Privacy Policy

Information We Collect

We collect different types of information depending on how you interact with our services. Some information you provide directly, while other data is gathered automatically as you use our platform.

Information You Provide

When you register for our liquidity and solvency analysis services or contact us, we collect:

• Your name and contact details (email address, phone number)
• Business information including company name and Australian Business Number if applicable
• Financial data you upload for analysis purposes
• Communication preferences and feedback you share with us
• Payment information processed through our secure payment partners

Automatically Collected Data

When you visit our website, certain technical information is collected automatically:

• IP address and approximate geographic location
• Browser type, operating system, and device information
• Pages visited, time spent on site, and navigation patterns
• Referring website and search terms used to find us
• Cookies and similar tracking technologies (see our Cookie Policy for details)

How We Use Your Information

We use the information we collect for specific purposes that help us provide better services to you. Here's what we do with your data:

Legal Basis for Processing (Australian Privacy Principles)

Under the Privacy Act 1988 and Australian Privacy Principles (APPs), we process your personal information based on:

• Consent: You've agreed to our collection and use of your information when you signed up
• Contract Performance: We need your data to deliver the financial analysis services you requested
• Legal Obligations: Some data collection is required under Australian financial services regulations
• Legitimate Interests: We process certain data to improve our services, prevent fraud, and maintain security

Data Sharing and Third Parties

We share your information only when necessary and always with appropriate safeguards in place. Here's who might receive your data:

Service Providers

We work with trusted third-party companies that help us operate our platform. These include:

• Cloud hosting providers for secure data storage (AWS Australia region)
• Payment processors for handling transactions securely
• Email service providers for communications
• Analytics tools to understand how our platform is used

All service providers are bound by strict confidentiality agreements and can only use your data for the specific purposes we authorize.

Legal Requirements

We may disclose your information if required by Australian law, court order, or government request. This includes sharing data with:

• Australian Taxation Office if legally required
• Australian Securities and Investments Commission (ASIC) upon official request
• Law enforcement agencies in response to valid legal processes

Business Transfers

If temoravixi is involved in a merger, acquisition, or sale of assets, your information may be transferred. We'll notify you before your data becomes subject to a different privacy policy.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do:

Data Security and Protection

We take the security of your financial data seriously. Our protection measures include:

Technical Safeguards

• 256-bit SSL encryption for all data transmission
• Encrypted storage of sensitive financial information at rest
• Regular security audits and vulnerability testing
• Multi-factor authentication options for account access
• Automated backup systems with encrypted off-site storage
• Firewall protection and intrusion detection systems

Organizational Measures

• Strict access controls — only authorized staff can view personal data
• Regular security training for all team members
• Confidentiality agreements with all employees and contractors
• Incident response plan for potential data breaches
• Regular review and update of security policies

While we implement strong security measures, no internet transmission is completely secure. We can't guarantee absolute security, but we continually work to protect your data.

Data Retention and Deletion

We keep your information only as long as needed for the purposes described in this policy. Here's our approach to data retention:

Active Accounts

While your account is active, we retain all necessary information to provide our services and comply with legal obligations.

Inactive Accounts

If you haven't logged in for 24 months, we'll send you a notification before archiving your account. Archived accounts are deleted after an additional 12 months unless you reactivate them.

Closed Accounts

When you close your account, we delete most personal information within 90 days. However, some data must be retained for:

• Financial records: 7 years (Australian tax law requirement)
• Transaction history: 7 years (compliance with financial services regulations)
• Legal disputes: Duration of the dispute plus applicable statute of limitations
• Fraud prevention: Up to 5 years for security purposes

Backup Systems

Deleted data may persist in backup systems for up to 90 days before being permanently removed during routine backup cycles.

International Data Transfers

temoravixi primarily operates within Australia, and your data is stored on servers located in Australian data centers. However, some of our service providers may process data outside Australia.

When we transfer data internationally, we ensure adequate protection through:

• Standard contractual clauses approved under Australian privacy law
• Verification that recipient countries have adequate privacy protections
• Additional security measures for sensitive financial data
• Regular audits of international service providers

The countries where your data might be processed include United States (for certain cloud services) and Singapore (for regional backup systems). All transfers comply with APP 8 regarding cross-border disclosure of personal information.

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience on our website. These small files help us remember your preferences and understand how you use our platform.

Types of Cookies We Use

• Essential Cookies: Necessary for the website to function properly, including login sessions and security features
• Functional Cookies: Remember your preferences like language settings and display options
• Analytics Cookies: Help us understand how visitors interact with our website so we can improve it
• Performance Cookies: Monitor website speed and technical performance

You can control cookies through your browser settings. Blocking essential cookies may affect your ability to use certain features of our platform.

Children's Privacy

Our services are designed for business users and are not intended for individuals under 18 years of age. We don't knowingly collect personal information from children.

If we become aware that we've inadvertently collected data from someone under 18, we'll delete that information promptly. If you believe we might have information about a child, please contact us immediately.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations.

When we make changes:

• We'll update the "Last Updated" date at the top of this page
• For significant changes, we'll send you an email notification
• We'll post a notice on our website for 30 days
• Continued use of our services after changes take effect means you accept the updated policy

We encourage you to review this policy regularly to stay informed about how we protect your information.

Complaints and Disputes

If you're concerned about how we've handled your personal information, we want to hear from you. Here's our complaint process:

Step 1: Contact Us

Send your complaint to contact@temoravixi.com with details about your concern. We'll acknowledge receipt within 5 business days.

Step 2: Investigation

We'll investigate your complaint and respond within 30 days with our findings and any actions we've taken.

Step 3: External Review

If you're not satisfied with our response, you can lodge a complaint with: