Information We Collect
Personal Information
When you register for joranthivalequmos's liquidity and solvency analysis services, we collect information that helps us provide personalized financial insights. This includes your name, email address, phone number, and business details if you're representing a company.
We also gather professional information such as your role in financial decision-making, industry sector, and specific areas of interest within financial analysis. This helps us tailor our content and recommendations to your needs.
| Data Type | Examples | Collection Method |
|---|---|---|
| Account Information | Name, email, password, phone number | Registration forms |
| Professional Details | Job title, company name, industry | Profile setup |
| Usage Data | Page views, feature usage, time spent | Automatic collection |
| Technical Information | IP address, browser type, device info | Server logs |
Financial Analysis Data
For our liquidity and solvency analysis tools, you might upload financial statements, cash flow data, or other business metrics. We handle this information with extreme care, understanding its sensitive nature.
Important: We never store your actual financial data permanently. Analysis files are processed and then securely deleted within 48 hours unless you specifically choose to save them in your account.
How We Use Your Information
Your information serves several purposes within our platform. We use it to create your personalized dashboard, provide relevant financial analysis tools, and send you updates about new features that match your interests.
- Service Delivery: Processing your financial analysis requests and generating reports tailored to your business needs
- Account Management: Maintaining your profile, tracking your subscription, and providing customer support
- Platform Improvement: Understanding which features are most valuable to optimize our services
- Communication: Sending important updates, educational content, and responding to your inquiries
- Security: Protecting your account from unauthorized access and preventing fraudulent activity
We also use aggregated, anonymized data to improve our analysis algorithms. For instance, understanding common liquidity patterns helps us provide better benchmarking tools – but this never involves your specific company information.
Information Sharing and Disclosure
Third-Party Service Providers
We work with carefully selected partners to deliver our services effectively. These include cloud hosting providers, email service platforms, and payment processors. Each partner is bound by strict confidentiality agreements and can only use your data for specific, authorized purposes.
Our current service providers include:
- AWS for secure cloud hosting and data processing
- Mailchimp for educational newsletters (only if you subscribe)
- Stripe for payment processing
- Zendesk for customer support management
Legal Requirements
We may disclose your information when required by Australian law, court orders, or regulatory requests. This includes compliance with the Privacy Act 1988 (Cth) and Australian Securities and Investments Commission (ASIC) requirements where applicable.
We will never sell, rent, or trade your personal information to third parties for their marketing purposes. Your financial data remains confidential and is never shared with competitors or market research companies.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information. We've made it easy to exercise these rights through your account settings or by contacting our privacy team.
Access Your Data
Request a complete copy of all personal information we hold about you. We'll provide this within 30 days in a readable format.
Correct Information
Update or correct any inaccurate personal information directly through your account settings or by contacting support.
Delete Your Account
Request complete deletion of your account and associated data. Some information may be retained for legal compliance purposes.
Data Portability
Export your analysis history and reports in common file formats to use with other financial analysis tools.
Withdraw Consent
Opt out of marketing communications or withdraw consent for optional data processing activities at any time.
File a Complaint
Contact the Office of the Australian Information Commissioner (OAIC) if you believe we've mishandled your personal information.
How to Exercise Your Rights
Most privacy actions can be completed directly through your account dashboard. For more complex requests or if you need assistance, email our privacy team at privacy@joranthivalequmos.com with your request and account information.
We typically respond within 5 business days and complete most requests within 30 days. For data deletion requests, we'll send you a confirmation email once the process is complete.
Security and Data Protection
Protecting your financial information is our top priority. We employ multiple layers of security measures designed specifically for sensitive financial data handling.
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Encryption
All data is encrypted both in transit (TLS 1.3) and at rest (AES-256) using industry-standard protocols.
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Access Controls
Multi-factor authentication for all accounts and role-based access controls for our staff members.
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Regular Audits
Quarterly security assessments and penetration testing by independent cybersecurity firms.
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Data Backup
Automated daily backups stored in geographically separate Australian data centers.
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Incident Response
24/7 monitoring system with immediate response protocols for any security concerns.
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Staff Training
Regular privacy and security training for all team members with access to user data.
Our security measures comply with Australian Government Information Security Manual (ISM) guidelines and international standards including ISO 27001. We also maintain cyber liability insurance to protect both joranthivalequmos and our users.
Data Retention and Deletion
We keep your information only as long as necessary to provide our services and meet legal requirements. Different types of data have different retention periods based on their purpose and legal obligations.
Retention Periods
- Account Information: Retained while your account is active plus 2 years after account closure for potential reactivation
- Financial Analysis Data: Deleted within 48 hours unless saved to your account, then retained until account deletion
- Communication Records: Support emails kept for 3 years, marketing communications for 2 years after unsubscribing
- Usage Analytics: Aggregated usage statistics kept indefinitely in anonymized form
- Payment Information: Transaction records kept for 7 years to comply with Australian tax law requirements
When data reaches the end of its retention period, it's securely deleted using industry-standard data wiping techniques. For physical storage devices, we use multi-pass overwriting methods that exceed Australian Government standards.
Account Deletion Process
When you delete your account, most personal information is removed immediately. Some data may be retained for up to 90 days in backup systems before final deletion. We'll send you confirmation once the process is completely finished.
International Data Transfers
Your data is primarily stored and processed within Australia using local data centers. However, some of our service providers operate internationally, which may involve transferring certain types of data overseas.
When international transfers occur, we ensure adequate protection through:
- Standard contractual clauses approved by Australian privacy authorities
- Adequacy decisions recognizing equivalent privacy protection in destination countries
- Additional safeguards such as encryption and access controls
- Regular compliance audits of international service providers
Currently, limited technical data (such as error logs) may be transferred to servers in Singapore and the United States for processing by our technology partners. No financial analysis content or personal identifiers are included in these transfers.
Privacy Questions and Contact
If you have questions about this privacy policy or how we handle your information, we're here to help.
Privacy Officer: privacy@joranthivalequmos.com
General Inquiries: info@joranthivalequmos.com
Phone: +61413049108
Mailing Address: 76 Greentree Way, Albury NSW 2640, Australia
We typically respond to privacy inquiries within 5 business days and aim to resolve all concerns within 30 days.