Introduction and Scope

luxarifylo Financial Services ("luxarifylo", "we", "us", or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect information about you when you visit our website, use our working capital analysis services, or interact with us in any other way.

This policy applies to all personal information we collect from individuals in Australia and internationally. We comply with the Australian Privacy Principles under the Privacy Act 1988 (Cth) and applicable international privacy laws where relevant.

Information We Collect

We collect various types of information to provide and improve our financial analysis services. The information we collect falls into several categories:

How We Collect Information

• Directly from you when you contact us or request services
• Through our website using cookies and similar technologies
• From publicly available sources and industry databases
• Through third-party service providers working on our behalf
• During the course of providing financial analysis services
• From referrals and business partners with your consent

How We Use Your Information

We use the information we collect for legitimate business purposes, including:

• Providing working capital analysis and financial consultation services
• Communicating with you about our services and your account
• Processing and responding to your inquiries and requests
• Improving our website functionality and user experience
• Developing new services and enhancing existing offerings
• Complying with legal obligations and regulatory requirements
• Protecting our business interests and preventing fraud
• Conducting market research and business analysis
• Maintaining accurate records for professional standards

We process your personal information based on various legal grounds under Australian privacy law, including your consent, performance of contracts, compliance with legal obligations, and our legitimate business interests.

Information Sharing and Disclosure

We take your privacy seriously and do not sell your personal information to third parties. However, we may share your information in certain circumstances:

Authorized Disclosures

• With your explicit consent or as directed by you
• To professional service providers working under confidentiality agreements
• When required by law, court order, or regulatory authorities
• To protect our rights, property, or safety, or that of others
• In connection with business transfers or restructuring
• To professional advisors bound by confidentiality obligations

Service Providers

We work with trusted third-party service providers who assist us in delivering our services. These providers include cloud storage companies, IT support services, communication platforms, and professional advisors. All service providers are contractually bound to protect your information and use it only for authorized purposes.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We respect these rights and provide clear procedures for exercising them:

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within 30 days and may require identity verification to protect your information.

Data Security and Protection

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include:

• Encryption of data in transit and at rest using industry-standard protocols
• Regular security assessments and vulnerability testing
• Access controls limiting information access to authorized personnel only
• Employee training on privacy and data protection requirements
• Secure backup systems and disaster recovery procedures
• Regular monitoring of our systems for suspicious activity
• Compliance with Australian and international security standards

While we use reasonable efforts to protect your information, no security system is completely foolproof. We encourage you to use strong passwords and keep your login credentials confidential.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Our retention periods vary depending on the type of information:

Retention Periods

• Client relationship data: 7 years after service completion
• Financial analysis records: 7 years per regulatory requirements
• Website usage data: 2 years unless longer retention is required
• Marketing communications: Until you opt out or 3 years of inactivity
• Complaint records: 7 years after resolution
• Employment records: As required by employment law

When information is no longer needed, we securely delete or anonymize it according to our data destruction procedures. Some information may be retained longer if required by law or for legitimate business purposes.

International Data Transfers

As a business operating in the global economy, we may occasionally transfer personal information outside Australia to provide our services effectively. When we do so, we ensure appropriate safeguards are in place:

• Transfers only to countries with adequate privacy protections
• Contractual agreements requiring equivalent privacy standards
• Your explicit consent when required by law
• Compliance with cross-border privacy regulations
• Regular assessment of international privacy requirements

We primarily store and process data within Australia using Australian service providers. Any international transfers are carefully evaluated and documented according to privacy law requirements.

Cookies and Website Technologies

Our website uses cookies and similar technologies to enhance user experience and analyze website performance. These technologies help us understand how visitors interact with our site and improve our services.

Types of Cookies We Use

• Essential cookies: Required for website functionality and security
• Performance cookies: Help us analyze website usage and improve performance
• Functionality cookies: Remember your preferences and settings
• Marketing cookies: Used to deliver relevant content and measure campaign effectiveness

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality. We respect "Do Not Track" signals where technically feasible.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we will:

• Update the "last modified" date at the top of this policy
• Notify active clients via email when material changes occur
• Post notices on our website highlighting important updates
• Provide reasonable notice before changes take effect
• Offer opportunity to review and accept updated terms

We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information. Continued use of our services after policy updates constitutes acceptance of the revised terms.

Children's Privacy

Our services are designed for business use and are not intended for children under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete such information promptly.

Parents or guardians who believe their child has provided personal information to us should contact us immediately using the contact details provided below.