xeloranivax Financial Education | Small Business Management Training

Information We Collect

At xeloranivax, we collect information that helps us provide better financial management tools for your small business. This includes information you provide directly, data collected automatically through your use of our services, and information from third-party sources when necessary for service delivery.

Personal Information

Name, email address, phone number, business address, and other contact details you provide when creating an account or contacting our support team.

Financial Data

Bank account information, transaction records, payment history, and financial statements you upload or connect through our platform.

Usage Information

How you interact with our platform, feature usage patterns, session duration, and preferences you set within your account.

Device Information

IP address, browser type, operating system, device identifiers, and location data when you access our services.

We only collect information that's necessary to provide our financial management services and improve your experience with xeloranivax.

How We Use Your Information

Your information helps us deliver personalised financial management solutions and maintain the security of our platform. We're transparent about how we use your data and ensure it directly supports the services you've signed up for.

Service Delivery

Processing your financial transactions and generating reports
Providing customer support and responding to your inquiries
Sending important updates about your account or our services
Customising your dashboard and recommendations based on your business needs

Security and Compliance

Detecting and preventing fraudulent activities
Complying with Australian financial regulations and reporting requirements
Maintaining the security and integrity of our systems
Conducting internal audits and risk assessments

Communication

Sending educational content about financial management best practices
Notifying you about new features that may benefit your business
Providing updates about changes to our terms or policies
Responding to feedback and improving our services

Information Sharing and Disclosure

We take a careful approach to sharing your information. Your financial data stays secure, and we only share information when it's necessary for service delivery, required by Australian law, or with your explicit consent.

Service Providers

We work with trusted third-party providers who help us deliver our services, including cloud hosting, payment processing, and customer support tools. These providers are bound by strict confidentiality agreements and can only use your information for the specific services they provide to xeloranivax.

Legal Requirements

We may disclose your information when required by Australian law, including compliance with Australian Taxation Office requirements, anti-money laundering regulations, or in response to valid legal requests from law enforcement agencies.

We will never sell your personal information to third parties for marketing purposes. Your trust is fundamental to our business relationship.

Your Privacy Rights

Under Australian Privacy Principles and the Privacy Act 1988, you have specific rights regarding your personal information. We've made it straightforward to exercise these rights through your account settings or by contacting our privacy team directly.

Your Rights Include:

Access Your Information

Request a copy of the personal information we hold about you, including how we've used it and who we've shared it with.

Correct Inaccuracies

Update or correct any personal information that's outdated or incorrect through your account settings.

Delete Your Data

Request deletion of your personal information, subject to our legal obligations to retain certain financial records.

Restrict Processing

Limit how we use your information in certain circumstances, such as while we investigate a correction request.

Data Portability

Export your financial data in a commonly used format when you want to move to another service provider.

Lodge Complaints

Contact the Australian Information Commissioner if you believe we've mishandled your personal information.

How to Exercise Your Rights

Most privacy controls are available directly in your account dashboard. For more complex requests, email our privacy team at help@xeloranivax.com with "Privacy Request" in the subject line. We'll respond within 30 days and verify your identity before processing any requests.

Data Security and Protection

Protecting your financial information is our top priority. We employ multiple layers of security measures, from encryption and secure servers to regular security audits and staff training on data protection best practices.

Technical Safeguards

256-bit SSL encryption for all data transmission
Advanced firewall protection and intrusion detection systems
Regular security testing and vulnerability assessments
Automated backup systems with encrypted data storage
Multi-factor authentication for account access

Operational Security

Limited access to personal information on a need-to-know basis
Background checks for all staff handling personal information
Regular privacy and security training for our team
Incident response procedures for any potential data breaches
Annual third-party security audits and certifications

In the unlikely event of a data breach affecting your personal information, we'll notify you within 72 hours and provide clear steps to protect your account.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and comply with Australian legal requirements. Different types of information have different retention periods based on their purpose and regulatory requirements.

Retention Periods

Financial transaction records: 7 years (Australian Taxation Office requirement)
Account information: Duration of your subscription plus 2 years
Support communications: 3 years from last contact
Usage analytics: 2 years in aggregated, anonymised form
Marketing preferences: Until you unsubscribe or close your account

Secure Deletion Process

When retention periods expire or you request deletion, we permanently remove your information from our active systems. This includes secure deletion from backup systems within 90 days. Some information may remain in aggregated, anonymised reports that can't be linked back to you.

Cookies and Tracking

We use cookies and similar technologies to improve your experience on our platform, remember your preferences, and analyse how our services are used. You can control cookie settings through your browser, though some features may not work optimally with cookies disabled.

Types of Cookies We Use

Essential cookies: Required for basic platform functionality and security
Preference cookies: Remember your settings and customisation choices
Analytics cookies: Help us understand how you use our services
Performance cookies: Monitor system performance and identify technical issues

We don't use advertising cookies or share cookie data with advertising networks. Our tracking is focused solely on improving your xeloranivax experience.

International Data Transfers

While your data is primarily stored and processed in Australia, some of our trusted service providers operate internationally. When we transfer your information overseas, we ensure appropriate safeguards are in place to maintain the same level of protection required by Australian privacy laws.

Transfer Safeguards

Standard contractual clauses approved by Australian privacy regulators
Adequacy decisions recognising equivalent privacy protection
Certification schemes ensuring appropriate data protection standards
Regular audits of overseas service providers' privacy practices

Changes to This Policy

We review and update this privacy policy annually, or sooner if there are significant changes to our services or relevant Australian privacy laws. When we make changes, we'll notify you through your registered email address and provide a clear summary of what's changed.

How We Notify You

Email notification to your registered address at least 30 days before changes take effect
Prominent notice in your xeloranivax dashboard when you next log in
Updated policy posted on our website with clear change tracking
Option to review previous versions of our privacy policy

Significant changes that affect how we use your information will require your consent before taking effect.

xeloranivax

Privacy Policy