Privacy Policy

Last Updated: March 2025

At luvexanora, we're straight with you about how we handle your information. This isn't just legal jargon—we genuinely care about your data because trust matters in financial planning and scenario modeling.

This policy explains what we collect, why we need it, and what we do with it. We operate under Australian Privacy Principles (APPs) as required by the Privacy Act 1988 (Cth), which means we follow strict standards for handling personal information.

What Information We Collect

When you use our financial scenario modeling tools, we need certain information to make things work properly. Here's what we typically gather:

Your name, email address, and phone number when you register or contact us
Financial scenario data you input for modeling purposes—this stays with you
Technical information like your IP address, browser type, and device details
Usage patterns showing how you interact with our modeling tools
Payment details when you subscribe to premium features (processed securely through third parties)

We don't collect information we don't need. If you're just browsing our educational content, we gather minimal technical data through standard analytics.

How We Use Your Information

Service Delivery

We use your data to provide access to our scenario modeling platform, process your calculations, and save your financial models for future reference.

Communication

Sometimes we need to reach out about your account, updates to our tools, or respond to your questions. We won't spam you.

Improvement

Analyzing usage patterns helps us figure out what's working and what needs fixing. This makes our tools better for everyone.

Security

We monitor for suspicious activity to protect your account and our platform from unauthorized access or misuse.

Your Rights Under Australian Law

The Privacy Act 1988 gives you specific rights regarding your personal information. You're not just a user—you have control over your data.

Access Your Information

Request a copy of what personal data we hold about you. We'll provide it within 30 days, usually sooner.
Correct Inaccuracies

If something's wrong or outdated, let us know and we'll fix it promptly. Accurate data matters for financial modeling.
Request Deletion

Want your data removed? We'll delete it unless we're legally required to keep it for regulatory purposes.
Withdraw Consent

Change your mind about marketing emails or optional data collection? You can opt out anytime through your account settings.
Lodge a Complaint

If you're unhappy with how we've handled your information, contact us first. Still not satisfied? You can reach out to the Office of the Australian Information Commissioner (OAIC).

Data Security Measures

We take security seriously because financial information is sensitive. Our platform uses industry-standard encryption (TLS 1.3) for data transmission and AES-256 encryption for stored data.

Access to personal information is restricted to authorized staff who need it for their roles. We conduct regular security audits and maintain detailed access logs. Our servers are hosted in Australian data centers that comply with ISO 27001 standards.

That said, no system is completely foolproof. We do everything reasonably possible to protect your data, but internet transmission always carries some inherent risk.

Data Retention Periods

We don't keep your information longer than necessary. Here's our retention approach:

Data Type	Retention Period	Reason
Account Information	Duration of active account plus 3 years	Legal and tax compliance requirements
Financial Models	Until you delete them or close your account	Your working data—you control it
Payment Records	7 years from transaction date	Australian tax law requirements
Support Communications	2 years from last contact	Service quality and dispute resolution
Analytics Data	18 months from collection	Platform improvement and optimization

Third-Party Services

We work with selected third parties to provide certain services. These partnerships are necessary for platform functionality, but we're careful about who we work with.

Payment Processing

We use Stripe for payment processing. They handle your credit card details directly—we never see or store your full payment information. Stripe is PCI DSS Level 1 certified, which is the highest security standard in the payment industry.

Your payment data goes straight to Stripe's secure servers and is processed according to their privacy policy and Australian financial regulations.

Analytics Services

We use analytics tools to understand how people use our platform. This helps us identify confusing features or technical problems. The data is anonymized wherever possible and we've configured these tools to respect your privacy.

You can opt out of analytics tracking through your browser settings or by contacting us directly.

Email Services

Our transactional and notification emails are sent through a third-party email service provider. They process your email address and name solely for delivery purposes and don't use your information for their own marketing.

All our third-party providers are contractually obligated to protect your data and use it only for the specific purposes we've authorized.

Cookies and Tracking

Like most websites, we use cookies—small text files stored on your device. They're not scary; they just help the platform remember you and work properly.

Essential Cookies

These keep you logged in and remember your preferences. Without them, our platform wouldn't function properly. They don't track you across other websites.

Analytics Cookies

These help us understand which features get used most and where people encounter problems. The data is aggregated and anonymized—we're looking at patterns, not individual behavior.

Managing Cookies

You can control cookies through your browser settings. Blocking essential cookies will prevent parts of our platform from working, but you can safely disable analytics cookies if you prefer.

International Data Transfers

Your data is primarily stored on servers located in Australia. Occasionally, some technical services we use may process data outside Australia.

When this happens, we ensure appropriate safeguards are in place through standard contractual clauses or by working with providers in countries recognized by the OAIC as having adequate data protection standards.

You won't find your financial models sitting on servers overseas without good reason and proper protection.

Children's Privacy

Our platform is designed for adults making financial decisions. We don't knowingly collect information from anyone under 18 years old.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately and we'll delete it.

Changes to This Policy

Privacy laws and our practices evolve. When we update this policy, we'll change the date at the top and notify you if the changes are significant.

Major changes will be communicated via email if you have an account with us. We'll never make substantial changes to how we handle your data without giving you notice and options.

We recommend checking this page occasionally, especially before providing new information or using new features.

Your Responsibilities

Privacy is a two-way street. While we protect your data, you also need to take reasonable precautions:

Keep your password secure and don't share it with anyone
Log out of your account when using shared or public computers
Review your financial models for accuracy—we store what you input
Contact us promptly if you suspect unauthorized access to your account
Keep your contact information current so we can reach you about security matters

Data Breach Response

In the unlikely event of a data breach that affects your personal information, we'll notify you and the OAIC as required by the Notifiable Data Breaches scheme under the Privacy Act.

You'll receive clear information about what happened, what data was affected, and what steps we're taking to address it. We'll also provide guidance on protecting yourself from potential harm.

Our incident response team monitors for security issues continuously and has protocols ready to act quickly if something goes wrong.

Questions About Privacy?

We're here to help if anything in this policy is unclear or if you want to exercise your privacy rights.

Email: info@luvexanora.com

Phone: +61 7 5524 1060

Mail: Telopea Park School Playing Fields, 10 New South Wales Crew, Griffith ACT 2603, Australia

We typically respond to privacy inquiries within 5 business days.

Ready to Start Modeling?

Now that you understand how we protect your information, explore our financial scenario tools and see what's possible.

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