Privacy Policy
Your privacy matters to us. This policy explains how jilunelivae collects, uses, and protects your personal information in accordance with Australian privacy laws.
1. Information We Collect
jilunelivae collects information directly from you when you use our financial insights platform. We're transparent about what we gather and why it's necessary for providing quality financial education and analysis services.
| Information Type | Purpose | Legal Basis |
|---|---|---|
|
Personal Details
Name, email, phone number |
Account creation, communication, service delivery | Contract performance, legitimate interests |
|
Financial
Preferences
Investment interests, risk tolerance |
Personalised content, relevant insights | Consent, legitimate interests |
|
Usage Data
Page views, session duration, feature usage |
Platform improvement, content optimization | Legitimate interests |
|
Device Information
IP address, browser type, device ID |
Security, technical support, analytics | Legitimate interests |
We don't collect sensitive financial data like bank account numbers, credit card details, or specific investment holdings. Our focus remains on educational content delivery rather than financial transactions.
2. How We Use Your Information
Your information helps us deliver personalised financial insights and maintain platform security. We process data for specific, legitimate purposes that align with your expectations as a user.
- Content Personalisation: Tailoring financial insights based on your stated interests and engagement patterns
- Communication: Sending newsletters, market updates, and important account notifications
- Platform Security: Detecting fraud, preventing unauthorised access, and maintaining system integrity
- Service Improvement: Analysing usage patterns to enhance user experience and develop new features
- Legal Compliance: Meeting regulatory requirements and responding to lawful requests
- Customer Support: Providing technical assistance and responding to inquiries
Automated Decision Making
We use automated systems to recommend content and detect unusual account activity. You have the right to request human review of any automated decisions that significantly affect you. Our algorithms focus on content relevance rather than creditworthiness or financial assessments.
3. Data Sharing and Third Parties
jilunelivae operates with a minimal data sharing approach. We only share information when necessary for service delivery, legal compliance, or with your explicit consent.
- Service Providers: Cloud hosting (AWS Australia), email delivery services, and analytics platforms under strict data processing agreements
- Legal Requirements: Australian government agencies when required by law, court orders, or regulatory investigations
- Business Transfers: In the event of merger or acquisition, with advance notice and continued privacy protection
- Your Consent: Third-party integrations or partnerships you explicitly approve
We never sell personal data to advertisers, data brokers, or marketing companies. Any analytics data shared with partners is aggregated and anonymised to prevent individual identification.
4. Your Privacy Rights Under Australian Law
The Australian Privacy Act 2024 grants you comprehensive rights regarding your personal information. We've designed our systems to honour these rights efficiently and transparently.
Access Your Data
Request a complete copy of personal information we hold about you, including data sources and sharing history.
Correct Inaccuracies
Update or correct any personal information that's incomplete, outdated, or inaccurate through your account settings.
Delete Your Information
Request deletion of your personal data, subject to legal retention requirements and legitimate business needs.
Restrict Processing
Limit how we use your information while disputes are resolved or when you've withdrawn consent for certain activities.
Data Portability
Export your data in a structured, machine-readable format for transfer to other service providers.
Withdraw Consent
Opt out of marketing communications, data analytics, or other consent-based processing activities at any time.
To exercise these rights, contact our privacy team at help@jilunelivae.com with your request and identity verification. We respond within 30 days for standard requests, though complex cases may require additional time with regular updates.
5. Data Security and Protection
Protecting your information is fundamental to our operations. We implement multiple security layers designed to prevent unauthorised access, data breaches, and system compromises.
Technical Safeguards
- End-to-end encryption for data transmission using TLS 1.3 protocols
- Advanced encryption standard (AES-256) for data storage
- Multi-factor authentication for all administrative access
- Regular security audits and penetration testing by independent firms
- Automated threat detection and response systems
- Secure data centres with physical access controls and monitoring
Our security practices align with ISO 27001 standards and undergo annual third-party assessments. In the unlikely event of a data breach affecting your information, we'll notify you within 72 hours along with relevant authorities as required by Australian privacy laws.
6. Data Retention and Deletion
We retain personal information only as long as necessary for legitimate business purposes or legal compliance. Our retention practices balance your privacy rights with operational requirements and regulatory obligations.
| Data Category | Retention Period | Deletion Process |
|---|---|---|
| Account Information | Active account + 3 years after closure | Secure deletion with verification |
| Usage Analytics | 24 months from collection | Automated purging system |
| Communication Records | 7 years (regulatory requirement) | Legal hold until expiration |
| Marketing Preferences | Until withdrawal of consent | Immediate upon request |
When data reaches retention limits, we use secure deletion methods that make recovery impossible. Backup systems follow the same retention schedules with coordinated purging across all storage locations.
7. International Data Transfers
jilunelivae primarily processes data within Australia using local service providers. However, some technical operations may involve international transfers to ensure platform reliability and feature development.
When international transfers occur, we ensure adequate protection through:
- Standard contractual clauses approved by Australian privacy regulators
- Adequacy decisions recognising equivalent privacy protection in destination countries
- Binding corporate rules for transfers within our corporate family
- Specific consent for transfers outside these mechanisms
You can request information about specific international transfers affecting your data and the safeguards in place to protect your privacy rights across jurisdictions.
8. Cookies and Tracking Technologies
Our platform uses cookies and similar technologies to enhance user experience, maintain security, and analyse platform performance. We provide granular control over non-essential cookies through your browser settings and our cookie preference centre.
Cookie Categories
- Essential Cookies: Required for basic platform functionality, security, and user authentication
- Performance Cookies: Anonymous analytics to understand user behaviour and improve services
- Functional Cookies: Remember your preferences and personalisation settings
- Marketing Cookies: Track engagement with marketing content (only with explicit consent)
You can withdraw cookie consent at any time through your account settings or browser configuration. Disabling certain cookies may limit platform functionality, but core financial insights remain accessible.
9. Children's Privacy
jilunelivae's financial insights platform is designed for adults making investment and financial planning decisions. We don't knowingly collect personal information from individuals under 18 years of age.
If we become aware that personal information from a minor has been collected without appropriate parental consent, we'll delete such information promptly. Parents or guardians concerned about their child's information should contact our privacy team immediately.
10. Privacy Policy Updates
This privacy policy may be updated to reflect changes in our practices, legal requirements, or service offerings. Significant changes will be communicated through email notifications and prominent platform announcements.
Minor updates, such as clarifications or contact information changes, will be posted directly to this page with updated effective dates. We encourage periodic review of this policy to stay informed about how we protect your privacy.
Material Changes
If we make material changes affecting how we collect, use, or share your personal information, you'll receive advance notice with the opportunity to review changes before they take effect. Continued use of our platform after the effective date constitutes acceptance of updated terms.
Privacy Questions and Concerns
Our privacy team is available to address questions, concerns, or rights requests regarding your personal information.
Email: help@jilunelivae.com Phone: +61 2 8259 0311 Mail: Privacy Officer, jilunelivae5 Bayley St, Geelong VIC 3220, Australia
For unresolved privacy concerns, you may contact the Australian Information Commissioner at oaic.gov.au or 1300 363 992.