Privacy Policy
Your privacy matters to us. Here's how we protect and handle your personal information with complete transparency.
Last Updated: March 15, 2025
Information We Collect
We collect several types of information to provide and improve our financial services. The information we gather helps us understand your needs and deliver personalised financial solutions.
Personal Information You Provide
- Contact details including full name, email address, phone number, and postal address
- Financial information such as income details, employment status, and investment preferences
- Identity verification documents including driver's licence and passport details
- Banking information and account details necessary for our services
- Communications you send us including emails, chat messages, and phone conversations
Information Collected Automatically
- Browser type, operating system, and device information
- IP address and approximate geographic location
- Website usage patterns, pages visited, and time spent on our site
- Referral sources and search terms used to find our website
- Transaction history and service usage patterns
How We Use Your Information
Your information enables us to provide comprehensive financial services and maintain the highest standards of customer care. We use your data responsibly and only for legitimate business purposes.
| Purpose | Description | Legal Basis |
|---|---|---|
| Service Provision | Delivering financial advice, processing applications, and managing your accounts | Contract Performance |
| Identity Verification | Confirming your identity to comply with anti-money laundering regulations | Legal Obligation |
| Communication | Responding to inquiries, providing updates, and sending service notifications | Legitimate Interest |
| Service Improvement | Analysing usage patterns to enhance our website and services | Legitimate Interest |
Information Sharing and Disclosure
We share your information only when necessary to provide our services, comply with legal requirements, or protect our legitimate interests. We never sell your personal data to third parties for marketing purposes.
Authorised Disclosures
- Financial institutions when facilitating transactions or account management
- Regulatory bodies including ASIC, APRA, and AUSTRAC as required by law
- Service providers who assist with technology, processing, or administrative functions
- Legal advisors when required for compliance or dispute resolution
- Credit reporting agencies when conducting credit assessments
Important: We may disclose your information without consent in emergency situations to prevent serious harm to health, safety, or property, or when required by court order or law enforcement.
Data Security and Protection
We implement comprehensive security measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. Our security protocols align with Australian financial industry standards.
Technical Safeguards
- 256-bit SSL encryption for all data transmission
- Secure servers located in Australian data centres
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Automated backup systems with encrypted storage
Administrative Safeguards
- Background checks for all employees handling personal data
- Mandatory privacy training for staff members
- Access controls limiting data access to authorised personnel only
- Regular review and updating of security policies
- Incident response procedures for potential data breaches
Your Privacy Rights
Under Australian privacy legislation, you have specific rights regarding your personal information. We're committed to helping you exercise these rights promptly and effectively.
Access and Correction
You can request access to the personal information we hold about you and ask us to correct any inaccuracies. We'll respond to your request within 30 days and provide the information in a clear, understandable format.
Data Portability
Where technically feasible, you can request your personal information in a structured, commonly used format that allows you to transfer the data to another service provider.
Restriction and Deletion
You can request that we restrict processing of your personal information or delete it entirely, subject to legal and regulatory requirements that may require us to retain certain records.
Data Retention Periods
We retain your personal information only as long as necessary to fulfil the purposes for which it was collected and to comply with legal obligations.
| Information Type | Retention Period | Reason for Retention |
|---|---|---|
| Client Files | 7 years after service ends | Corporations Act requirement |
| Financial Records | 7 years from transaction | Tax and regulatory compliance |
| Marketing Communications | Until withdrawal of consent | Ongoing business relationship |
| Website Analytics | 26 months maximum | Service improvement analysis |
International Data Transfers
While we primarily store and process your data within Australia, some of our service providers may be located overseas. When transferring data internationally, we ensure appropriate safeguards are in place.
Approved Countries and Safeguards
- Cloud storage services in the United States with Privacy Shield certification
- European Union data centres operating under GDPR compliance
- New Zealand processing facilities with equivalent privacy protections
- Contractual data protection clauses for all international transfers
- Regular audits of overseas service providers' security practices
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your browsing experience, analyse site usage, and deliver personalised content. You can control cookie settings through your browser preferences.
Types of Cookies We Use
- Essential cookies: Required for basic website functionality and security
- Performance cookies: Help us understand how visitors use our site
- Functional cookies: Remember your preferences and customise your experience
- Marketing cookies: Track your interests to show relevant advertisements
Updates to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. We'll notify you of significant changes via email or by posting a notice on our website at least 30 days before the changes take effect.
We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information. Your continued use of our services after policy updates indicates your acceptance of the revised terms.
Privacy Questions or Concerns?
Email: help@zaylenquarvo.com
Phone: +61 417 569 495
Mail: Privacy Officer, zaylenquarvo Financial Services
120 Hargreaves St, Bendigo VIC 3550, Australia