Privacy Policy

Introduction

polumyrameruyvo is committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website polumyrameruyvo.sbs or use our financial services.

This policy complies with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and other applicable Australian privacy laws. We respect your right to privacy and are dedicated to protecting your personal information through our adherence to this policy.

Information We Collect

We collect this information through various means, including direct interactions, website cookies, and third-party analytics services. All collection methods comply with Australian privacy laws and industry standards.

How We Use Your Information

polumyrameruyvo uses your personal information for legitimate business purposes that align with your expectations and our legal obligations. Our primary uses include providing financial services, improving customer experience, and maintaining regulatory compliance.

• Providing and personalizing our financial services
• Processing transactions and maintaining accounts
• Communicating about services, updates, and promotional offers
• Conducting identity verification and fraud prevention
• Complying with legal and regulatory requirements
• Improving our website functionality and user experience
• Developing new products and services based on user needs
• Providing customer support and resolving inquiries

We process your information based on legitimate interests, contract performance, legal compliance, and your consent where required. You can withdraw consent at any time for processing based solely on consent.

Information Sharing and Disclosure

polumyrameruyvo does not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information only in specific circumstances that are necessary for our business operations or required by law.

We may disclose your personal information to:

• Service providers who assist us in delivering our services
• Professional advisors including lawyers, auditors, and consultants
• Regulatory authorities and government agencies as required by law
• Business partners for joint service offerings (with your consent)
• Third parties in connection with business transfers or acquisitions
• Law enforcement agencies when required by legal process

All third-party recipients are bound by confidentiality obligations and must handle your information in accordance with applicable privacy laws. We conduct due diligence on our service providers to ensure they maintain appropriate security standards.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements.

Our retention periods vary depending on the type of information and the purpose for which it was collected:

• Account information: Retained for the duration of your relationship with us plus 7 years
• Transaction records: Retained for 7 years as required by financial services regulations
• Marketing communications: Retained until you opt out or 3 years of inactivity
• Website usage data: Typically retained for 2 years for analytical purposes
• Customer service records: Retained for 5 years for quality assurance

When personal information is no longer needed, we securely delete or anonymize it in accordance with our data destruction procedures and industry best practices.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and personalize content. Cookies are small text files stored on your device that help us remember your preferences and improve our services.

We use different types of cookies:

• Essential cookies: Required for basic website functionality
• Performance cookies: Help us understand how visitors use our website
• Functional cookies: Remember your preferences and settings
• Marketing cookies: Used to deliver relevant advertisements (with consent)

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality. We respect your choices regarding cookie usage and provide clear options for managing your preferences.

International Data Transfers

Your personal information is primarily stored and processed within Australia. However, some of our service providers and business partners may be located overseas, which may involve transferring your information internationally.

When we transfer personal information overseas, we ensure appropriate safeguards are in place, including:

• Transferring only to countries with adequate privacy protections
• Using standard contractual clauses approved by privacy authorities
• Conducting due diligence on overseas recipients
• Implementing additional security measures for international transfers

We will notify you of any significant changes to our international data transfer practices and seek your consent where required by law.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes through prominent website notices or direct communication.

The effective date at the beginning of this policy indicates when the latest revision was made. We encourage you to review this policy regularly to stay informed about how we protect your privacy and handle your personal information.

If you have concerns about changes to this policy, please contact us using the information provided below. Your continued use of our services after policy changes indicates your acceptance of the updated terms.