Privacy Policy
Your privacy matters to us. Here's how we protect and handle your personal information when you use nexarolivo's emergency fund planning services.
Information We Collect
When you use our emergency fund planning services, we collect information that helps us provide you with personalised financial guidance. This happens through your direct interactions with our platform and automated systems that track how you engage with our tools.
Personal Details
Name, email address, phone number, and residential address for account creation and communication purposes.
Financial Information
Income details, expense categories, existing savings amounts, and financial goals to create your emergency fund strategy.
Usage Analytics
How you interact with our planning tools, pages visited, time spent on features, and device information for service improvement.
We also collect information when you contact our support team, participate in surveys, or engage with our educational content about emergency fund strategies.
How We Use Your Information
Your personal information powers our emergency fund planning service. We use this data to create customised savings strategies, send you relevant financial insights, and improve our platform's effectiveness.
- Generate personalised emergency fund recommendations based on your income and expenses
- Send progress updates and motivational reminders about your savings goals
- Provide customer support when you need help with planning tools
- Analyse user behaviour to enhance our financial planning features
- Comply with Australian financial services regulations and reporting requirements
- Protect against fraudulent activities and maintain platform security
We never use your financial information for marketing purposes or share your specific savings goals with third parties without your explicit consent.
Information Sharing and Disclosure
nexarolivo operates with a strict policy regarding information sharing. We only disclose your personal information in specific circumstances that directly support your service experience or meet legal obligations.
We share your information with:
- Trusted technology providers who help us deliver our planning tools and maintain platform security
- Payment processors when you engage with premium features or services
- Legal authorities when required by Australian law or to protect user safety
- Business partners only with your explicit permission for specific collaborative features
All third-party providers are bound by confidentiality agreements and must meet our data protection standards. We conduct regular reviews of these partnerships to ensure your privacy remains protected.
Your Privacy Rights
Under Australian Privacy Principles, you have significant control over your personal information. These rights ensure you can manage how your data is collected, used, and stored by nexarolivo.
Access Your Data: Request a complete copy of all personal information we hold about you, including your financial planning data and usage history.
Correct Information: Update or fix any incorrect personal details, financial information, or preferences in your account at any time.
Delete Your Account: Request complete removal of your personal information from our systems, subject to legal retention requirements.
Restrict Processing: Limit how we use specific pieces of your information while keeping your account active.
Data Portability: Export your financial planning data in a readable format to transfer to another service provider.
To exercise these rights, contact our privacy team using the details below. We respond to all requests within 30 days and provide clear explanations of any actions taken.
Data Security and Protection
Protecting your financial information is our highest priority. nexarolivo employs multiple layers of security to safeguard your personal data against unauthorised access, theft, or misuse.
Our security measures include:
- 256-bit SSL encryption for all data transmission between your device and our servers
- Regular security audits conducted by independent cybersecurity firms
- Multi-factor authentication options to protect your account access
- Secure data centres located in Australia with physical and digital access controls
- Employee background checks and privacy training for all staff with data access
- Automated backup systems with encryption to prevent data loss
In the unlikely event of a data breach affecting your personal information, we will notify you within 72 hours and provide clear steps to protect your account.
Data Retention and Deletion
We keep your personal information only as long as necessary to provide our emergency fund planning services and meet our legal obligations under Australian financial services laws.
Here's how long we retain different types of information:
- Active account data: Retained while your account remains open and for 12 months after closure
- Financial planning history: Stored for 7 years to comply with Australian record-keeping requirements
- Communication records: Kept for 3 years for customer service quality and dispute resolution
- Usage analytics: Aggregated and anonymised after 24 months, individual data deleted
- Marketing preferences: Deleted immediately upon unsubscribe or account closure
When retention periods expire, we securely delete your information using industry-standard data destruction methods. You can request early deletion of certain data types by contacting our support team.
Cookies and Tracking Technologies
nexarolivo uses cookies and similar technologies to enhance your experience with our emergency fund planning tools and understand how you interact with our platform.
We use several types of cookies:
- Essential cookies that enable core platform functionality and secure login
- Performance cookies that help us understand which features are most helpful
- Preference cookies that remember your settings and customisation choices
- Analytics cookies that provide insights into user behaviour and platform performance
You can control cookie settings through your browser preferences, though disabling certain cookies may limit some platform features. We do not use cookies for third-party advertising or cross-site tracking.
International Data Transfers
nexarolivo primarily stores and processes your information within Australia. When we need to transfer data internationally for specific services, we ensure appropriate safeguards are in place.
Any international transfers occur only with:
- Countries that provide adequate data protection under Australian privacy law
- Service providers bound by contractual privacy protections equivalent to Australian standards
- Your explicit consent for specific features that require international processing
We maintain detailed records of all international data transfers and regularly review the privacy practices of overseas providers to ensure continued protection of your information.
Changes to This Privacy Policy
We review and update this privacy policy regularly to reflect changes in our services, legal requirements, or data protection practices. When we make significant changes, we provide clear notice through multiple channels.
You'll receive notification of policy changes through:
- Email alerts to your registered address at least 30 days before changes take effect
- Prominent notices on our platform highlighting key updates
- Optional webinars explaining significant privacy policy modifications
Continued use of nexarolivo services after the effective date constitutes acceptance of updated privacy practices. If you disagree with changes, you can close your account before the new policy takes effect.
This privacy policy was last updated in March 2025. Previous versions are available upon request for your reference.
Privacy Questions and Contact Information
If you have questions about this privacy policy, need help exercising your privacy rights, or want to report a privacy concern, our dedicated privacy team is here to help.
We aim to respond to all privacy inquiries within 5 business days and provide resolution within 30 days. For urgent privacy matters, please call during business hours for immediate assistance.