Information We Collect

Personal Information You Provide

When you sign up for panorixevla or use our services, you share information with us directly. This includes your name, email address, phone number, and physical address. We also collect financial information like your income, expenses, savings goals, and investment preferences. You might provide employment details or information about your financial situation to help us give you better advice.

Information We Collect Automatically

Our platform collects certain data automatically when you visit. This includes your IP address, browser type, device information, and how you interact with our site. We use cookies and similar technologies to track your preferences and improve your experience. This helps us understand which features you use most and where we can make improvements.

Information From Third Parties

Sometimes we receive information about you from other sources. If you connect your bank accounts through secure financial data providers, we receive transaction data to help track your progress. We might also get information from credit reporting agencies when you apply for certain financial products through our platform.

How We Use Your Information

We use your information to provide and improve our financial goal setting services. Here's what that means in practice:

• Creating and managing your account, including verifying your identity
• Developing personalized financial plans and goal tracking tools
• Sending you important updates about your account, goals, and progress
• Processing payments for premium features or services
• Providing customer support when you need help
• Analyzing how people use our platform to make it better
• Detecting and preventing fraud or security issues
• Complying with legal obligations and responding to lawful requests

Legal Basis for Processing

Under Australian privacy law, we process your personal information based on several legal grounds:

• Contract Performance: We need your information to deliver the services you've signed up for
• Legitimate Interests: We process data to improve our services, prevent fraud, and maintain platform security
• Legal Compliance: Some data processing is required by Australian financial regulations
• Consent: For marketing communications and optional features, we ask for your explicit permission

How We Share Information

We share your information only when necessary and with parties who help us provide our services. This includes:

Service Providers

We work with trusted companies that help us run our platform. Cloud hosting providers store our data securely. Payment processors handle transactions. Email service providers send you updates. Analytics companies help us understand how people use our site. All these partners are contractually required to protect your information and use it only for specified purposes.

Financial Institutions

When you connect your bank accounts or apply for financial products, we share relevant information with those institutions. This happens only with your explicit permission and follows secure protocols established by the banking industry.

Legal Requirements

We may disclose information when required by Australian law, court orders, or government requests. This includes responding to subpoenas or assisting in fraud investigations. We'll notify you about such requests unless legally prohibited from doing so.

Business Transfers

If panorixevla is involved in a merger, acquisition, or sale of assets, your information may be transferred. We'll notify you before this happens and explain any changes to how your data is handled.

Data Storage and Security

Your information is stored on secure servers located in Australia. We use industry-standard encryption to protect data both in transit and at rest. Our security measures include:

• SSL/TLS encryption for all data transmission
• Regular security audits and vulnerability assessments
• Access controls that limit who can view your information
• Multi-factor authentication for account access
• Regular backups to prevent data loss
• Employee training on data protection practices

While we take security seriously, no system is completely foolproof. We encourage you to use strong passwords and enable two-factor authentication on your account.

Your Privacy Rights

Under the Australian Privacy Act 1988 and the Australian Privacy Principles, you have several rights regarding your personal information:

How Long We Keep Your Data

We retain your personal information for as long as necessary to provide our services and meet legal requirements. Here's our general approach:

After these periods, we securely delete or anonymize your information. Some data may be retained longer if required by law or to resolve disputes.

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience on our platform. Cookies are small text files stored on your device that help us remember your preferences and understand how you use our site.

Types of Cookies We Use

Essential Cookies: These are necessary for the site to function. They enable basic features like account login and secure areas. You can't opt out of these cookies.

Performance Cookies: These help us understand how visitors interact with our site by collecting anonymous information about page visits and error messages.

Functionality Cookies: These remember your preferences and choices to provide a more personalized experience.

Marketing Cookies: These track your visits across websites to show you relevant content. You can opt out of these through your browser settings.

You can control cookies through your browser settings. Most browsers allow you to refuse or delete cookies. Keep in mind that disabling cookies might affect your experience on our platform.

Children's Privacy

Our services are designed for adults aged 18 and over. We don't knowingly collect information from children under 18. If you're a parent and believe your child has provided us with personal information, please contact us immediately. We'll delete such information promptly upon verification.

International Data Transfers

Your information is primarily stored and processed in Australia. However, some of our service providers operate internationally. When we transfer data outside Australia, we ensure appropriate safeguards are in place through:

1. Standard contractual clauses approved by the Australian Information Commissioner
2. Verification that the receiving country has adequate privacy protections
3. Written agreements requiring the same level of protection as Australian law
4. Regular audits of international partners to ensure compliance

We currently work with service providers in New Zealand, Singapore, and the European Union, all of which have privacy laws comparable to Australia's.

Marketing Communications

We may send you emails about new features, tips for reaching your financial goals, or updates to our services. You can opt out of marketing emails at any time by clicking the unsubscribe link in any email or updating your preferences in your account settings.

Even if you opt out of marketing communications, we'll still send you important service-related messages like security alerts, billing notifications, or updates to our terms and policies.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our platform at least 30 days before the changes take effect.

The date at the top of this policy shows when it was last updated. We encourage you to review it periodically to stay informed about how we protect your information.

Third-Party Links

Our platform may contain links to external websites or services not operated by panorixevla. We're not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of any external sites you visit.

Making a Complaint

If you have concerns about how we handle your personal information, please contact us first. We take complaints seriously and will investigate any issues promptly.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner:

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Mail: GPO Box 5218, Sydney NSW 2001