Privacy Policy

Your privacy matters to us. This comprehensive policy explains how toravexilio collects, uses, and protects your personal information when you use our investment analysis platform.

Effective Date: March 15, 2025 | Last Updated: March 15, 2025

Information We Collect

toravexilio collects various types of information to provide you with comprehensive investment analysis and financial planning services. We gather this information through multiple channels when you interact with our platform, create an account, or use our analytical tools.

Personal Information

Full name, email address, and phone number during registration
Residential address and postal code for service customization
Date of birth and identification documents for age verification
Professional information including occupation and employer details
Financial information such as income range and investment experience level

Technical Information

Our systems automatically collect technical data about your device and browsing behavior to improve our services and ensure platform security. This includes your IP address, browser type and version, operating system, device identifiers, and cookies that help us remember your preferences.

Data Type Collection Method Purpose
Login Credentials Direct Input Account access and security
Investment Preferences Platform Usage Personalized recommendations
Usage Analytics Automated Tracking Service improvement

How We Use Your Information

The information we collect serves multiple purposes in delivering our investment analysis services. We use your data responsibly and only for legitimate business purposes that directly benefit your experience with our platform.

Service Delivery: We use your personal information to provide customized investment analysis, generate personalized reports, and deliver educational content tailored to your financial goals and risk tolerance.

Platform Improvement: Your usage data helps us identify areas for enhancement, develop new features, and optimize our analytical tools to better serve Australian investors.

Specific Use Cases

Creating and maintaining your user account and profile
Providing personalized investment analysis and market insights
Sending important notifications about market changes and platform updates
Conducting security monitoring and fraud prevention activities
Complying with legal and regulatory requirements in Australia
Generating anonymous analytics to improve our services

We never sell your personal information to third parties. Any data sharing occurs only under strict conditions outlined in this policy, primarily for essential service delivery or legal compliance purposes.

Data Security and Protection

Protecting your personal information is our top priority. We implement comprehensive security measures that meet or exceed industry standards for financial services platforms. Our security framework includes both technical and organizational safeguards.

All sensitive data is encrypted using AES-256 encryption both in transit and at rest. We conduct regular security audits and penetration testing to identify and address potential vulnerabilities.

Technical Security Measures

Our infrastructure employs multiple layers of security including firewalls, intrusion detection systems, and secure data centers with 24/7 monitoring. We use SSL/TLS encryption for all data transmission and maintain secure backup systems with regular testing protocols.

Access Controls

Multi-factor authentication for all administrative access
Role-based access controls limiting data access to authorized personnel only
Regular access reviews and automatic deactivation of unused accounts
Comprehensive audit logging of all system access and data modifications
Employee background checks and mandatory security training programs

Your Rights and Choices

Under Australian privacy law, you have significant rights regarding your personal information. We respect these rights and provide clear mechanisms for you to exercise them. You can manage many aspects of your privacy directly through your account settings.

Access and Correction Rights

You have the right to access any personal information we hold about you and request corrections if the information is inaccurate or incomplete. We provide tools within your account dashboard to view and update most of your personal information directly.

To exercise your rights, contact our privacy team at privacy@toravexilio.com or use the data management tools in your account settings. We respond to all requests within 30 days and provide detailed explanations of any actions taken.

Data Portability and Deletion

Request a copy of your data in a commonly used electronic format
Delete your account and associated personal information
Opt out of marketing communications while maintaining account access
Restrict processing of your data for specific purposes
Object to automated decision-making processes

Please note that some information may be retained for legal compliance purposes even after account deletion. We maintain detailed records of all privacy requests and actions taken to ensure transparency and accountability.

Data Sharing and Third Parties

We limit data sharing to essential service providers and legal requirements. When we do share information, it's done under strict contractual agreements that require the same level of privacy protection we maintain internally.

Service Providers

We work with carefully selected third-party service providers who help us deliver our investment analysis services. These include cloud hosting providers, payment processors, and analytics services. All providers sign comprehensive data processing agreements and undergo regular security assessments.

Service Category Data Shared Purpose
Cloud Infrastructure Account and usage data Platform hosting and maintenance
Payment Processing Billing information Subscription management
Analytics Services Anonymized usage data Service improvement

Legal Requirements

We may disclose your information when required by law, including responses to court orders, regulatory investigations, or other legal processes. We always review such requests carefully and disclose only the minimum information necessary to comply with legal obligations.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services or comply with legal obligations. Our retention policies are designed to balance your privacy rights with legitimate business needs and regulatory requirements.

Retention Periods

Account information: Retained while your account is active plus 7 years
Financial data: Retained for 7 years after account closure per Australian regulations
Communication records: Retained for 3 years for quality assurance
Technical logs: Retained for 12 months for security monitoring
Marketing preferences: Retained until you opt out or account deletion

We conduct regular data audits to ensure information is deleted according to our retention schedule. You can request early deletion of certain data types by contacting our privacy team, subject to legal and regulatory constraints.

Secure Deletion Process

When data reaches the end of its retention period, we use secure deletion methods that make the information unrecoverable. This includes overwriting data multiple times and destroying physical storage media according to industry best practices.

International Data Transfers

While toravexilio primarily operates within Australia, some of our service providers may process data in other countries. We ensure that any international data transfers comply with Australian privacy laws and provide adequate protection for your personal information.

Transfer Safeguards

All transfers to countries with adequate privacy protections as recognized by Australian law
Contractual clauses requiring equivalent privacy protection standards
Regular monitoring of international service providers' security practices
Encryption of all data during international transmission

We maintain an up-to-date list of countries where your data may be processed and the safeguards in place. This information is available upon request from our privacy team.

Children's Privacy

toravexilio's investment analysis platform is designed for adults and we do not knowingly collect personal information from children under 18 years of age. If we discover that we have inadvertently collected information from a minor, we will take immediate steps to delete such information.

Parents or guardians who believe their child has provided personal information to toravexilio should contact us immediately at privacy@toravexilio.com. We will promptly investigate and take appropriate action to protect the child's privacy.

Cookie Policy

toravexilio uses cookies and similar tracking technologies to enhance your experience on our platform. We categorize cookies based on their purpose and provide you with control over non-essential cookies through our cookie preference center.

Types of Cookies We Use

Essential cookies: Required for basic platform functionality and security
Performance cookies: Help us understand how you use our platform
Functionality cookies: Remember your preferences and settings
Analytics cookies: Provide insights into platform usage patterns

You can manage your cookie preferences through your browser settings or our cookie preference center. Disabling certain cookies may affect some platform features, but essential functionality will remain available.

Policy Updates

We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. When we make significant changes, we will notify you through your registered email address and provide a prominent notice on our platform.

We encourage you to review this policy periodically to stay informed about how we protect your privacy. Continued use of our platform after policy updates constitutes acceptance of the revised terms.

Change Notification Process

Email notification to all active users for material changes
Platform banner notification for 30 days after updates
Version history available showing all policy changes
30-day notice period before significant changes take effect

Contact Our Privacy Team

If you have questions about this privacy policy or how we handle your personal information, our dedicated privacy team is here to help.

Email: privacy@toravexilio.com
Phone: +61 422 432 009
Address: 453 Ruthven St, Toowoomba City QLD 4350, Australia

We respond to all privacy inquiries within 2 business days and provide detailed explanations of our practices and your rights.