When you engage with fyranclovia's savings planning services, we collect specific information to provide you with personalized financial guidance and secure account management.

Personal Information

• Full name, date of birth, and contact details including email address and phone number
• Residential address and postal information for account verification
• Financial information necessary for savings plan recommendations and account setup
• Employment details and income information to assess suitable savings strategies
• Banking details for direct deposits and automated savings transfers

Automatically Collected Information

Our website and mobile applications automatically gather technical data including IP addresses, browser types, device information, and usage patterns. We use cookies and similar tracking technologies to enhance your experience and provide relevant content. You can control cookie preferences through your browser settings.

Your personal information serves specific purposes related to delivering effective savings planning services and maintaining the security of your accounts.

Purpose	Information Used	Legal Basis
Account creation and management	Contact details, identification documents	Contract performance
Savings plan recommendations	Financial information, income details	Contract performance
Security and fraud prevention	Device information, usage patterns	Legitimate interests
Customer support	Contact information, account history	Contract performance
Regulatory compliance	All collected information as required	Legal obligation

We analyze aggregated, non-identifiable data to improve our services and develop new savings products that better serve our customers' needs. This analysis helps us understand market trends and customer preferences without compromising individual privacy.

fyranclovia maintains strict controls over how your personal information is shared. We only disclose your data in specific circumstances outlined below.

Authorized Third Parties

• Banking partners for processing savings transfers and maintaining accounts
• Identity verification services to comply with Australian financial regulations
• Cloud hosting providers who maintain our secure infrastructure in Australia
• Customer support platforms that help us respond to your inquiries efficiently
• Accounting firms for financial record keeping and compliance purposes

Legal Requirements

We may disclose your information when required by Australian law, including responses to court orders, subpoenas, or requests from government agencies. We also share information when necessary to protect our legal rights, prevent fraud, or ensure the safety of our customers and staff.

Protecting your financial information is our top priority. We've implemented multiple layers of security to safeguard your personal data from unauthorized access, alteration, or disclosure.

Technical Safeguards

All data transmissions use industry-standard SSL encryption with 256-bit encryption protocols. Our servers are hosted in secure Australian data centers with 24/7 monitoring, biometric access controls, and redundant backup systems. We regularly conduct penetration testing and security audits to identify and address potential vulnerabilities.

Access Controls

Employee access to customer information is restricted based on job requirements and regularly reviewed. All staff undergo background checks and receive ongoing privacy and security training. We maintain detailed access logs and monitor all data handling activities.

Data Backup and Recovery

Your information is backed up daily to geographically separate locations within Australia. Our disaster recovery procedures ensure data availability and integrity even in the event of system failures or natural disasters. All backups are encrypted and tested regularly for reliability.

Under Australian privacy laws, you have significant rights regarding your personal information. We're committed to helping you exercise these rights effectively.

• Access your personal information and understand how it's being used
• Request corrections to inaccurate or incomplete information
• Ask us to delete your personal information when it's no longer needed
• Restrict processing of your information in certain circumstances
• Receive a copy of your data in a portable format
• Object to certain types of data processing
• Withdraw consent for processing based on consent

How to Exercise Your Rights

To make a privacy request, contact our Privacy Officer at help@fyranclovia.com or call +61240170230. Include your full name, account details, and specific request. We'll respond within 30 days and may need to verify your identity before processing certain requests.

Some limitations may apply - for example, we must retain certain financial records for regulatory compliance even if you request deletion. We'll explain any limitations and provide alternatives when possible.

We retain your personal information only as long as necessary to provide services, comply with legal obligations, and resolve any disputes that may arise.

Retention Periods

Information Type	Retention Period	Reason
Account and transaction records	7 years after account closure	Australian financial regulations
Identity verification documents	7 years after last transaction	Anti-money laundering compliance
Marketing preferences	Until you withdraw consent	Ongoing service provision
Website usage data	24 months maximum	Service improvement
Customer support records	3 years from last contact	Quality assurance

When retention periods expire, we securely delete or anonymize your information using industry-standard data destruction methods. Electronic files are overwritten multiple times, and physical documents are shredded by certified destruction services.

fyranclovia primarily processes and stores your information within Australia. However, some of our service providers may be located overseas, particularly for cloud infrastructure and specialized software services.

Overseas Processing

When we transfer data internationally, we ensure adequate protection through legal mechanisms such as Standard Contractual Clauses or by partnering with companies in countries with adequate privacy protections as recognized by Australian law.

Current overseas data processing occurs in:

• United States (cloud hosting services with Australian data residency options)
• European Union (specialized financial software providers)
• New Zealand (backup and disaster recovery services)

We review and update this privacy policy annually or when significant changes occur to our data handling practices. Changes reflect evolving privacy laws, new service features, or improvements to our security measures.

Notification Process

When we make material changes to this policy, we'll notify you by email at least 30 days before the changes take effect. We'll also post updates on our website and may provide in-app notifications for significant changes that affect how we handle your information.

Minor updates like contact information changes or clarifications to existing practices will be posted on our website with an updated "Last Modified" date. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

If you disagree with policy changes, you can contact us to discuss your concerns or close your account before the changes become effective. Continued use of our services after the effective date means you accept the updated terms.