1. Information We Collect

Personal Information You Provide

When you create an account or use our services, we collect information you voluntarily provide:

• Name and contact details (email address, phone number)
• Account credentials and authentication information
• Payment and billing information for subscription services
• Financial data you input for scenario modeling purposes
• Communication preferences and correspondence with our support team

Automatically Collected Information

Our platform automatically collects certain information when you access our services:

• Device information (IP address, browser type, operating system)
• Usage data (pages viewed, features used, time spent on platform)
• Log files and analytics data to improve service performance
• Cookie data for authentication and user preferences

Financial Modeling Data

The financial scenarios you create remain your property. We store this data securely to provide our services, but we don't sell or share your specific financial information with third parties for marketing purposes.

2. How We Use Your Information

We use the information we collect for specific purposes related to providing and improving our services:

• Service Delivery: Processing your financial scenarios, generating reports, and maintaining your account functionality
• Platform Improvement: Analyzing usage patterns to enhance features and user experience
• Communication: Sending important updates about your account, service changes, and responding to your inquiries
• Security: Detecting and preventing fraud, unauthorized access, and potential security threats
• Legal Compliance: Meeting regulatory requirements and responding to lawful requests from authorities
• Payment Processing: Managing subscriptions, processing transactions, and maintaining billing records

3. Data Storage and Security

Where We Store Your Data

Your information is stored on secure servers located in Australia and, for redundancy purposes, in ISO-certified data centers within countries with adequate privacy protections. We use Amazon Web Services (AWS) and Microsoft Azure infrastructure, both of which maintain compliance with Australian privacy standards.

Security Measures

We implement industry-standard security practices to protect your data:

• AES-256 encryption for data at rest
• TLS 1.3 encryption for data in transit
• Multi-factor authentication options for account access
• Regular security audits and penetration testing
• Access controls limiting staff access to personal information
• Automated backup systems with encrypted storage

While we take reasonable steps to protect your information, no online service can guarantee absolute security. We encourage you to use strong passwords and enable multi-factor authentication on your account.

4. Sharing and Disclosure

When We Share Information

We only share your personal information in specific circumstances:

• Service Providers: Third-party companies that help us deliver our services (payment processors, cloud hosting providers, email services). These partners are contractually obligated to protect your data and can only use it for specified purposes.
• Legal Requirements: When required by law, court order, or government request in accordance with Australian legal procedures.
• Business Transfers: If telmoraqix is involved in a merger, acquisition, or sale of assets, your information may be transferred. We'll notify you before this happens.
• With Your Consent: When you've explicitly authorized us to share specific information with third parties.

Third-Party Services

We work with trusted partners who help us operate our platform:

• Payment processing: Stripe Australia for secure transaction handling
• Analytics: Google Analytics with IP anonymization enabled
• Email delivery: SendGrid for account notifications and support communications
• Customer support: Zendesk for help desk functionality

These services have their own privacy policies, and we encourage you to review them. We ensure all partners meet Australian privacy standards before working with them.

5. Your Privacy Rights

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

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days of your request, subject to verification of your identity. You can access most of your data directly through your account dashboard.

Correct Your Information

If you believe information we hold is inaccurate or outdated, you can request corrections. You can update most information directly in your account settings, or contact us for assistance with other data.

Delete Your Information

You can request deletion of your personal information and account. We'll process this within 30 days, though we may retain certain information where required by law or for legitimate business purposes (like resolving disputes or maintaining security).

Restrict Processing

You can ask us to limit how we use your information in certain situations, such as while we verify accuracy of data you've disputed.

Data Portability

You can request your data in a structured, commonly used format for transfer to another service. We provide export functionality for your financial scenarios and reports.

6. Cookies and Tracking

We use cookies and similar technologies to make our platform work properly and understand how you use it. Here's what we use and why:

Essential Cookies

These are necessary for the platform to function. They handle things like keeping you logged in and remembering your preferences during a session. You can't disable these without breaking core functionality.

Analytics Cookies

We use analytics tools to understand which features people use most and where they encounter problems. This helps us prioritize improvements. You can opt out of analytics tracking in your account settings.

Performance Cookies

These help us monitor system performance and identify technical issues. They collect anonymous information about page load times and errors.

We don't use advertising cookies or sell cookie data to third parties. You can control cookie preferences through your browser settings, though disabling certain cookies may limit platform functionality.

7. Data Retention

We keep your information for as long as necessary to provide our services and meet legal obligations:

After the retention period expires, we securely delete or anonymize your information. Some information may be retained longer if required by law or to resolve disputes.

8. International Data Transfers

While we primarily store data in Australia, our platform may involve limited transfers to overseas locations:

• Cloud backup services in Singapore and the United States
• Customer support tools operated from the United States
• Payment processing infrastructure in multiple jurisdictions

When we transfer data internationally, we ensure the receiving country has adequate privacy protections or implement additional safeguards like standard contractual clauses. All international transfers comply with Australian Privacy Principle 8.

9. Children's Privacy

Our platform is designed for adult users managing financial scenarios. We don't knowingly collect information from individuals under 18 years of age. If you're under 18, please don't create an account or provide personal information without parental consent.

If we discover we've inadvertently collected information from someone under 18, we'll delete it promptly. Parents or guardians who believe we may have information about a minor should contact us immediately.

10. Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by:

• Posting a notice on our platform before changes take effect
• Sending an email to your registered address
• Updating the "Last Updated" date at the top of this policy

We encourage you to review this policy periodically. Continued use of our services after changes take effect means you accept the updated policy.

11. Complaints and Disputes

If you have concerns about how we handle your personal information, we want to resolve them quickly:

1. Contact us first at info@telmoraqix.pro describing your concern. We'll investigate and respond within 30 days.
2. If you're not satisfied with our response, you can escalate to our Privacy Officer who will conduct a thorough review.
3. If still unresolved, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by calling 1300 363 992.

We take all privacy concerns seriously and commit to working with you to find a satisfactory resolution.