Privacy Policy

Welcome to klyvaxentora's Privacy Policy. This comprehensive document outlines how we collect, use, store, and protect your personal information when you interact with our financial services platform at klyvaxentora.com. We're committed to maintaining the highest standards of privacy protection while delivering exceptional financial services to our clients across Australia.

This policy applies to all users of our website, mobile applications, and related services. By accessing or using our platform, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. We encourage you to review this policy regularly, as we may update it from time to time to reflect changes in our practices or legal requirements.

We collect various types of information to provide and improve our financial services. The information we collect falls into several categories, each serving specific purposes in delivering our services effectively.

Personal Information

• Full name, date of birth, and contact information including email addresses and phone numbers
• Residential and mailing addresses, including address history for verification purposes
• Government-issued identification numbers such as Tax File Numbers and driver's license details
• Employment information including employer details, job title, and income verification
• Financial information including bank account details, credit history, and transaction records
• Investment preferences, risk tolerance assessments, and financial goals

Technical Information

When you visit our website or use our mobile applications, we automatically collect certain technical information to ensure optimal performance and security. This includes IP addresses, browser types and versions, device information, operating system details, and usage patterns. We also collect information about how you navigate our site, which pages you visit, and how long you spend on each page.

Your information is used exclusively for legitimate business purposes related to providing financial services and maintaining our platform's security and functionality. We never sell your personal information to third parties, and we use it only as described in this policy.

Primary Uses

We use your personal information to create and maintain your account, verify your identity in accordance with anti-money laundering regulations, process transactions and provide requested financial services, and communicate with you about your account and our services. Additionally, we use this information to comply with legal and regulatory requirements, including reporting obligations and audit requirements.

Secondary Uses

With your explicit consent, we may use your information to provide personalized financial advice and recommendations, send you marketing communications about relevant products and services, and conduct market research to improve our offerings. You can opt out of these secondary uses at any time without affecting your access to our core services.

We carefully manage how and when we share your information with third parties. Any sharing is done in accordance with strict contractual obligations and privacy protection measures.

Authorized Sharing

We may share your information with trusted service providers who assist us in delivering our services, such as payment processors, identity verification services, and cloud storage providers. These providers are contractually bound to protect your information and use it only for the specific services they provide to us.

We also share information when required by law, such as with regulatory authorities including ASIC and the Australian Tax Office, court orders and legal proceedings, and law enforcement agencies when legally required. In cases of business transactions such as mergers or acquisitions, your information may be transferred to the new entity, but only under the same privacy protections.

• Financial institutions for transaction processing and account verification
• Credit reporting agencies for creditworthiness assessments
• Professional advisors including auditors and legal counsel
• Technology service providers for platform maintenance and security
• Compliance and monitoring services for regulatory requirements

You have significant control over your personal information and how we use it. We respect your privacy rights and provide multiple ways for you to exercise these rights.

Access and Correction Rights

You have the right to access the personal information we hold about you and request corrections if any information is inaccurate or incomplete. You can request a copy of your personal information by contacting our privacy team at info@klyvaxentora.com or by calling +61433111800. We will respond to your request within 30 days and provide the information in a clear and understandable format.

Deletion and Portability Rights

You may request deletion of your personal information, subject to certain legal and regulatory requirements that may require us to retain certain information. Where legally permissible, we will delete your information within 60 days of your request. You also have the right to request that we provide your information in a portable format for transfer to another service provider.

Marketing and Communication Preferences

You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails, logging into your account settings, or contacting us directly. Even if you opt out of marketing communications, we may still send you important service-related notifications about your account.

We implement comprehensive security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. Our security framework includes both technical and organizational measures designed to ensure the confidentiality, integrity, and availability of your data.

Technical Security Measures

Our platform uses industry-standard encryption protocols including SSL/TLS encryption for data transmission and AES-256 encryption for data storage. We employ multi-factor authentication for account access, regular security monitoring and intrusion detection systems, and secure backup and disaster recovery procedures. All systems are regularly updated and patched to address potential vulnerabilities.

Organizational Security Measures

We maintain strict access controls ensuring that only authorized personnel can access your information on a need-to-know basis. Our employees undergo regular security training and are bound by confidentiality agreements. We conduct regular security audits and penetration testing to identify and address potential vulnerabilities.

Despite our best efforts, no system is completely secure. In the unlikely event of a data breach, we have incident response procedures in place and will notify affected users and relevant authorities as required by law, typically within 72 hours of discovering the breach.

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected or as required by law. Our retention periods are based on legal requirements, business needs, and the nature of the information.

Retention Periods

Account information and transaction records are retained for seven years after account closure, as required by Australian financial services regulations. Marketing and communication preferences are retained until you withdraw consent or request deletion. Technical logs and system data are typically retained for two years for security and performance monitoring purposes.

Secure Deletion Process

When information is no longer needed, we securely delete it using industry-standard data destruction methods. This includes overwriting electronic files multiple times and physically destroying any hardware containing your information. We maintain records of deletion activities for audit purposes.

While we primarily store and process your information within Australia, some of our service providers may be located overseas. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your privacy.

We only transfer information to countries with adequate privacy protection or under specific safeguards such as contractual protections, binding corporate rules, or certification schemes. We maintain a list of countries where your information may be processed and the safeguards in place for each transfer.