Liorae - Creative Business Finance Solutions | Financial Services Australia

1. Introduction and Overview

At Liorae ("we," "us," or "our"), we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website uinthyp.life or use our financial services platform. We believe transparency builds trust, and this document serves as your comprehensive guide to understanding our data practices.

By accessing or using our services, you agree to the collection and use of information in accordance with this policy. If you disagree with any part of this privacy policy, please do not access the service. We may update this policy periodically, and we'll notify you of any material changes.

We are committed to protecting your personal information and maintaining the highest standards of data security in the financial services industry.

2. Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you register on our platform, express interest in obtaining information about us or our products, or otherwise contact us. The personal information we collect may include:

Full name, email address, and contact phone number
Mailing address and billing information for service provision
Financial information including bank account details and transaction history
Government-issued identification numbers as required by financial regulations
Employment information and income verification documents
Investment goals, risk tolerance, and financial objectives
Communication preferences and marketing consent status

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and usage patterns. This information helps us improve our services and ensure platform security:

IP address, browser type, and operating system information
Pages visited, time spent on each page, and click patterns
Device identifiers and mobile device information
Location data based on IP address or GPS (with permission)
Cookies and similar tracking technologies data
Login times and session duration for security monitoring

3. How We Use Your Information

We use the information we collect for various legitimate business purposes. Understanding how we use your data helps you make informed decisions about sharing information with us. Our primary uses include:

Purpose	Description	Legal Basis
Service Provision	Creating and managing your account, processing transactions, and delivering requested services	Contract Performance
Communication	Sending service updates, responding to inquiries, and providing customer support	Legitimate Interest
Compliance	Meeting regulatory requirements, preventing fraud, and ensuring platform security	Legal Obligation
Improvement	Analyzing usage patterns to enhance our services and develop new features	Legitimate Interest

4. Information Sharing and Disclosure

We understand that trust is earned through responsible data handling. We do not sell, trade, or rent your personal information to third parties for marketing purposes. However, we may share your information in specific circumstances:

With service providers who assist in operating our platform, conducting business, or servicing you, provided they agree to keep information confidential
When required by law, regulation, or court order, including compliance with financial services regulations
To protect our rights, property, or safety, or that of our users or others, including fraud prevention
In connection with a business transaction such as a merger, acquisition, or sale of assets
With your explicit consent for specific purposes not covered by this policy
With financial institutions and payment processors necessary to complete transactions

All third-party service providers are contractually obligated to maintain the confidentiality and security of your personal information and are prohibited from using it for any purpose other than providing services to us.

5. Your Privacy Rights

We believe you should have control over your personal information. Depending on your location, you may have various rights regarding your personal data. We're committed to honoring these rights regardless of where you're located:

Access Rights

You can request a copy of the personal information we hold about you. We'll provide this information in a commonly used, machine-readable format within 30 days of your request.

Correction Rights

If you believe any information we hold about you is inaccurate or incomplete, you can request that we correct or complete it. We'll respond to correction requests promptly.

Deletion Rights

You can request that we delete your personal information, subject to certain exceptions such as legal retention requirements for financial records.

Portability Rights

You can request that we transfer your personal information to another service provider in a structured, commonly used format where technically feasible.

Objection Rights

You can object to certain types of processing, including direct marketing. We'll honor such requests unless we have compelling legitimate grounds to continue processing.

Restriction Rights

You can request that we restrict the processing of your personal information in certain circumstances, such as while we verify the accuracy of disputed information.

To exercise any of these rights, please contact us using the information provided at the end of this policy. We may need to verify your identity before processing your request to ensure the security of your personal information.

6. Data Security Measures

Protecting your personal information is our top priority. We've implemented comprehensive security measures designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction:

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SSL/TLS encryption for all data transmission between your device and our servers
Advanced encryption algorithms for data storage, including AES-256 encryption for sensitive financial information
Multi-factor authentication requirements for account access and sensitive operations
Regular security audits and penetration testing by independent security firms
Employee access controls and regular security training for all staff members
Automated monitoring systems that detect and respond to potential security threats
Regular backups stored in secure, geographically distributed locations
Incident response procedures to quickly address any potential security breaches

While we use industry-standard security measures, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we continuously work to maintain the highest security standards possible.

7. Data Retention and Deletion

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law. Our retention practices are designed to balance your privacy rights with our legitimate business needs and legal obligations:

Account information is retained for the duration of your active account plus seven years after account closure, as required by financial regulations
Transaction records are maintained for seven years from the transaction date to comply with accounting and tax requirements
Communication records (emails, chat logs, phone calls) are kept for three years for customer service quality and dispute resolution purposes
Website usage data and analytics information are typically retained for two years to support service improvement efforts
Marketing consent records are maintained until you withdraw consent, plus an additional three years to demonstrate compliance
Security logs and fraud prevention data may be retained for up to ten years to protect against ongoing security threats

When personal information is no longer needed, we securely delete or anonymize it using industry-standard data destruction methods. For electronic data, this includes cryptographic erasure and multiple-pass overwriting. Physical documents are securely shredded and disposed of through certified destruction services.

8. International Data Transfers

As a financial services provider, we may need to transfer your personal information to countries outside Australia for processing and storage. We ensure that any international transfers comply with applicable privacy laws and provide adequate protection for your personal information:

We use Standard Contractual Clauses approved by relevant privacy authorities for transfers to countries without adequacy decisions
All international service providers must demonstrate equivalent privacy protections through certification or contractual commitments
We regularly assess the privacy laws and practices in destination countries to ensure ongoing protection
Data transfers are limited to what's necessary for service provision and are subject to strict access controls
We maintain records of all international transfers and can provide details upon request

If you have concerns about international data transfers, please contact us to discuss alternative arrangements that may be available for your specific situation.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website, analyze usage patterns, and provide personalized content. Understanding these technologies helps you make informed choices about your privacy preferences:

Types of Cookies We Use

Essential cookies that are necessary for website functionality and cannot be disabled
Performance cookies that help us understand how visitors interact with our website
Functional cookies that remember your preferences and personalize your experience
Analytics cookies that provide insights into website usage and help us improve our services
Security cookies that help identify and prevent fraudulent activity

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality and your user experience. We provide detailed cookie management options in our cookie consent banner when you first visit our site.

10. Third-Party Links and Services

Our website may contain links to third-party websites, applications, or services that are not operated by us. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

When you use integrated third-party services (such as payment processors or identity verification services), your interactions with these services are governed by their respective privacy policies. We choose our partners carefully and require them to maintain appropriate privacy and security standards, but we cannot control their practices entirely.

11. Privacy Policy Updates

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by email (if you have provided an email address) and prominently display a notice on our website.

We encourage you to review this privacy policy periodically to stay informed about how we collect, use, and protect your information. Your continued use of our services after any modifications indicates your acceptance of the updated policy.