At carnuvexial, we understand that your financial data deserves the highest level of protection. This privacy policy explains how we collect, use, store, and protect your personal information when you use our financial trend recognition services.

We're committed to transparency about our data practices and ensuring you have control over your personal information. This policy complies with the Australian Privacy Principles under the Privacy Act 1988 and reflects our genuine commitment to protecting your privacy.

We collect different types of information to provide you with personalised financial trend analysis and improve our services:

We only collect information that's necessary for providing our services or required by law. You can choose not to provide certain information, but this might limit some features of our platform.

Your information helps us provide better financial insights and maintain a secure platform:

• Service Delivery: Analyse your financial patterns to identify trends and provide personalised recommendations
• Account Management: Maintain your account, process requests, and provide customer support
• Security: Protect your account from unauthorised access and prevent fraudulent activity
• Communication: Send you important updates about our services, security alerts, and policy changes
• Improvement: Enhance our algorithms and develop new features based on aggregated, anonymised usage data
• Legal Compliance: Meet our obligations under Australian financial services regulations

We never use your personal information for marketing purposes without your explicit consent, and we don't sell or rent your data to third parties.

We share your information only in specific circumstances and always with appropriate safeguards:

• Service Providers: Trusted third-party companies that help us operate our platform, such as cloud hosting providers and payment processors. These partners are bound by strict confidentiality agreements.
• Legal Requirements: When required by Australian law, court orders, or to protect our legal rights and those of our users
• Business Transfers: In the unlikely event of a merger or acquisition, your information would be transferred under the same privacy protections
• Your Consent: Any other sharing occurs only with your explicit permission

Under Australian privacy law, you have several important rights regarding your personal information:

To exercise any of these rights, contact us using the details below. We'll respond within 30 days and won't charge you for reasonable requests.

We implement comprehensive security measures to protect your personal information:

• Encryption: All data is encrypted both in transit and at rest using industry-standard AES-256 encryption
• Access Controls: Strict access controls ensure only authorised personnel can access your information
• Regular Audits: We conduct regular security audits and penetration testing to identify and address potential vulnerabilities
• Secure Infrastructure: Our systems are hosted on secure, Australian-based servers with multiple layers of protection
• Staff Training: All team members receive regular privacy and security training
• Incident Response: We have procedures in place to quickly respond to any security incidents

While we take extensive precautions, no system is completely secure. We encourage you to use strong passwords and keep your account information confidential.

We retain your personal information only as long as necessary for the purposes outlined in this policy:

• Active Accounts: We keep your information while your account remains active and you continue using our services
• Closed Accounts: After you close your account, we retain essential information for 7 years to comply with financial record-keeping requirements
• Marketing Information: If you've consented to marketing communications, we keep this information until you withdraw consent
• Legal Requirements: Some information must be retained longer to meet Australian regulatory requirements

We regularly review our data retention practices and securely delete information that's no longer needed.

We use cookies and similar technologies to improve your experience on our platform:

• Essential Cookies: Required for basic functionality like logging in and maintaining your session
• Performance Cookies: Help us understand how you use our platform so we can improve it
• Functional Cookies: Remember your preferences and personalise your experience

You can control cookies through your browser settings, but disabling certain cookies might affect platform functionality. We don't use cookies for advertising or tracking across other websites.

We may update this privacy policy to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll:

• Notify you via email at least 30 days before the changes take effect
• Post a notice on our platform highlighting the key changes
• Update the "Effective Date" at the top of this policy

We encourage you to review this policy periodically to stay informed about how we protect your information. Continued use of our services after changes become effective indicates your acceptance of the updated policy.