Personal Information You Provide

• Contact details including your name, email address, phone number, and mailing address when you register or contact us
• Account credentials such as usernames and encrypted passwords for secure access to your dashboard
• Financial information including bank account details, transaction history, and investment preferences when you connect accounts
• Professional details like job title, company information, and income ranges to personalise our services
• Communication preferences and feedback you share through surveys, support tickets, or direct correspondence

Automatically Collected Data

When you use our platform, we automatically collect certain technical information to improve functionality and security. This includes your IP address, browser type, device information, and usage patterns. We also track how you navigate through different sections of our platform to identify areas for improvement.

Third-Party Data Sources

We may receive additional information about you from trusted partners, credit bureaus, and financial institutions when you authorize these connections. This helps us provide more accurate financial insights and recommendations tailored to your specific situation.

Service Delivery and Enhancement

• Processing your transactions and maintaining accurate account records across all connected financial institutions
• Generating personalised financial reports, insights, and recommendations based on your spending patterns and goals
• Providing customer support and resolving technical issues you encounter while using our platform
• Developing new features and improving existing functionality based on user feedback and behaviour analysis
• Ensuring platform security through fraud detection, risk assessment, and compliance monitoring

Communication and Marketing

We use your contact information to send important account updates, security notifications, and educational content about financial management. Our marketing communications are carefully curated to provide value rather than overwhelming your inbox.

You'll receive essential service emails regardless of your marketing preferences, but you can opt out of promotional content at any time. We respect your communication choices and make it easy to adjust your preferences through your account settings.

Legal and Regulatory Compliance

As a financial services provider, we're required to maintain certain records and reports for regulatory purposes. We use your information to comply with anti-money laundering laws, tax reporting requirements, and other legal obligations that protect both you and the broader financial system.

Authorised Service Providers

We work with carefully vetted third-party service providers who help us deliver our platform's functionality. These partners include cloud hosting providers, payment processors, data analytics companies, and customer support platforms.

• Cloud infrastructure providers who host our secure servers and databases with enterprise-grade security measures
• Payment processing companies that handle transactions while maintaining PCI DSS compliance standards
• Analytics services that help us understand platform performance without accessing personally identifiable information
• Customer service platforms that enable our support team to assist you effectively while protecting sensitive data

Financial Institution Partners

When you connect your bank accounts or investment portfolios, we share necessary information with these institutions to retrieve your financial data and execute transactions. This sharing is essential for providing real-time account information and enabling the core features of our platform.

Legal Requirements and Safety

We may disclose your information when required by law, such as in response to valid legal process, government requests, or to protect the rights, property, and safety of solenitharvia, our users, or others. We carefully evaluate all such requests and disclose only the minimum information necessary.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We would notify you via email and prominent notice on our platform of any such change in ownership or control of your personal information.

Technical Safeguards

• End-to-end encryption for all data transmission using TLS 1.3 protocols and advanced cryptographic standards
• Database encryption at rest with regular key rotation and secure key management systems
• Multi-factor authentication requirements for all user accounts and administrative access
• Regular security audits conducted by independent third-party cybersecurity firms
• Automated intrusion detection systems that monitor for suspicious activity 24/7
• Secure code development practices including regular vulnerability assessments and penetration testing

Operational Security Measures

Our team follows strict security protocols in their daily operations. Access to your information is granted on a need-to-know basis, and all employees undergo comprehensive background checks and regular security training.

We maintain detailed access logs and conduct regular reviews to ensure that information access remains appropriate and necessary. Our incident response team is prepared to address any security concerns quickly and effectively.

Your Role in Security

While we implement robust security measures, your cooperation is essential for maintaining account security. We recommend using strong, unique passwords, enabling two-factor authentication, and promptly reporting any suspicious account activity.

Access and Portability

You can access most of your personal information directly through your account dashboard. For a comprehensive copy of all information we hold about you, submit a data export request through your account settings or contact our privacy team.

We'll provide your information in a structured, commonly used format within 30 days of your request. This includes transaction history, account preferences, communication records, and any other personal data we've collected.

Correction and Updates

• Update your contact information, preferences, and account settings anytime through your user dashboard
• Request corrections to inaccurate information by contacting our support team with appropriate documentation
• Modify your communication preferences to control what types of emails and notifications you receive
• Update your financial goals and risk preferences to ensure our recommendations remain relevant

Deletion and Account Closure

You can request deletion of your account and associated personal information at any time. We'll process deletion requests within 30 days, though we may retain certain information as required by law or for legitimate business purposes such as fraud prevention.

Before account deletion, we'll provide you with options to export your data and understand the implications of account closure on any ongoing financial connections or services.

Marketing and Communication Control

You can opt out of marketing communications at any time using the unsubscribe link in any promotional email or by adjusting your preferences in your account settings. Essential service communications will continue to ensure you receive important account and security updates.

Retention Periods

• Account information and preferences are retained for the duration of your active account plus seven years after closure for regulatory compliance
• Transaction data and financial records are kept for seven years as required by Australian financial regulations
• Communication records including support tickets and correspondence are retained for three years to improve service quality
• Technical logs and analytics data are automatically purged after 18 months unless needed for ongoing security investigations
• Marketing interaction data is retained for two years or until you opt out, whichever comes first

International Data Transfers

While solenitharvia is based in Australia, some of our service providers operate globally. When we transfer your information internationally, we ensure adequate protection through approved transfer mechanisms such as Standard Contractual Clauses and adequacy decisions.

We primarily work with providers in countries that have been deemed to provide adequate protection for personal data, including members of the European Economic Area and other jurisdictions recognised by Australian privacy authorities.

Types of Cookies We Use

• Essential cookies that are necessary for basic platform functionality and security, including session management and authentication
• Preference cookies that remember your settings, language choices, and customisation options across sessions
• Analytics cookies that help us understand how users interact with our platform to identify improvement opportunities
• Performance cookies that monitor platform speed, error rates, and technical performance to maintain service quality

Managing Your Cookie Preferences

You can control cookie settings through your browser preferences or our cookie management tool available in your account settings. Most browsers allow you to view, delete, and block cookies, though some platform features may not work properly if essential cookies are disabled.

We also respect Do Not Track signals and browser privacy settings where technically feasible. Our analytics practices are designed to protect your privacy while providing us with aggregate insights about platform usage.

Protection Measures

If we discover that we have inadvertently collected information from someone under 18, we will delete that information promptly. Parents or guardians who believe their child has provided information to us should contact our privacy team immediately.

We encourage parents to monitor their children's internet usage and to help enforce our privacy policy by instructing their children never to provide personal information through our platform without parental permission.

Notification Process

For material changes that affect your rights or how we handle your information, we'll provide at least 30 days' notice before the changes take effect. This gives you time to review the updates and make decisions about your account if needed.

We encourage you to review this policy periodically to stay informed about how we're protecting your information. The "Last Updated" date at the top of this policy indicates when the most recent changes were made.