Privacy Policy

Last Updated: March 15, 2025

At halvtarnnovaos, we take your privacy seriously. This comprehensive privacy policy explains how we collect, use, store, and protect your personal information when you use our financial decision-making platform at halvtarnnovaos.com. We believe transparency builds trust, and we're committed to keeping your data secure while providing you with exceptional financial services.

Information We Collect

We collect various types of information to provide you with personalized financial services and improve your experience on our platform. This includes both information you provide directly and information we collect automatically.

Personal Information You Provide

Full name, email address, and phone number during account registration
Financial information including income, expenses, and investment preferences
Identity verification documents and authentication data
Communication preferences and customer service interactions
Payment information and transaction history
Survey responses and feedback submissions

Automatically Collected Information

Device information including IP address, browser type, and operating system
Usage patterns and navigation behavior on our platform
Session data and authentication tokens
Cookies and similar tracking technologies
Location data (with your consent) for enhanced security

Data Minimization Principle

We only collect information that is necessary for providing our financial services. We regularly review our data collection practices to ensure we're not gathering excessive or unnecessary information about our users.

How We Use Your Information

Your information helps us deliver personalized financial guidance and maintain the security of our platform. We use your data for specific, legitimate purposes that benefit your financial journey.

Purpose	Data Used	Legal Basis
Account management and authentication	Personal details, login credentials	Contract performance
Financial analysis and recommendations	Financial data, transaction history	Contract performance
Customer support and communication	Contact information, interaction history	Legitimate interest
Security monitoring and fraud prevention	Device data, usage patterns	Legitimate interest
Platform improvement and analytics	Usage statistics, feedback	Legitimate interest

Marketing Communications

We may send you educational content about financial planning and platform updates. You can opt out of marketing communications at any time through your account settings or by contacting us directly.

Data Sharing and Third Parties

We maintain strict controls over who can access your personal information. We only share your data with trusted partners who help us provide our services, and never sell your information to third parties for marketing purposes.

Service Providers

Cloud hosting providers for secure data storage and processing
Payment processors for transaction handling and billing
Identity verification services for account security
Customer support platforms for efficient service delivery
Analytics providers for platform performance monitoring

Legal Requirements

We may disclose your information when required by law, such as:

Compliance with court orders or legal processes
Cooperation with law enforcement investigations
Protection of our rights and property
Prevention of fraud or illegal activities

Data Security and Protection

We implement comprehensive security measures to protect your personal and financial information. Our security practices are regularly reviewed and updated to address emerging threats and maintain the highest standards of data protection.

Technical Safeguards

End-to-end encryption for all data transmissions
Advanced firewall systems and intrusion detection
Regular security audits and penetration testing
Multi-factor authentication for account access
Automated backup systems with encryption

Organizational Measures

Staff training on data protection and privacy procedures
Access controls limiting who can view your information
Regular security awareness programs for all employees
Incident response procedures for security breaches
Third-party security certifications and compliance audits

Data Breach Notification

In the unlikely event of a data breach that may affect your personal information, we will notify you within 72 hours and provide clear information about what happened, what information was involved, and what steps we're taking to address the issue.

Your Rights and Choices

You have significant control over your personal information. We provide multiple ways for you to access, modify, or delete your data, ensuring you maintain control over your privacy.

Access and Portability Rights

Request a copy of all personal information we hold about you
Download your data in a commonly used, machine-readable format
Transfer your information to another service provider
Receive regular updates about how your data is being used

Correction and Deletion Rights

Update or correct inaccurate personal information
Request deletion of your account and associated data
Restrict processing of your information for specific purposes
Object to automated decision-making processes

How to Exercise Your Rights

To exercise any of these rights, simply:

Log into your account and update your preferences
Contact our privacy team at privacy@halvtarnnovaos.com
Call us at +61468486332 during business hours
Send a written request to our office address

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Our retention periods are based on the type of information and the purpose for which it was collected.

Data Type	Retention Period	Reason
Account information	Duration of account + 7 years	Legal compliance and audit requirements
Financial transaction data	7 years after transaction	Regulatory compliance and dispute resolution
Marketing communications	Until opt-out + 30 days	Preference management and compliance
Website usage data	13 months	Analytics and platform improvement
Customer support records	3 years	Service quality and training purposes

Secure Deletion Process

When we delete your data, we use secure deletion methods that make the information unrecoverable. This includes overwriting data storage locations and destroying physical media when necessary.

International Data Transfers

While halvtarnnovaos operates primarily in Australia, some of our service providers may be located in other countries. We ensure that any international transfers of your personal information are conducted with appropriate safeguards and protections.

Transfer Safeguards

Standard contractual clauses approved by privacy authorities
Adequacy decisions for countries with strong privacy laws
Binding corporate rules for multinational service providers
Regular compliance audits of international partners

Data Locations

Your personal information may be processed in the following locations:

Australia (primary data center and headquarters)
United States (cloud hosting and analytics services)
European Union (customer support and development)
Singapore (regional backup and disaster recovery)

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze usage patterns. You have control over how these technologies are used.

Types of Cookies We Use

Essential cookies for basic platform functionality
Performance cookies to analyze usage and improve services
Functional cookies to remember your preferences
Analytics cookies to understand user behavior

Managing Cookie Preferences

You can control cookies through:

Your browser settings to block or delete cookies
Our cookie preference center in your account settings
Opt-out tools provided by third-party analytics services
Privacy-focused browser extensions and tools

Children's Privacy

halvtarnnovaos's services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child without proper consent, we will take immediate steps to delete that information.

If You Are a Parent or Guardian

Please supervise your child's internet usage and ensure they don't provide personal information to our platform
Contact us immediately if you believe your child has provided personal information to us
We will verify the request and delete any information we may have collected
We may request additional verification to protect the child's privacy

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. We believe in transparency and will always notify you of significant changes.

How We Notify You of Changes

Email notifications for significant policy changes
Prominent notices on our website homepage
In-app notifications when you log into your account
Updated "Last Modified" date at the top of this policy

Material Changes

For material changes that significantly affect how we collect, use, or share your information, we will provide at least 30 days' notice and may require your explicit consent to continue using our services.

Contact Our Privacy Team

If you have questions about this privacy policy or how we handle your personal information, we're here to help. Our privacy team is committed to addressing your concerns promptly and thoroughly.

Email: privacy@halvtarnnovaos.com

Phone: +61 468 486 332

Mail: Privacy Officer, halvtarnnovaos
871 Miller St, West Albury NSW 2640, Australia

We aim to respond to all privacy inquiries within 5 business days. For urgent matters, please call us directly during business hours (Monday to Friday, 9 AM to 5 PM AEST).