Introduction

zephyrexari Financial Services ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial services, visit our website at zephyrexari.com, or engage with our business process solutions.

We operate under Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy applies to all personal information we collect about you, whether online or offline.

Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you:

• Register for our financial services
• Complete application forms or questionnaires
• Contact us via phone, email, or our website
• Participate in surveys or feedback sessions
• Subscribe to newsletters or marketing communications
• Attend our business events or webinars

The types of personal information we may collect include:

• Name, address, phone number, and email address
• Date of birth and government identification numbers
• Financial information, including income, assets, and liabilities
• Employment details and business information
• Transaction history and account details
• Credit history and financial references

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing behaviour, including:

• IP address and device identifiers
• Browser type and version
• Pages visited and time spent on our website
• Referring website and search terms used
• Cookies and similar tracking technologies

How We Use Your Information

We use the personal information we collect for the following purposes:

Primary Purposes

• Providing financial services and business process solutions
• Processing applications and managing your accounts
• Conducting credit checks and risk assessments
• Communicating about your services and account status
• Complying with legal and regulatory requirements
• Preventing fraud and ensuring security

Secondary Purposes

• Improving our services and developing new products
• Conducting market research and analysis
• Sending marketing communications (with your consent)
• Personalising your experience on our website
• Managing customer relationships and support

Information Sharing and Disclosure

We may share your personal information with third parties in the following circumstances:

Service Providers

We work with trusted third-party service providers who assist us in delivering our services. These providers may access your information solely for the purpose of performing services on our behalf, including:

• Credit reporting agencies and financial institutions
• Technology and data hosting providers
• Professional advisors, including lawyers and accountants
• Marketing and communications service providers
• Customer support and call centre services

Legal Requirements

We may disclose your information where required or permitted by law, including:

• Compliance with court orders or legal processes
• Regulatory reporting requirements
• Prevention of fraud or criminal activity
• Protection of our rights and property
• Emergency situations involving public safety

Business Transfers

In the event of a merger, acquisition, or sale of our business, your information may be transferred to the new owner as part of the transaction, subject to the same privacy protections outlined in this policy.

Data Security Measures

We implement comprehensive security measures to protect your personal information from unauthorised access, use, or disclosure:

Despite our best efforts, no security system is completely impenetrable. If you become aware of any security breach or unauthorised access to your information, please contact us immediately.

Data Retention and Storage

We retain your personal information for as long as necessary to fulfil the purposes outlined in this policy, unless a longer retention period is required or permitted by law.

When information is no longer required, we securely delete or destroy it in accordance with our data destruction policies and applicable legal requirements.

Your Privacy Rights

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

How to Exercise Your Rights

1. Contact our Privacy Officer using the details provided below
2. Provide sufficient detail to help us locate your information
3. Include verification of your identity for security purposes
4. Specify the nature of your request (access, correction, complaint)
5. Allow up to 30 days for us to respond to your request

Additional rights include:

• Right to Complain: You may lodge a complaint with us or the Office of the Australian Information Commissioner if you believe we have mishandled your personal information
• Right to Withdraw Consent: You may withdraw consent for marketing communications or optional data processing at any time
• Right to Request Deletion: In certain circumstances, you may request deletion of your personal information
• Right to Data Portability: You may request a copy of your information in a commonly used format

International Data Transfers

Your personal information is primarily stored and processed in Australia. However, we may transfer your information to other countries where our service providers operate, including:

• Cloud storage providers in Singapore and the United States
• Customer support services in New Zealand
• Technology partners in the European Union

When we transfer information overseas, we ensure appropriate safeguards are in place, including contractual protections and compliance with Australian privacy laws. We only work with providers who maintain adequate privacy and security standards.

Cookies and Online Tracking

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalised services. We use the following types of cookies:

• Essential Cookies: Required for website functionality and security
• Performance Cookies: Help us understand how visitors use our website
• Functionality Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements (with your consent)

You can manage your cookie preferences through your browser settings. However, disabling certain cookies may affect website functionality.

Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. When we make material changes, we will:

• Update the "Last updated" date at the top of this policy
• Notify you via email if you have an active account with us
• Post a notice on our website highlighting the changes
• Provide additional notice for significant changes that affect your rights

We encourage you to review this policy periodically to stay informed about how we protect your information.