At penavotelo, we collect information to provide you with better financial technology tools and personalized experiences. The information we gather helps us understand your needs and improve our services.

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

We use your information to provide, maintain, and improve penavotelo's financial technology services. Your data helps us create tools that actually work for your financial situation.

Service Delivery

We process your information to operate our platform, execute transactions, provide customer support, and send you important updates about your account or our services.

Product Improvement

We analyze usage patterns and feedback to enhance our tools, develop new features, and fix issues. This helps us build better financial technology solutions.

Security and Compliance

We use your information to detect fraud, prevent unauthorized access, comply with legal requirements, and maintain the security of our platform under Australian financial services regulations.

Communication

We may send you service-related notifications, educational content about financial management, and updates about new features that might benefit you.

We don't sell your personal information to third parties. We may share your information in specific circumstances to provide our services or meet legal obligations.

Service Providers

We work with trusted third-party service providers who help us operate our platform, process payments, and provide customer support. These providers are bound by strict confidentiality agreements.

Financial Institutions

When you connect your bank accounts or use our payment features, we securely share necessary information with your financial institutions to facilitate transactions and account linking.

Legal Requirements

We may disclose information when required by Australian law, legal process, or government authorities. We'll notify you about such requests unless prohibited by law.

Business Transfers

If penavotelo is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We'll provide notice before your information becomes subject to different privacy practices.

Under Australian privacy laws, you have several rights regarding your personal information. We make it easy for you to exercise these rights through our platform or by contacting us directly.

To exercise any of these rights, contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and may need to verify your identity to protect your information.

We implement comprehensive security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. Your financial data deserves the highest level of protection.

Technical Safeguards

We use industry-standard encryption for data in transit and at rest, secure servers, firewalls, and intrusion detection systems. Our platform undergoes regular security audits and penetration testing.

Access Controls

Access to your personal information is restricted to authorized personnel who need it to provide our services. All staff undergo security training and are bound by confidentiality agreements.

Monitoring and Response

We continuously monitor our systems for suspicious activity and have incident response procedures in place. If a security breach occurs, we'll notify affected users and relevant authorities as required by law.

Your Role in Security

You play an important role in protecting your information. Use strong, unique passwords, enable two-factor authentication, keep your contact information updated, and log out of shared devices.

We retain your information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Different types of information have different retention periods.

When retention periods expire, we securely delete or anonymize your information. You can request early deletion of certain information, though some records must be retained for legal compliance.

penavotelo primarily operates within Australia, but we may transfer your information internationally to provide our services or work with global service providers.

Cloud Storage and Processing

We use cloud services that may store or process your information in data centers located in Australia, the United States, or other countries with adequate privacy protections.

Service Provider Partners

Some of our technology partners and service providers operate internationally. We ensure these partners maintain appropriate security and privacy standards through contractual agreements.

Safeguards for International Transfers

When transferring information internationally, we implement appropriate safeguards such as standard contractual clauses, adequacy decisions, and certification schemes to protect your privacy rights.

We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze usage patterns.

Essential Cookies

These cookies are necessary for our platform to function properly. They enable core features like security, account access, and basic functionality.

Performance Cookies

We use these cookies to understand how you interact with our platform, which pages are most popular, and where users encounter difficulties.

Preference Cookies

These cookies remember your choices and settings to provide a more personalized experience when you return to our platform.

Managing Cookies

You can control cookie settings through your browser, but disabling certain cookies may affect platform functionality. We provide cookie management tools in your account settings.

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations.

When we make significant changes, we'll notify you through email, platform notifications, or prominent notices on our website. We encourage you to review this policy periodically to stay informed about how we protect your information.

Continued use of penavotelo's services after policy changes indicates your acceptance of the updated terms. If you don't agree with changes, you can close your account or contact us to discuss your concerns.