Introduction

Aluvomiran ("we," "us," or "our") operates aluvomiran.com and provides net worth calculation services to help Australians better understand their financial position. This privacy policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

We respect your privacy and are committed to protecting your personal information. This policy complies with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and other applicable Australian privacy laws.

Information We Collect

Personal Information

We collect information that identifies or could reasonably identify you, including:

• Name and contact details (email address, phone number, postal address)
• Financial information necessary for net worth calculations (assets, liabilities, investment values)
• Account credentials and security information
• Payment and billing information when using premium services
• Communication records when you contact our support team

Technical Information

Our systems automatically collect certain technical data:

• IP addresses and device identifiers
• Browser type, version, and operating system
• Website usage patterns and navigation data
• Session duration and frequency of visits
• Referral sources and search terms used to find our site

How We Use Your Information

We use collected information for specific, legitimate purposes:

• Service provision: Calculate net worth, generate financial reports, and provide personalised recommendations
• Account management: Create and maintain user accounts, process payments, and provide customer support
• Security: Protect against fraud, unauthorised access, and maintain system integrity
• Communication: Send service updates, respond to inquiries, and provide important notices
• Improvement: Analyse usage patterns to enhance our services and develop new features

We only use your financial data for calculations and reporting purposes. This sensitive information is never shared with third parties for marketing or commercial purposes.

Information Sharing and Disclosure

Limited Sharing

We do not sell, rent, or trade your personal information. We may share information only in these circumstances:

• With your explicit consent for specific purposes
• To service providers who assist with website operations (hosting, payment processing, customer support)
• When required by Australian law or court orders
• To protect our rights, property, or safety, or that of our users
• In connection with business transfers (mergers, acquisitions) with equivalent privacy protections

Service Providers

Third-party service providers who access your information are bound by strict confidentiality agreements and can only use data for specified purposes. They include payment processors, cloud hosting providers, and email service platforms.

Data Security and Protection

We implement comprehensive security measures to protect your information:

• Encryption: All data transmission uses SSL/TLS encryption, and sensitive data is encrypted at rest
• Access controls: Strict employee access limitations with regular security training
• Regular audits: Quarterly security assessments and vulnerability testing
• Secure infrastructure: Industry-standard data centres with 24/7 monitoring
• Backup systems: Regular encrypted backups stored in geographically separate locations

While we use reasonable security measures, no system is completely secure. We encourage users to use strong passwords and report any suspicious activity immediately.

Your Rights and Choices

Under Australian privacy law, you have several important rights regarding your personal information:

• Access: Request copies of personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Portability: Request your data in a portable format for transfer to another service
• Withdrawal: Withdraw consent for processing where we rely on consent
• Complaint: Lodge complaints about our privacy practices

Exercising Your Rights

To exercise these rights, contact us using the details below. We'll respond within 30 days and may need to verify your identity. Some requests may incur reasonable administrative fees as permitted by law.

Data Retention

We retain personal information only as long as necessary for the purposes outlined in this policy:

• Account information: Retained while your account remains active
• Financial calculation data: Stored for up to 7 years for audit and compliance purposes
• Communication records: Kept for 3 years to resolve potential disputes
• Technical logs: Typically deleted after 12 months unless required for security investigations
• Marketing preferences: Maintained until you unsubscribe or request deletion

After retention periods expire, we securely delete or anonymise information so it cannot be linked back to you.

International Data Transfers

Your information is primarily stored and processed within Australia. When we transfer data internationally (such as to cloud service providers), we ensure appropriate safeguards:

• Transfers only to countries with adequate privacy protections
• Contractual protections equivalent to Australian privacy standards
• Regular monitoring of international service provider compliance

We'll notify you if our data storage practices change significantly.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance user experience:

• Essential cookies: Required for basic website functionality and security
• Performance cookies: Help us understand how users interact with our site
• Preference cookies: Remember your settings and customisation choices

You can manage cookie preferences through your browser settings. Disabling certain cookies may limit website functionality.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. Significant changes will be communicated through:

• Prominent notice on our website for 30 days
• Email notification to registered users
• Updated "last modified" date at the top of this policy

Continued use of our services after changes indicates acceptance of the updated policy.