinational service providers
Additional encryption during international data transmission

Privacy Policy Updates

We occasionally update this privacy policy to reflect changes in our services, legal requirements, or privacy practices. Here's how we handle updates and keep you informed.

Notification Process

When we make significant changes to this privacy policy, we'll notify you at least 30 days before the changes take effect. Notifications will be sent to your registered email address and displayed prominently on our website.

Types of Changes

Minor updates like clarifications or contact information changes may be made without advance notice. Significant changes affecting how we collect, use, or share your information will always include advance notification and, where required by law, your explicit consent.

Your Options

If you disagree with privacy policy changes, you can close your account before the changes take effect. We'll honor the previous privacy policy terms during your account closure process and data retention period.

Privacy Questions and Concerns

Our Privacy Officer is available to answer questions about this policy or help you exercise your privacy rights. We respond to all privacy inquiries within 5 business days.

Privacy Officer paxorinevol Budget Risk Management
58 Summer St, Orange NSW 2800
Australia

Email privacy@paxorinevol.com
Phone +61 7 4795 2540

Response Time Privacy inquiries: 5 business days
Access Requests Data requests: 30 calendar days

If you're not satisfied with our response to your privacy concerns, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by calling 1300 363 992.