Privacy Policy

1. Information We Collect

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

• Personal Information: Name, email address, phone number, postal address, date of birth, and government-issued identification numbers when required for financial services verification.
• Financial Information: Income details, employment information, investment preferences, financial goals, existing assets and liabilities, and transaction history related to our services.
• Technical Information: IP address, browser type, device information, operating system, referring websites, and pages visited on our platform.
• Usage Data: How you interact with our website, time spent on pages, features used, and preferences selected during your visits.

2. How We Use Your Information

Your information helps us deliver personalized financial planning services and maintain the security of our platform. We use your data responsibly and in accordance with Australian privacy laws.

• Service Delivery: We use your financial information to create personalized advice, track your progress toward goals, and provide relevant educational content.
• Communication: Sending you important updates about your account, changes to our services, educational newsletters, and responding to your inquiries.
• Platform Improvement: Analyzing usage patterns to enhance our website functionality, develop new features, and improve user experience.
• Security and Fraud Prevention: Monitoring for suspicious activities, verifying your identity, and protecting against unauthorized access to your account.

3. Information Sharing and Disclosure

vestrilumora takes your privacy seriously and doesn't sell your personal information to third parties. We only share your information in specific circumstances that benefit you or when required by law.

• Service Providers: Trusted third-party companies that help us operate our platform, such as:
  • Cloud hosting services for secure data storage
  • Payment processors for transaction handling
  • Email service providers for communications
  • Analytics tools for website performance monitoring
• Financial Partners: When you request specific financial products, we may share relevant information with partner institutions to process your applications or provide quotes.
• Legal Requirements: We may disclose information when required by Australian law, court orders, or to protect the rights and safety of our users and the public.
• Business Transfers: If vestrilumora is acquired or merges with another company, your information may be transferred as part of that transaction, subject to the same privacy protections.

4. Your Rights and Choices

Under Australian privacy laws, you have several rights regarding your personal information. We make it easy for you to exercise these rights and maintain control over your data.

• Access: You can request a copy of all personal information we hold about you, including how we obtained it and how we've used it.
• Correction: If any of your information is incorrect or outdated, you can ask us to correct it. We'll update our records and notify any third parties if necessary.
• Deletion: You can request deletion of your personal information, subject to legal and regulatory requirements for financial services.
• Communication Preferences: You can opt out of marketing emails at any time, though we'll still need to send you important service-related messages.
• Data Portability: You can request your data in a commonly used format if you want to transfer it to another service provider.
• Complaints: If you're not satisfied with how we handle your privacy concerns, you can lodge a complaint with the Office of the Australian Information Commissioner.

To exercise any of these rights, simply contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and won't charge you a fee unless your request is excessive or clearly unfounded.

5. Data Security and Protection

Protecting your personal and financial information is one of our highest priorities. We've implemented comprehensive security measures to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

• Encryption: All data transmitted between your device and our servers is encrypted using industry-standard SSL/TLS protocols. Sensitive information is also encrypted when stored in our databases.
• Access Controls: Only authorized personnel have access to your information, and access is limited to what's necessary for their job functions. All access is logged and monitored.
• Regular Security Audits: We conduct regular security assessments and penetration testing to identify and address potential vulnerabilities in our systems.
• Secure Infrastructure: Our systems are hosted in secure data centers with physical security controls, redundant power supplies, and environmental monitoring.
• Staff Training: All employees receive regular training on data protection practices and are bound by confidentiality agreements.
• Incident Response: We have procedures in place to quickly detect, respond to, and notify you of any security incidents that might affect your information.

6. Data Retention and Deletion

We retain your information only as long as necessary to provide our services and comply with legal obligations. Different types of information are kept for different periods based on their purpose and regulatory requirements.

When information is no longer needed, we securely delete or anonymize it. For digital records, this means overwriting the data multiple times to ensure it cannot be recovered. Physical documents are securely shredded or incinerated.

If you close your account, we'll delete your personal information according to the schedule above, unless we're required to keep it longer for legal reasons. You can always contact us to ask about the status of your information or request early deletion where legally permissible.

7. Cookies and Tracking Technologies

vestrilumora uses cookies and similar technologies to enhance your browsing experience and understand how you use our website. These small data files help us remember your preferences and improve our services.

• Essential Cookies: Necessary for the website to function properly, including login sessions, security features, and basic navigation. These cannot be disabled.
• Performance Cookies: Help us understand how visitors interact with our website by collecting anonymous information about page views, time spent, and navigation patterns.
• Functional Cookies: Remember your preferences and settings, such as language choices, font sizes, and dashboard customization options.
• Marketing Cookies: Track your activity across websites to show you relevant content and advertisements. These are only set with your explicit consent.

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some features of our website. Most browsers allow you to block or delete cookies, and we provide clear options for managing your cookie preferences on our website.

8. International Data Transfers

While vestrilumora primarily operates in Australia, some of our service providers may store or process your information in other countries. When this happens, we ensure your information receives the same level of protection as required by Australian privacy laws.

• Adequate Protection: We only transfer data to countries or organizations that provide adequate privacy protections, as recognized by Australian authorities.
• Contractual Safeguards: When using international service providers, we include specific privacy clauses in our contracts to ensure your information is protected to Australian standards.
• Current Locations: Some of our cloud storage and backup systems may be located in the United States or Singapore, with providers that meet strict security and privacy standards.

9. Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our services, technology, or legal requirements. We'll always be transparent about any changes and give you appropriate notice.

• Notification: We'll email registered users about significant changes at least 30 days before they take effect. We'll also post notices on our website and update the "Last Modified" date at the top of this policy.
• Minor Changes: For minor updates like clarifications or formatting changes, we'll update the policy and note the changes on our website.
• Your Options: If you disagree with changes to our policy, you can close your account or contact us to discuss your concerns before the changes take effect.
• Version History: We maintain records of previous versions of this policy, which you can request if needed for your records.

By continuing to use vestrilumora services after policy changes take effect, you agree to the updated terms. We encourage you to review this policy regularly to stay informed about how we protect your information.