Privacy Policy

Introduction

At nuveliqora, we take your privacy seriously. This isn't just a legal document – it's our commitment to you about how we handle the financial information you trust us with. We're based in Castle Hill, NSW, and we operate under Australian privacy laws, which means you've got solid protection backing you up.

This policy explains what we collect, why we collect it, and what we do with it. We've tried to keep things straightforward because financial jargon is complicated enough without adding legal speak on top.

Information We Collect

When you work with us on long-term budgeting, we need certain information to provide meaningful guidance. Here's what we typically gather:

Personal Details

• Your name, email address, and phone number – basic stuff for staying in touch
• Mailing address (we're at 254 Old Northern Rd, Castle Hill NSW 2154 if you need to reach us)
• Date of birth and identification documents when required by Australian financial regulations
• Employment information and income details that help us understand your financial picture

Financial Information

To help you build a realistic long-term budget, we collect information about your current financial situation. This might include:

• Income sources and amounts
• Regular expenses and spending patterns
• Existing debts and financial obligations
• Savings goals and retirement planning information
• Account details necessary for our services (we never store full account credentials)

Technical Data

When you visit nuveliqora.com, we automatically collect some technical information that helps us improve your experience. This includes your IP address, browser type, device information, and how you interact with our site. Nothing invasive – just the standard stuff that helps us make sure everything works properly.

How We Use Your Information

We're not in the business of collecting data for the sake of it. Every piece of information serves a purpose in helping you manage your finances better.

Your Privacy Rights Under Australian Law

The Australian Privacy Act gives you significant control over your personal information. These aren't just theoretical rights – we've set up straightforward processes to help you exercise them.

To exercise any of these rights, just email us at help@nuveliqora.com or call +61404466576. We'll need to verify your identity first (for your protection), but then we'll get moving on your request.

How We Protect Your Information

Security isn't something we tacked on at the end. It's built into everything we do. Financial data requires serious protection, and we've invested accordingly.

Technical Safeguards

• Industry-standard encryption for all data transmission and storage
• Regular security audits and vulnerability assessments
• Secure servers hosted in Australian data centers
• Multi-factor authentication options for your account
• Automated monitoring for suspicious activity

Organizational Measures

Our team receives regular privacy training. Access to your information is restricted to staff who genuinely need it to help you. We maintain detailed logs of who accesses what and when.

That said, no system is completely foolproof. If we ever experience a data breach that affects you, we'll notify you promptly along with the Australian Information Commissioner, as required by law.

Sharing Your Information

We're selective about who we share your data with. When we do share it, we make sure they're bound by similar privacy protections.

Service Providers

We work with carefully vetted third parties who help us operate our platform – things like cloud hosting, email delivery, and payment processing. These providers only get access to the specific data they need to perform their functions, and they're contractually obligated to protect it.

Legal Requirements

Sometimes we're legally required to disclose information – court orders, regulatory investigations, that sort of thing. We'll only share what's legally necessary, and we'll notify you unless prohibited by law.

Business Transfers

If nuveliqora is ever acquired or merged with another company, your information would be transferred as part of that transaction. You'd be notified beforehand, and the new entity would be required to honor this privacy policy.

Data Retention

We don't keep your information forever. Here's our approach to retention:

• Active account data is retained while you're using our services
• After account closure, we keep necessary records for 7 years to comply with Australian tax and financial regulations
• Marketing communication preferences are stored until you unsubscribe
• Technical logs and analytics data are typically retained for 24 months
• Some information may be retained longer if required by specific legal obligations

Once retention periods expire, we securely delete or anonymize your information. Anonymized data might be used for statistical analysis, but it can't be traced back to you individually.

Cookies and Tracking

Our website uses cookies – small files that help us remember your preferences and understand how you use our site. You can control cookies through your browser settings, though some features might not work as smoothly if you disable them.

Types of Cookies We Use

• Essential cookies: Required for basic site functionality and security
• Preference cookies: Remember your settings and choices
• Analytics cookies: Help us understand how people use nuveliqora.com
• Security cookies: Protect against fraudulent activity

We don't use advertising cookies or share cookie data with advertising networks. Your browsing behavior on our site stays with us.

International Data Transfers

We primarily store data within Australia using local data centers. Occasionally, some service providers might process data outside Australia (like cloud backup services). When this happens, we ensure appropriate safeguards are in place, including:

• Standard contractual clauses approved by Australian authorities
• Verification that the receiving country has adequate privacy protections
• Additional technical measures like encryption during transfer and storage

You have the right to request details about any international transfers of your specific data. Just reach out to us at help@nuveliqora.com.

Children's Privacy

Our services are designed for adults managing their personal finances. We don't knowingly collect information from anyone under 18. If you're a parent and believe we've inadvertently collected information about your child, please contact us immediately and we'll delete it.

Changes to This Policy

Privacy regulations evolve, and our services change over time. When we update this policy, we'll post the new version on nuveliqora.com and update the "Last Updated" date at the top. For significant changes, we'll send you a direct notification via email.

We encourage you to review this policy periodically. Your continued use of our services after changes are posted means you accept the updated policy.

Complaints and Disputes

If you're unhappy with how we've handled your personal information, we want to hear about it. Here's the process:

• Contact us first at help@nuveliqora.com with details of your concern
• We'll investigate and respond within 30 days
• If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC)
• The OAIC provides free independent dispute resolution for privacy complaints

We take complaints seriously and view them as opportunities to improve our practices.