What Information We Collect

When you work with cendriavonex, we gather different types of information depending on how you use our services. Some of it you give us directly. Other bits we collect as you interact with our platform.

Personal Details

• Your name, address, and contact information
• Date of birth and identification documents (required under Australian anti-money laundering regulations)
• Tax file number when relevant to your financial arrangements
• Employment details and income information
• Bank account numbers and payment card details

Financial Information

Because we're in the business of helping you manage money, we need to know about your financial situation. This includes transaction history, account balances, spending patterns, and your financial goals. We also track how you interact with our educational resources.

Technical Data

Like most online services, we collect IP addresses, browser types, device information, and usage patterns. This helps us keep the platform secure and improve how it works for everyone.

How We Use Your Information

Your data serves specific purposes. We don't collect things just for the sake of it.

• Processing your transactions and maintaining your accounts
• Verifying your identity and preventing fraud (required by Australian law)
• Providing personalized financial education and recommendations
• Communicating with you about your accounts and our services
• Improving our platform based on how people actually use it
• Meeting our legal obligations under banking and taxation laws

Sharing and Disclosure

Sometimes we need to share your information. Here's when and why:

All third parties who access your data are bound by confidentiality agreements. They can only use your information for the specific purposes we authorize.

Your Rights Under Australian Law

You're not powerless here. Australian privacy law gives you several important rights:

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days, though in complex cases it might take a bit longer. There's usually no charge unless your request is particularly extensive.

Correct Inaccurate Data

If something's wrong, tell us. We'll fix it promptly. This matters especially for financial records where accuracy is crucial.

Request Deletion

You can ask us to delete your information, though there are limits. We're required to keep certain financial records for seven years under Australian tax law. We can't delete what we're legally obligated to retain.

Restrict Processing

You can limit how we use your data in certain circumstances, like when you're questioning its accuracy or the lawfulness of processing.

Object to Marketing

Unsubscribe from marketing communications anytime. You'll still receive essential account-related messages, but the promotional stuff stops immediately.

Data Security Measures

We take security seriously because we're dealing with your money and personal information. Here's what we do:

• All data transmitted between your device and our servers uses bank-grade encryption (TLS 1.3)
• Your financial data is encrypted at rest using AES-256 encryption
• Multi-factor authentication protects account access
• Regular security audits and penetration testing by independent experts
• Strict access controls — only authorized staff can view sensitive data, and all access is logged
• Secure data centers in Australia with physical security measures
• Automated monitoring systems that detect suspicious activity 24/7

Despite our best efforts, no online system is 100% secure. If we detect a data breach that might affect you, we'll notify you promptly as required under Australian law.

Data Retention Periods

We don't keep your information forever, but some records need to stick around longer than others:

Active Account Data

While your account is active, we maintain all necessary information to provide our services. This includes transaction history, communications, and educational progress.

After Account Closure

Once you close your account, we retain financial records for seven years as required by Australian taxation law. Other personal information is typically deleted within 90 days unless we have a legal reason to keep it.

Legal Requirements

Some data must be retained longer due to specific regulations. For example, identity verification records for anti-money laundering purposes must be kept for seven years after the relationship ends.

International Data Transfers

Your data is primarily stored and processed in Australia. However, some of our service providers operate internationally, which means your information might be transferred overseas.

When this happens, we ensure that:

• The receiving country has privacy protections comparable to Australia, or
• We have contractual agreements in place that provide equivalent safeguards
• The transfer is necessary for providing our services to you

Currently, we may transfer data to service providers in the United States and Singapore, but only where they meet strict privacy and security standards.

Cookies and Tracking Technologies

We use cookies and similar technologies to make our platform work properly and improve your experience. Here's what that means in practice:

Essential Cookies

These keep you logged in and remember your preferences. Without them, the platform wouldn't function. You can't disable these if you want to use our services.

Analytics Cookies

We track how people use the platform to understand what works and what doesn't. This helps us improve things. These cookies don't identify you personally.

Your Control

You can adjust cookie settings in your browser, though this might affect how well the platform works. Most browsers let you block or delete cookies entirely.

Children's Privacy

Our services are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent. If you're under 18 and interested in our educational programs starting in late 2025, a parent or guardian needs to be involved.

If we discover we've accidentally collected data from someone under 18 without proper consent, we'll delete it as soon as possible.

Changes to This Policy

We review and update this privacy policy periodically. When we make significant changes, we'll notify you via email or through the platform. The "Last Updated" date at the top shows when we last revised the policy.

Major changes take effect 30 days after notification, giving you time to review them. If you continue using our services after that period, we'll take that as acceptance of the updated terms.

Making Complaints

If you're concerned about how we've handled your personal information, here's what to do:

• Contact our privacy team first at info@cendriavonex.com. We'll investigate and respond within 30 days.
• If you're not satisfied with our response, you can escalate to our Privacy Officer at the same address.
• As a last resort, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

We take complaints seriously and will work to resolve your concerns promptly and fairly.