Information We Collect

We collect information directly from you when you interact with our services. The type of information depends on what you're doing with us, but generally includes:

• Personal identifiers like your name, email address, phone number, and residential address
• Financial information necessary for providing our services, including income details and transaction history
• Identification documents when required by Australian financial regulations
• Communication records when you contact us through phone, email, or our website
• Technical data such as IP addresses, browser types, and device information when you visit our website
• Cookies and similar tracking technologies to improve your online experience

Information From Other Sources

Sometimes we receive information about you from third parties. This might happen when credit bureaus provide us with credit reports, when other financial institutions share relevant data during service transfers, or when publicly available databases contain information relevant to our compliance obligations.

How We Use Your Information

We don't collect information just for the sake of it. Everything we gather serves a specific purpose related to our relationship with you:

• Providing and managing financial services you've requested from us
• Assessing your eligibility for various financial products and services
• Meeting our legal obligations under Australian financial services legislation
• Preventing fraud and ensuring the security of your accounts and transactions
• Improving our services based on feedback and usage patterns
• Communicating with you about your accounts, services, and important updates
• Sending you information about new services that might interest you (you can opt out anytime)

Legal Basis for Processing

Under Australian law, we process your information based on several grounds. Most commonly, we process data to fulfill our contract with you when you use our services. We also process information to comply with legal obligations like anti-money laundering laws and tax reporting requirements.

In some cases, we rely on legitimate interests — for example, improving our services or preventing fraud. When we do this, we always balance our interests against your privacy rights.

Sharing Your Information

We share information only when necessary. Here's who might receive your data and why:

All third parties we work with are contractually bound to protect your information and use it only for the purposes we specify. We don't just hand over data without proper safeguards in place.

International Data Transfers

Most of your information stays within Australia. However, some of our service providers operate cloud servers located overseas. When we transfer data internationally, we ensure appropriate safeguards are in place through standard contractual clauses and by working only with providers who meet Australian privacy standards.

Countries where data might be processed include the United States and Singapore, where major cloud infrastructure providers operate. These transfers only occur when necessary for providing our services efficiently.

Your Privacy Rights

You have significant control over your personal information. Here's what you can do:

How to Exercise Your Rights

Send your request to support@vazelopyrino.com with "Privacy Request" in the subject line. Include your full name, contact details, and specify which right you'd like to exercise. We'll respond within 30 days and may need to verify your identity before processing your request.

If you're not satisfied with how we handle your request, you can lodge a complaint with the Office of the Australian Information Commissioner.

Data Security Measures

We take security seriously because your financial information deserves protection. Our approach includes multiple layers:

• Bank-grade encryption for data transmission and storage using industry-standard protocols
• Regular security audits and vulnerability assessments conducted by independent specialists
• Strict access controls ensuring only authorized personnel can access your information
• Employee training on privacy and security best practices conducted quarterly
• Incident response procedures to quickly address any potential security breaches
• Secure physical facilities with restricted access to our Bankstown office
• Regular backups stored in secure, geographically separate locations

While we implement strong protections, no system is completely immune to security risks. If we experience a data breach that poses serious harm, we'll notify affected individuals and the Australian Information Commissioner as required by law.

Data Retention

We don't keep information longer than necessary. Our retention periods vary depending on the type of information and legal requirements:

• Financial transaction records: 7 years (as required by Australian tax law)
• Identification documents: 7 years after relationship ends (anti-money laundering compliance)
• Communication records: 2-5 years depending on content and relevance
• Marketing preferences: Until you withdraw consent or close your account
• Website analytics: 26 months maximum

After retention periods expire, we securely delete or anonymize your information so it can no longer identify you. Some information might be retained longer if required for legal proceedings or regulatory investigations.

Cookies and Online Tracking

Our website uses cookies — small text files stored on your device that help us provide a better experience. We use several types:

• Essential cookies that make the website function properly (you can't opt out of these)
• Performance cookies that help us understand how visitors use our site
• Functionality cookies that remember your preferences and settings

You can control cookies through your browser settings. Keep in mind that blocking certain cookies might affect how our website works for you. We don't use third-party advertising cookies or share browsing data with ad networks.

Children's Privacy

Our services aren't designed for individuals under 18 years old. We don't knowingly collect personal information from children. If you're a parent or guardian and believe we've collected information about your child, please contact us immediately and we'll delete it.

Changes to This Policy

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

The "Last Updated" date at the top of this page shows when we last revised the policy. We encourage you to review it occasionally to stay informed about how we protect your information.

Third-Party Links

Our website might contain links to other websites operated by third parties. Once you leave our site, this privacy policy no longer applies. We're not responsible for the privacy practices of other websites, and we recommend reading their privacy policies before sharing any information.