Privacy Policy
Last Updated: March 15, 2025
Introduction
xenoraviliqo ("we", "us", or "our") respects your privacy and is committed to protecting your personal information. This privacy policy explains how we collect, use, disclose, and safeguard your information when you visit our website xenoraviliqo.com and use our financial management communication services.
We operate in accordance with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) and other applicable Australian privacy laws. This policy applies to all personal information we collect about individuals in Australia and internationally.
Information We Collect
Personal Identification Information
Name, email address, phone number, postal address, date of birth, and government-issued identification numbers when required for verification purposes.
Financial Information
Account details, transaction history, credit information, investment preferences, and financial goals to provide personalized financial management services.
Technical Information
IP address, browser type, device information, operating system, referral URLs, and website usage patterns collected through cookies and similar technologies.
Communication Data
Records of correspondence, support tickets, feedback, and any other communications you have with our team or through our platform.
How We Collect Information
How We Use Your Information
We use your personal information for legitimate business purposes including:
We will only use your personal information for the purposes for which it was collected, or for related purposes that you would reasonably expect, unless we have your consent or are required or authorized by law to do otherwise.
Information Sharing and Disclosure
We may share your personal information in the following circumstances:
Service Providers and Business Partners
We work with trusted third-party service providers who assist us in operating our business and providing services to you. These include payment processors, cloud storage providers, data analytics services, and customer support platforms. All service providers are contractually bound to protect your information and use it only for specified purposes.
Legal Requirements
We may disclose your information when required by law, court order, or regulatory authority. This includes compliance with taxation laws, anti-money laundering regulations, and other financial services legislation applicable in Australia.
Business Transfers
In the event of a merger, acquisition, or sale of all or part of our business, your personal information may be transferred to the acquiring entity, subject to the same privacy protections outlined in this policy.
Data Security and Protection
We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include:
| Security Measure | Description |
|---|---|
| Encryption | All sensitive data is encrypted in transit and at rest using industry-standard encryption protocols |
| Access Controls | Strict access controls limit who can view your information to authorized personnel only |
| Regular Audits | We conduct regular security audits and penetration testing to identify and address vulnerabilities |
| Staff Training | All employees receive regular privacy and security training to handle personal information appropriately |
Data Retention and Deletion
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Our standard retention periods are:
When personal information is no longer needed, we securely delete or destroy it in accordance with our data destruction policies. Some information may be retained in anonymized form for statistical purposes.
Your Rights and Choices
Under Australian Privacy Law, You Have the Right To:
To exercise these rights, please contact our Privacy Officer using the contact details provided below. We will respond to your request within 30 days and may require verification of your identity before processing your request.
Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience and provide personalized services. We use the following types of cookies:
Essential Cookies
These cookies are necessary for the website to function properly and cannot be disabled. They include authentication cookies, security cookies, and cookies that remember your preferences during your session.
Analytics Cookies
We use analytics cookies to understand how visitors interact with our website. This information helps us improve our services and user experience. These cookies collect information anonymously and report website trends.
Marketing Cookies
With your consent, we may use marketing cookies to deliver relevant advertisements and measure their effectiveness. These cookies track your browsing habits across websites to build a profile of your interests.
You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our website and your user experience.
International Data Transfers
Some of our service providers and business partners are located outside Australia. When we transfer your personal information overseas, we ensure appropriate safeguards are in place to protect your information, including:
Countries where we may transfer your information include the United States, Canada, and members of the European Union, all of which have privacy frameworks we consider adequate for protecting your information.
Changes to This Privacy Policy
We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:
We encourage you to review this privacy policy regularly to stay informed about how we protect your information. Your continued use of our services after any changes become effective constitutes acceptance of the revised privacy policy.
Contact Information
If you have questions about this privacy policy, wish to exercise your privacy rights, or want to make a complaint about our handling of your personal information, please contact us:
xenoraviliqo Financial Services
We aim to respond to all privacy-related enquiries within 30 days. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.