Privacy Policy
Last Updated: January 15, 2025
At xelporavint, we're serious about protecting your information. This policy explains what we collect, why we need it, and what rights you have. We operate under Australian privacy laws and the Australian Privacy Principles (APPs) outlined in the Privacy Act 1988.
1 Information We Collect
We collect different types of information depending on how you interact with our financial analysis services. Some you give us directly, and some we gather automatically when you use our platform.
Personal Information You Provide
- Contact details: name, email address, phone number, and postal address
- Account credentials: username and encrypted password data
- Financial information: income details, expense records, and budget preferences you choose to share
- Payment information: billing details and transaction history when you use our paid services
- Communication records: messages you send us through our contact forms or support channels
Automatically Collected Data
- Device information: IP address, browser type, operating system, and device identifiers
- Usage patterns: pages viewed, time spent on features, and navigation paths
- Technical data: session information, timestamps, and error logs
- Location data: general geographic location based on IP address (not precise GPS coordinates)
2 How We Use Your Information
Your data helps us deliver better financial analysis services and improve your experience. Here's what we actually do with it.
| Purpose | Description |
|---|---|
| Service Delivery | Processing your financial data, generating analysis reports, and providing personalized insights |
| Account Management | Creating and maintaining your account, verifying identity, and managing subscriptions |
| Communication | Sending service updates, responding to inquiries, and providing customer support |
| Platform Improvement | Analyzing usage patterns, fixing bugs, and developing new features |
| Legal Compliance | Meeting Australian financial reporting requirements and preventing fraud |
Marketing Communications: We'll only send you promotional emails if you've opted in. You can unsubscribe anytime using the link in every email or by contacting us directly.
3 Data Sharing and Disclosure
We don't sell your personal information. Period. But we do share it with specific parties when necessary to run our services effectively.
Service Providers
We work with trusted companies that help us operate our platform. These include cloud hosting providers, payment processors, and analytics services. They're bound by strict confidentiality agreements and can only use your data for the specific tasks we assign them.
Legal Requirements
Sometimes we're legally obligated to share information with Australian government agencies, law enforcement, or regulatory bodies. This happens when:
- We receive a valid subpoena or court order
- There's a legitimate investigation into suspected fraud or illegal activity
- We need to protect someone's safety or prevent serious harm
- Australian tax authorities require financial reporting information
Business Transfers
If xelporavint is acquired by another company or merges with one, your information would be transferred as part of that transaction. We'd notify you beforehand and explain any changes to how your data is handled.
4 Your Privacy Rights
Under Australian privacy law, you have significant control over your personal information. Here's what you can do.
Access Your Data
Request a copy of all personal information we hold about you. We'll provide it in a readable format within 30 days.
Correct Inaccuracies
Ask us to fix any incorrect or outdated information in your account. We'll update it promptly.
Delete Your Account
Request permanent deletion of your account and associated data. Some information may need to be retained for legal compliance.
Restrict Processing
Limit how we use certain types of your data while keeping your account active.
Data Portability
Download your financial data in a structured format to transfer to another service.
Withdraw Consent
Revoke permission for data processing activities that require your consent, like marketing emails.
How to Exercise Your Rights: Send a written request to contact@xelporavint.com with your full name and account email. We'll verify your identity before processing any request. Most requests are completed within 30 days, though complex ones might take up to 60 days.
5 Data Security Measures
Protecting your financial information is our top priority. We use multiple layers of security to keep your data safe from unauthorized access, theft, or misuse.
Technical Safeguards
- 256-bit SSL/TLS encryption for all data transmission between your device and our servers
- AES-256 encryption for stored financial data and personal information
- Regular security audits and penetration testing by third-party experts
- Automated intrusion detection systems that monitor for suspicious activity
- Multi-factor authentication options to secure account access
- Secure backup systems with encrypted redundancy in Australian data centers
Organizational Measures
Our staff access your data on a need-to-know basis only. Everyone who handles personal information goes through privacy training and signs confidentiality agreements. We maintain detailed access logs and regularly review who can see what.
Despite our best efforts, no internet transmission is completely secure. While we can't promise absolute security, we continuously update our practices to stay ahead of emerging threats.
6 Data Retention Periods
We keep your information only as long as necessary for the purposes we collected it. Different types of data have different retention requirements.
Active Account Data
While your account is active, we retain all your financial analysis data, personal information, and usage history. This lets you access historical reports and track your financial progress over time.
After Account Closure
When you close your account, we delete most personal information within 90 days. However, Australian financial regulations require us to keep certain records for seven years. This includes transaction histories, billing records, and tax-related documentation.
Anonymized Analytics
We may retain aggregated, anonymized usage statistics indefinitely for research and platform improvement. This data can't be traced back to you personally.
7 Cookies and Tracking Technologies
Our website uses cookies and similar technologies to function properly and improve your experience. You have control over how these work.
Essential Cookies
These are necessary for the platform to work. They remember your login session, security preferences, and basic functionality choices. You can't disable these without breaking the site.
Analytics Cookies
We use these to understand how people navigate our platform, which features get used most, and where improvements are needed. The data is aggregated and doesn't identify you personally.
Managing Cookie Preferences
Most browsers let you control cookies through their settings. You can block or delete cookies, though this might affect how our platform works. Check your browser's help section for specific instructions.
8 International Data Transfers
Your data is primarily stored on servers located in Australia. However, some of our service providers operate internationally, which means your information might occasionally be transferred overseas.
When this happens, we ensure the receiving country has adequate privacy protections or we implement additional safeguards like standard contractual clauses. Any international transfer complies with Australian Privacy Principles regarding cross-border data flows.
Currently, we may transfer data to service providers in the United States and Singapore for cloud hosting and analytics purposes. These providers are bound by contractual obligations to protect your information according to Australian standards.
9 Children's Privacy
xelporavint is designed for adults managing their personal finances. We don't knowingly collect information from anyone under 18 years old. If you're under 18, please don't use our services or provide us with any personal information.
If we discover we've accidentally collected data from someone under 18, we'll delete it immediately. Parents or guardians who believe their child has provided us with personal information should contact us right away.
10 Changes to This Policy
We update this privacy policy occasionally to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by email and display a prominent notice on our platform.
The "Last Updated" date at the top of this page shows when the most recent version was published. We recommend reviewing this policy periodically to stay informed about how we protect your information.
Continuing to use xelporavint after we post changes means you accept the updated policy. If you disagree with any modifications, you can close your account before they take effect.
11 Complaints and Disputes
If you're concerned about how we've handled your personal information, please contact us first. We take complaints seriously and will investigate thoroughly.
We'll acknowledge your complaint within 7 days and aim to resolve it within 30 days. If our response doesn't satisfy you, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
OAIC Contact Information:
Phone: 1300 363 992
Website: www.oaic.gov.au
Mail: GPO Box 5218, Sydney NSW 2001
Contact Our Privacy Team
Email: contact@xelporavint.com
Phone: +61400231288
Mail: Caroline St, Rockhampton QLD 4700, Australia
Response Time: We typically respond to privacy inquiries within 5 business days.