Privacy Policy

carisquelvon is committed to protecting your privacy and ensuring the security of your personal information. This comprehensive policy explains how we collect, use, store, and safeguard your data in accordance with Australian privacy laws and international best practices.

Effective Date: January 15, 2025 | Last Updated: January 15, 2025

1. Information We Collect

Personal Information

We collect personal information that you voluntarily provide when using our financial tools and services. This includes your name, email address, phone number, and postal address when you register for an account or contact us for support.

Financial Data

When you use our finance platform, we may collect information about your financial goals, budgeting preferences, and transaction categories you create within our tools. We do not collect or store actual bank account numbers or credit card details.

Account registration information (name, email, phone)
Profile preferences and settings
Communication history with our support team
Usage patterns and feature interactions
Device information and IP addresses

            Important: We never request or store sensitive financial account
            credentials. Our tools are designed to help you organize your financial planning
            without accessing your actual banking information.
          

2. How We Use Your Information

Your personal information helps us provide and improve our financial planning tools. We use this data to customize your experience, provide customer support, and send important updates about our services.

Purpose	Legal Basis	Data Types
Service provision	Contract performance	Account details, preferences
Customer support	Legitimate interest	Contact info, communication history
Platform improvements	Legitimate interest	Usage data, feedback
Security measures	Legitimate interest	Device info, access logs

Communication Purposes

We may contact you regarding account updates, new features, or important changes to our services. You can control communication preferences through your account settings at any time.

3. Data Storage and Security

Storage Locations

Your data is stored on secure servers located in Australia, ensuring compliance with local data protection requirements. We use industry-standard encryption and security protocols to protect your information.

Security Measures

We implement multiple layers of security to protect your personal information:

SSL/TLS encryption for all data transmission
Regular security audits and vulnerability assessments
Access controls limiting staff access to necessary data only
Automated backup systems with encrypted storage
Regular software updates and security patches

            Data Breach Protocol: In the unlikely event of a security incident, we
            will notify affected users within 72 hours and provide clear information about the
            nature of the breach and steps being taken to resolve it.
          

4. Your Privacy Rights

Under Australian Privacy Act 1988 and other applicable laws, you have several rights regarding your personal information. We respect these rights and provide clear mechanisms for exercising them.

Access Your Data

Request a copy of all personal information we hold about you. We'll provide this within 30 days of your request.

Correct Information

Update or correct any inaccurate personal information in your account at any time through your profile settings.

Delete Your Account

Request complete deletion of your account and associated data. This action is irreversible and will remove all your information.

Data Portability

Export your data in a common format if you wish to transfer it to another service provider.

How to Exercise Your Rights

To exercise any of these rights, contact us at info@carisquelvon.sbs or use the contact information provided below. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

5. Data Retention and Deletion

Retention Periods

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods:

Account Information: Retained while your account is active and for 2 years after closure
Communication Records: Kept for 3 years to maintain service quality and resolve issues
Usage Analytics: Anonymized after 18 months and retained for platform improvement
Security Logs: Maintained for 12 months for security monitoring purposes

Automatic Deletion

We've implemented automated systems to delete expired data according to our retention schedules. You'll receive notification before any account-related deletions occur due to inactivity.

            Account Inactivity: Accounts inactive for more than 3 years will
            receive email notifications before data deletion. You can prevent deletion by simply
            logging in during the notification period.
          

6. Third-Party Services and Sharing

Service Providers

We work with trusted third-party providers to deliver our services effectively. These partners are bound by strict confidentiality agreements and can only use your data for specified purposes.

Limited Data Sharing

We do not sell, rent, or trade your personal information. Data sharing only occurs in these specific circumstances:

With service providers who help operate our platform (hosting, email delivery)
When required by Australian law or legal process
To protect our rights, property, or safety, or that of our users
In connection with a business transfer or merger (with prior notification)

International Transfers

While we primarily store data in Australia, some service providers may process data internationally. We ensure appropriate safeguards are in place for any international data transfers, including contractual protections and adequacy decisions.

7. Cookies and Tracking Technologies

Cookie Usage

Our website uses cookies to enhance your experience and provide essential functionality. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device for a set period).

Types of Cookies

Essential Cookies: Required for basic website functionality and security
Preference Cookies: Remember your settings and customization choices
Analytics Cookies: Help us understand how users interact with our platform

Cookie Control

You can control cookie preferences through your browser settings or our cookie consent manager. Disabling certain cookies may limit some website functionality, but core features will remain available.

8. Children's Privacy

Our financial platform is designed for adults and we do not knowingly collect personal information from individuals under 18 years of age. If we become aware that we've collected information from someone under 18, we will delete it promptly.

Parental Notice

If you believe your child has provided personal information to us, please contact us immediately using the details below. We take children's privacy seriously and will investigate and resolve any concerns quickly.

9. Policy Updates and Changes

Notification Process

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through email or a prominent notice on our website at least 30 days before the changes take effect.

Your Options

If you disagree with policy changes, you can close your account before they take effect. Continued use of our services after the effective date constitutes acceptance of the updated policy.

            Stay Informed: We recommend reviewing this policy periodically. The
            effective date at the top indicates when the current version was last updated.
          

Contact Us About Privacy

Privacy Officer
carisquelvon Financial Services

Address:
Level 1 Win Tower
2 Barolin Street
Bundaberg QLD 4670
Australia

Phone: +61 74 942 8511
Email: info@carisquelvon.sbs

Privacy Complaints: If you have concerns about how we handle your personal information, please contact us first. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).