Your Privacy Matters to Us

At selenoxiva, we understand that your financial information is deeply personal. This policy explains exactly how we collect, use, and protect your data when you use our financial technology tools and services.

We're committed to transparency. You'll find straightforward explanations here – no legal jargon that hides what we're actually doing with your information. If something isn't clear, please reach out to us directly.

Information We Collect

Personal Information You Provide

When you create an account or use our services, we collect information that you voluntarily share with us. This helps us provide personalized financial tools and support.

Automatically Collected Information

Our systems automatically gather certain technical information to improve security and user experience. This includes your IP address, browser type, device characteristics, and how you interact with our platform.

We also collect location data when necessary for fraud prevention and to ensure compliance with Australian financial regulations.

How We Use Your Information

Your data serves specific purposes that directly benefit your financial management experience. We don't use your information for unrelated marketing or sell it to third parties.

Primary Uses Include:

• Processing transactions and managing your accounts securely
• Providing personalized financial insights and recommendations
• Detecting and preventing fraudulent activities
• Complying with Australian financial services regulations
• Improving our technology tools based on usage patterns
• Communicating important account updates and security alerts
• Offering customer support and technical assistance

We analyze aggregated, anonymized data to enhance our services, but this never includes personally identifiable information that could be traced back to you.

Data Sharing and Third Parties

We work with trusted partners to deliver our financial services, but we maintain strict controls over who accesses your information and why.

We Share Information Only With:

• Australian Banks and Financial Institutions: For account linking and transaction processing
• Security Providers: To protect against fraud and maintain platform security
• Regulatory Bodies: When required by Australian Privacy Act or ASIC regulations
• Service Providers: Cloud hosting and technical infrastructure partners under strict confidentiality agreements
• Legal Authorities: Only when compelled by court orders or legal investigations

All third-party partners must meet our data protection standards and are contractually obligated to protect your information. We never sell your personal data for marketing purposes.

Your Rights and Control

Under Australian privacy law, you have significant control over your personal information. We've made it straightforward to exercise these rights through your account settings or by contacting us directly.

To exercise any of these rights, log into your account settings or email our privacy team. We'll confirm your identity and process most requests within 30 days.

Data Security and Protection

We've implemented multiple layers of security to protect your financial information from unauthorized access, theft, and misuse.

Despite these protections, no system is completely immune to security threats. We monitor for suspicious activity 24/7 and will notify you immediately if we detect any potential compromise of your account.

Data Retention and Deletion

We keep your information only as long as necessary to provide services and meet legal requirements. Different types of data have different retention periods.

When data reaches its retention limit, we securely delete it using industry-standard methods. Some anonymized, aggregated data may be retained indefinitely for research and service improvement.

International Data Transfers

Your information is primarily stored and processed within Australia. However, some of our technology partners operate internationally, which may involve transferring your data overseas.

When international transfers occur, we ensure adequate protection through:

• Standard contractual clauses approved by Australian privacy authorities
• Transfers only to countries with equivalent privacy protections
• Additional security measures for sensitive financial data
• Regular monitoring of international partner compliance

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience and secure your account. You can control most cookies through your browser settings.

Types of Cookies We Use:

• Essential Cookies: Required for account access and security features
• Performance Cookies: Help us understand how you use our platform
• Functional Cookies: Remember your preferences and settings
• Security Cookies: Detect suspicious activity and prevent fraud

Disabling certain cookies may affect platform functionality, particularly security features and account access.

Changes to This Policy

We update this privacy policy periodically to reflect changes in our services, technology, or legal requirements. When significant changes occur, we'll notify you through your registered email address and display a prominent notice on our platform.

Continued use of our services after policy changes constitutes acceptance of the updated terms. However, we won't make changes that significantly reduce your privacy rights without explicit consent.