Introduction and Scope

delyvanorilth ("we," "us," or "our") operates delyvanorilth.com and provides financial services to individuals and businesses across Australia. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, use our services, or interact with us in any capacity.

We are committed to protecting your privacy and handling your personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and other applicable Australian privacy laws. This policy applies to all personal information we collect, regardless of how it's obtained.

Information We Collect

We collect various types of personal information to provide you with our financial services and improve your experience with our platform.

• Information you provide directly when registering for accounts or applying for services
• Data collected through cookies and similar technologies during website visits
• Financial records obtained from credit reporting agencies when legally permitted
• Communication records from phone calls, emails, and live chat interactions
• Location data when you use our mobile applications or location-enabled services

How We Use Your Information

Your personal information serves several important purposes in our business operations and service delivery. We process this information lawfully and only when we have a valid reason to do so.

• Providing and managing financial services, including account management and transaction processing
• Assessing applications for credit, loans, and other financial products we offer
• Meeting legal and regulatory obligations, including anti-money laundering and know-your-customer requirements
• Communicating with you about your accounts, services, and important updates
• Improving our website functionality and user experience through analytics
• Developing new products and services that better meet customer needs
• Preventing fraud, unauthorized access, and other security threats
• Marketing our services to you, where you have consented or where legally permitted

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We respect these rights and provide clear processes for exercising them.

• Access: You can request access to the personal information we hold about you, subject to certain exceptions under privacy law
• Correction: You may request corrections to personal information that is inaccurate, out-of-date, incomplete, or misleading
• Erasure: In certain circumstances, you can request deletion of your personal information where we no longer need it
• Restriction: You may request that we limit how we use your personal information in specific situations
• Portability: Where technically feasible, you can request your personal information in a structured, commonly used format
• Objection: You can object to certain uses of your personal information, particularly for direct marketing purposes
• Complaint: You have the right to make a complaint about our handling of your personal information

To exercise any of these rights, please contact our Privacy Officer using the contact details provided at the end of this policy. We will respond to your request within 30 days and may require verification of your identity.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. Our security framework includes both technical and organizational measures.

• Advanced encryption for data transmission and storage, using industry-standard protocols
• Multi-factor authentication systems for accessing sensitive account information
• Regular security assessments and penetration testing by independent security firms
• Strict access controls ensuring only authorized personnel can access personal information
• Comprehensive staff training on privacy and security best practices
• Secure disposal procedures for physical and electronic records containing personal information
• Network monitoring and intrusion detection systems operating around the clock
• Regular software updates and security patches across all systems

Despite our robust security measures, no method of transmission over the internet or electronic storage is completely secure. We continuously monitor and improve our security practices to maintain the highest level of protection possible.

Data Retention and Deletion

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, unless a longer retention period is required or permitted by law.

When personal information is no longer required, we securely delete or destroy it in accordance with our data destruction policy. This includes both electronic and physical records.

International Data Transfers

While we primarily store and process your personal information within Australia, there may be occasions where we need to transfer your information overseas. This typically occurs when we use international service providers or when providing services to customers with international requirements.

• Any overseas transfers comply with Australian Privacy Principle 8 and relevant privacy laws
• We ensure adequate protection measures are in place before any international transfer
• Countries we may transfer data to include the United States, United Kingdom, and other jurisdictions with adequate privacy protections
• We use contractual safeguards, including Standard Contractual Clauses, to protect your information during international transfers
• You will be notified if we establish new international data processing arrangements that affect your personal information

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and provide personalized services. These technologies help us understand how you use our website and improve our services.

• Essential Cookies: Required for basic website functionality, including security and access to member areas
• Performance Cookies: Collect anonymous information about website usage to help us improve performance
• Functional Cookies: Remember your preferences and provide enhanced features based on your selections
• Marketing Cookies: Used to deliver relevant advertisements and measure campaign effectiveness (with your consent)

You can control cookie settings through your browser preferences, though disabling certain cookies may limit website functionality. Our cookie consent banner allows you to manage your preferences when you first visit our site.

Complaints and Dispute Resolution

If you have concerns about how we handle your personal information, we encourage you to contact us first so we can address your concerns directly. We have established procedures for investigating and resolving privacy complaints.

• Contact our Privacy Officer with details of your concern and preferred resolution
• We will acknowledge your complaint within 5 business days and investigate thoroughly
• Most complaints are resolved within 30 days, though complex matters may take longer
• If unsatisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner
• You may also have rights to seek remedies through courts or tribunals in certain circumstances