Privacy Policy

Information We Collect

noreliquavox collects information to provide better financial planning services tailored to your needs. We're transparent about what we collect and why — because understanding your seasonal financial patterns requires certain data points.

We collect this information through various means — when you register for our services, interact with our platform, or communicate with our support team. Some data comes from third-party sources like credit bureaus or financial institutions, but only with your explicit consent.

How We Use Your Information

Your data serves specific purposes related to financial planning and service improvement. We don't use your information for unrelated activities or excessive marketing campaigns.

We also use aggregated, anonymous data to improve our algorithms and develop new features. This helps us understand broader financial patterns without compromising individual privacy. For instance, we might analyze general trends in holiday spending to improve our December planning recommendations.

Marketing communications are limited to service updates, educational content, and relevant financial tips. You can opt out anytime, and we respect your communication preferences completely.

Data Sharing and Third Parties

noreliquavox operates under strict data sharing principles. We don't sell your personal information to marketers, data brokers, or advertising companies. Period.

However, certain trusted partners help us deliver services effectively. These include payment processors, cloud storage providers, and regulatory compliance services. Each partner undergoes thorough vetting and signs comprehensive data protection agreements.

In specific circumstances, we may share information to comply with legal requirements, protect our rights, or prevent fraud. This includes responding to court orders, regulatory investigations, or law enforcement requests — but only when legally required.

Your Privacy Rights

Under Australian privacy laws, you have substantial control over your personal information. These rights aren't just theoretical — we've built systems to make them practical and accessible.

To exercise these rights, contact our privacy team using the details below. We typically respond within 5 business days and resolve most requests within 30 days. Some requests may require identity verification for security purposes.

Data Security and Protection

Protecting your financial information is our highest priority. We employ multiple security layers, from encryption to access controls, ensuring your data stays safe from unauthorized access.

All data transmission uses industry-standard TLS encryption. Information stored on our servers is encrypted using AES-256 encryption, and access requires multi-factor authentication. Our security team conducts regular penetration testing and vulnerability assessments.

Employee access to personal data is strictly limited based on job requirements. All staff undergo security training and sign confidentiality agreements. We monitor data access patterns to detect any unusual activity immediately.

Despite these protections, no system is completely secure. We commit to notifying affected users within 72 hours of discovering any data breach that might compromise personal information.

Data Retention and Deletion

We keep your information only as long as necessary to provide services and meet legal obligations. Different types of data have different retention periods based on their purpose and regulatory requirements.

Active account data remains accessible while you use our services. After account closure, we retain basic information for 7 years to comply with Australian tax and financial record-keeping requirements. This includes transaction history and tax-related documents.

Marketing preferences and communication logs are deleted within 2 years of your last interaction with our platform. Website usage data and analytics information are anonymized after 18 months and then aggregated for service improvement.

You can request immediate deletion of non-essential data anytime. Essential records required for legal compliance will be deleted according to the statutory minimum retention periods, but we'll clearly explain what must be kept and why.

International Data Transfers

noreliquavox primarily processes data within Australia using local cloud infrastructure. However, some service providers and backup systems operate internationally, particularly in New Zealand and Singapore.

Any international transfers comply with Australian Privacy Principles and include appropriate safeguards like standard contractual clauses or adequacy decisions. We ensure overseas recipients provide equivalent privacy protection to Australian standards.

Updates to This Policy

Privacy practices evolve with technology and regulations. We review this policy annually and update it whenever significant changes occur to our data handling practices or legal requirements.

Major changes will be communicated via email and prominent website notices at least 30 days before implementation. Minor updates, like contact information changes, take effect immediately but are highlighted in our change log.

We encourage periodic review of this policy, especially before providing new types of personal information or using new features that might involve different data processing activities.