Information We Collect

When you work with us, we collect different types of information to provide accurate financial stability assessments. Here's what we gather and why:

Personal Identification Information

• Your full name, email address, and phone number
• Physical address (Shop 3-014, 3, 5 Underwood Rd, Homebush NSW 2140, Australia if you're a client)
• Date of birth and identification numbers when required for verification
• Employment details and professional background

Financial Information

For our financial stability analysis services, we need to access specific financial data. This might include:

• Income statements and tax returns
• Bank account details and transaction history
• Investment portfolios and asset valuations
• Debt obligations and credit information
• Spending patterns and budget information

Technical Data

Like most websites, we automatically collect certain technical information:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our site
• Referring websites and search terms used

How We Use Your Information

We don't collect data just to have it. Every piece of information serves a specific purpose in helping you understand your financial position.

We also use your information to communicate with you about your analysis results, answer questions, and provide updates about our services. If you've agreed to receive marketing communications, we'll send you relevant educational content about financial planning and stability.

Data Storage and Security

Your financial information is stored on secure servers located in Australia. We use industry-standard encryption protocols and maintain strict access controls.

Access Controls

Only authorized staff members who need access to perform their job duties can view your information. This typically includes:

• Financial analysts working on your case
• Customer service representatives assisting with your inquiries
• Technical staff maintaining system security
• Compliance officers ensuring regulatory adherence

Data Retention

We keep your personal information for as long as you maintain an active account with us, plus seven years afterwards to comply with Australian financial record-keeping requirements. After this period, we securely delete or anonymize your data unless we're legally required to keep it longer.

Sharing Your Information

We don't sell your personal information. Period. But we do share it in specific circumstances:

Service Providers

We work with carefully selected third-party providers who help us deliver our services. These might include cloud hosting providers, payment processors, or analytics platforms. All service providers sign strict confidentiality agreements and are only allowed to use your information for the specific purposes we authorize.

Legal Requirements

Sometimes Australian law requires us to disclose information. This happens when:

• We receive a valid subpoena or court order
• We need to comply with anti-money laundering regulations
• Tax authorities request information under legal powers
• We're required to report suspicious financial activity

Business Transfers

If kelorymox is acquired by or merges with another company, your information would be transferred as part of that transaction. We'd notify you before this happens and explain any new privacy practices that would apply.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We take these seriously and have processes in place to help you exercise them.

How to Exercise Your Rights

To make any of these requests, contact us at help@kelorymox.com or call +61450113137. We'll verify your identity and respond within 30 days. If your request is complex, we might need up to 60 days and we'll let you know.

Cookies and Tracking

Our website uses cookies to improve your experience and help us understand how people use our services. You can control cookies through your browser settings, but blocking certain cookies might affect website functionality.

Types of Cookies We Use

• Essential cookies: Required for the website to function, including login sessions and security features
• Performance cookies: Help us understand how visitors interact with our site by collecting anonymous usage data
• Functionality cookies: Remember your preferences and settings
• Analytics cookies: Track website traffic and measure the effectiveness of our services

We don't use advertising cookies or share cookie data with advertising networks. Our focus is on improving your experience, not tracking you across the internet.

International Data Transfers

While we primarily store data in Australia, some of our service providers operate internationally. When we transfer data overseas, we ensure adequate protections are in place through:

• Approved standard contractual clauses
• Providers certified under recognized international frameworks
• Countries with adequate data protection laws as recognized by the Australian government

We never transfer your data to countries without appropriate safeguards in place.

Children's Privacy

Our services are designed for adults managing their own finances. We don't knowingly collect information from anyone under 18. If you're a parent or guardian and believe we've collected information about a minor, please contact us immediately so we can delete it.

Changes to This Policy

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

Minor updates that don't materially affect how we handle your information will be posted without advance notice. The "Effective Date" at the top of this page shows when the policy was last updated.

Complaints and Disputes

If you're not satisfied with how we've handled your personal information, we want to know about it. Here's our complaints process:

• Contact us at help@kelorymox.com with details of your complaint
• We'll acknowledge your complaint within 7 days
• 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