Privacy Policy

Information We Collect

At nuvoravinthes, we collect information that helps us provide personalised financial milestone planning services. This includes details you provide directly when creating your account, setting financial goals, or contacting our support team.

Personal Information You Provide

• Name, email address, and contact details when you register
• Financial goals and milestone preferences you set in your profile
• Communication preferences and feedback you share with us
• Payment information when you subscribe to premium features
• Identity verification documents as required by Australian financial regulations

Information We Collect Automatically

When you use our platform, we automatically gather technical information to improve your experience and ensure security. This includes your device type, browser information, IP address, and how you interact with our financial planning tools.

How We Use Your Information

Your information helps us create a personalised financial planning experience. We use the data you provide to generate milestone recommendations, track your progress, and send relevant educational content about achieving your financial goals.

• Creating and maintaining your personalised financial milestone dashboard
• Sending progress updates and milestone achievement notifications
• Providing customer support and responding to your inquiries
• Improving our financial planning algorithms and user experience
• Ensuring platform security and preventing fraudulent activity
• Complying with Australian financial services regulations and reporting requirements

We also use aggregated, anonymous data to understand how users interact with different financial planning features, which helps us develop better tools and resources for the entire nuvoravinthes community.

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share certain information in specific circumstances to provide our services or comply with legal requirements.

Service Providers

We work with trusted third-party providers who help us operate our platform. These include cloud hosting services, payment processors, and financial data aggregation services. All providers are bound by strict confidentiality agreements and must meet Australian privacy standards.

Legal Requirements

We may disclose your information when required by Australian law, including responses to valid legal requests from government authorities, court orders, or regulatory investigations. We'll always notify you of such requests unless legally prohibited from doing so.

Business Transfers

If nuvoravinthes undergoes a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You'll receive advance notice of any such change and information about your options regarding your data.

Your Privacy Rights

Under Australian privacy laws, you have specific rights regarding your personal information. We've designed our systems to make exercising these rights straightforward and transparent.

• Access: Request a copy of all personal information we hold about you
• Correction: Update or correct inaccurate information in your profile
• Deletion: Request deletion of your account and associated data
• Portability: Export your financial milestone data in a standard format
• Restriction: Limit how we process certain types of your information
• Objection: Opt out of specific uses of your data, such as marketing communications

To exercise any of these rights, contact our privacy team at privacy@nuvoravinthes.com. We'll respond within 30 days and may request verification of your identity to protect against unauthorised access to your information.

Data Security and Retention

We implement multiple layers of security to protect your financial information. Our systems use bank-grade encryption, secure data centres, and regular security audits to safeguard your data against unauthorised access.

Security Measures

• AES-256 encryption for data at rest and TLS 1.3 for data in transit
• Multi-factor authentication required for all account access
• Regular penetration testing and security vulnerability assessments
• Automated monitoring for suspicious account activity
• Limited employee access to personal data on a need-to-know basis

Data Retention

We retain your personal information for as long as your account remains active or as needed to provide our services. Financial milestone data and progress tracking information is kept for seven years after account closure to comply with Australian financial record-keeping requirements.

When you delete your account, we remove personal identifiers within 30 days, though some information may remain in backup systems for up to 90 days. Aggregated, anonymised data may be retained indefinitely for research and platform improvement purposes.

International Data Transfers

nuvoravinthes primarily stores and processes your data within Australia using local data centres. However, some of our service providers operate internationally, which may involve transferring your information overseas.

When we transfer data internationally, we ensure appropriate safeguards are in place, including standard contractual clauses approved by Australian privacy authorities and adequacy decisions recognising equivalent privacy protection in the destination country.

Countries where your data might be processed include the United States (for cloud services), Singapore (for regional data backup), and the European Union (for payment processing). All transfers comply with Australian Privacy Principles and international data protection standards.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These small data files help us remember your preferences, keep you logged in, and provide personalised financial milestone recommendations.

Types of Cookies We Use

• Essential cookies: Required for basic platform functionality and security
• Performance cookies: Help us understand how you use different features
• Functional cookies: Remember your preferences and settings
• Analytics cookies: Provide insights into user behaviour and platform improvements

You can control cookie settings through your browser preferences, though disabling certain cookies may limit some platform features. We don't use cookies for advertising purposes or share cookie data with external marketing platforms.

Children's Privacy

nuvoravinthes is designed for adults aged 18 and over who are ready to take control of their financial planning. We don't knowingly collect personal information from children under 18, and our terms of service require users to confirm they meet the minimum age requirement.

If we discover that we've inadvertently collected information from someone under 18, we'll delete that information immediately and close any associated account. Parents or guardians who believe their child has provided information to nuvoravinthes should contact us at privacy@nuvoravinthes.com.

Changes to This Privacy Policy

We review and update this privacy policy annually or when we make significant changes to our data practices. When updates occur, we'll notify active users via email and display a prominent notice on our platform for at least 30 days.

Significant changes that affect how we collect, use, or share your information will require your explicit consent before taking effect. You can always review the current version of our privacy policy on our website, and we maintain an archive of previous versions for your reference.

If you disagree with changes to our privacy practices, you have the right to close your account and request deletion of your information before the new policy takes effect.