Privacy Policy
Last Updated: March 15, 2025
Introduction
At lianovisxo, we understand that managing financial stress requires trust. When you share your financial concerns with us, you're placing confidence in our ability to protect your personal information. This privacy policy explains exactly how we collect, use, store, and safeguard your data while providing financial stress management services in Australia.
We're committed to transparency about our data practices. This document outlines your rights under Australian privacy legislation, including the Privacy Act 1988 and the Australian Privacy Principles (APPs), and explains how we comply with these requirements.
Information We Collect
Personal Information
We collect information that helps us understand your financial situation and provide appropriate guidance. This includes:
- Contact details (name, email, phone, postal address)
- Financial information you choose to share (income ranges, debt concerns, spending patterns)
- Demographic information (age group, employment status, family situation)
- Communication records (emails, chat transcripts, session notes)
- Account information (login details, service preferences, progress tracking)
Technical Information
Our website automatically collects certain technical data to improve your experience:
- IP address and location data (city/state level)
- Browser type, device information, operating system
- Website usage patterns (pages visited, time spent, click behavior)
- Cookie data and session information
- Referral sources and marketing campaign interactions
Important Note About Sensitive Information
We never collect or store specific account numbers, passwords, or detailed transaction histories. Our financial stress management approach focuses on patterns and general situations rather than accessing your actual financial accounts.
How We Use Your Information
| Purpose | Information Used | Legal Basis |
|---|---|---|
| Service Delivery | Personal and financial information | Contract performance |
| Communication | Contact details, preferences | Legitimate interest |
| Website Improvement | Technical data, usage patterns | Legitimate interest |
| Marketing Communications | Contact details, service history | Consent (opt-in required) |
| Legal Compliance | All collected information as required | Legal obligation |
We use your information to create personalized financial stress management plans, provide ongoing support, and help you develop healthier financial habits. Our team analyzes patterns in your information to offer relevant resources and strategies.
Data Sharing and Disclosure
Service Providers
We work with carefully selected third-party providers to deliver our services effectively. These include:
- Cloud hosting services (AWS Australia, located in Sydney)
- Communication platforms (email delivery, chat systems)
- Analytics providers (website performance, user experience)
- Payment processors (secure transaction handling)
- Customer support tools (helpdesk systems, feedback collection)
Professional Partners
In some cases, we may refer clients to qualified financial counselors or advisors. When we do, we only share information with your explicit consent and ensure these professionals meet Australian regulatory requirements.
Data Stays in Australia
All personal information is stored on servers located within Australia. We don't transfer personal data overseas unless legally required or with your explicit consent for specific services.
Your Privacy Rights
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this within 30 days at no cost for reasonable requests.
Correct Information
Update or correct any inaccurate personal information. You can do this through your account or by contacting us directly.
Delete Your Data
Request deletion of your personal information, subject to legal retention requirements and ongoing service needs.
Restrict Processing
Limit how we use your information while maintaining essential service functionality and legal compliance.
Data Portability
Receive your data in a structured format that you can transfer to another service provider if desired.
Withdraw Consent
Opt out of marketing communications and non-essential data processing activities at any time.
How to Exercise Your Rights
To make any privacy-related request, email us at contact@lianovisxo.world with "Privacy Request" in the subject line. Include your full name, contact details, and specific request. We'll verify your identity and respond within 30 days.
If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.
Data Security and Protection
We implement multiple layers of security to protect your information:
Encryption
All data is encrypted in transit using TLS 1.3 and at rest using AES-256 encryption. Our databases use end-to-end encryption with regularly rotated keys.
Access Controls
Staff access is limited based on job requirements. All team members undergo background checks and privacy training. Access logs are monitored and audited regularly.
Infrastructure Security
Our systems include firewalls, intrusion detection, automated security updates, and regular vulnerability assessments. We maintain SOC 2 Type II compliance.
Incident Response
We have detailed procedures for identifying, containing, and responding to security incidents. Affected users are notified within 72 hours if required by law.
Data Retention
We retain your information only as long as necessary to provide services and meet legal obligations:
| Data Type | Retention Period | Reason |
|---|---|---|
| Active account data | Duration of service + 2 years | Service delivery, support |
| Communication records | 5 years | Legal compliance, dispute resolution |
| Financial records | 7 years | Tax and regulatory requirements |
| Marketing data | Until consent withdrawn | Ongoing communication consent |
| Website analytics | 26 months | Service improvement |
When retention periods expire, we securely delete information using DoD-approved data destruction methods. You can request earlier deletion subject to legal and operational requirements.
Cookies and Tracking
Our website uses cookies to enhance functionality and understand user behavior. We categorize cookies as follows:
- Essential Cookies: Required for basic website function (login, security, preferences)
- Analytics Cookies: Help us understand website usage and improve user experience
- Marketing Cookies: Track campaign effectiveness and personalize content (consent required)
- Functional Cookies: Remember your preferences and settings across visits
You can manage cookie preferences through your browser settings or our cookie consent tool. Note that disabling essential cookies may affect website functionality.
Children's Privacy
Our services are designed for adults managing their financial situation. We don't knowingly collect information from anyone under 18 years of age. If we discover we've inadvertently collected such information, we'll delete it immediately and notify the parent or guardian if possible.
Parents or guardians who believe their child has provided personal information to us should contact us immediately at contact@lianovisxo.world.
Changes to This Policy
We review and update this privacy policy annually or when significant changes occur to our practices. Major changes will be communicated via email and prominently displayed on our website for at least 30 days before taking effect.
Minor updates (such as contact information changes or clarifications) will be posted directly to this page with an updated "Last Modified" date.
Continued use of our services after policy changes indicates acceptance of the updated terms.
Privacy Questions or Concerns?
Privacy Officer
lianovisxo Financial Stress Management
Unit 51/L1, 188 Newcastle Street
Perth WA 6003, Australia
Email: contact@lianovisxo.world
Phone: +61 7 4051 2585
We aim to respond to all privacy inquiries within 5 business days. For urgent matters, please call during business hours (9 AM - 5 PM AWST, Monday to Friday).