What Information We Collect

We collect different types of information depending on how you interact with our services. Some you give us directly, and some we gather automatically as you use our platform.

Personal Information You Provide

Information We Collect Automatically

When you visit our website or use our services, we automatically gather some technical information. This helps us improve your experience and keep things running smoothly.

How We Use Your Information

We're not in the business of collecting data for the sake of it. Everything we gather serves a specific purpose related to providing better financial decision-making tools.

Sharing Your Information

There are limited situations where we share your information with others. We're selective about this and only work with parties who respect privacy as much as we do.

Service Providers

We work with trusted third-party companies that help us run our business. These include payment processors, email service providers, and hosting companies. They only get access to the information they need to do their job, and they're contractually obligated to keep it secure.

Legal Requirements

Sometimes Australian law requires us to disclose information. This might happen if we receive a valid subpoena, court order, or if we need to cooperate with law enforcement. We'll only share what's legally required and nothing more.

Business Transfers

If fervosio is acquired by another company or merges with one, your information would likely be transferred as part of that transaction. We'd notify you beforehand and explain any changes to how your data is handled.

With Your Consent

In any other situation, we'll ask your permission before sharing your information with anyone else.

Your Rights Under Australian Law

The Australian Privacy Principles give you specific rights regarding your personal information. Here's what you can do and how to do it.

Access Your Information

You can request a copy of all the personal information we hold about you. We'll provide this within 30 days, free of charge for the first request. If you make multiple requests in a short period, we might charge a reasonable administrative fee.

Correct Your Information

If something we have on file is wrong or outdated, let us know. You can update most information directly through your account settings. For other changes, just send us an email at help@fervosio.com.

Delete Your Information

You can ask us to delete your account and personal information at any time. We'll do this within 30 days, though we might need to keep some records for legal or accounting purposes. We'll be transparent about what we keep and why.

Object to Processing

If you disagree with how we're using your information, you can object. We'll review your concerns and either stop that processing or explain why we need to continue under Australian law.

Lodge a Complaint

If you're not satisfied with how we handle your privacy, you can complain to us directly. We'll investigate and respond within 30 days. If you're still unhappy, you have the right to contact the Office of the Australian Information Commissioner.

How We Protect Your Information

Security isn't just a checkbox for us. We've implemented multiple layers of protection to keep your information safe from unauthorized access, theft, or misuse.

That said, no system is completely impervious to attack. We do our best to protect your information, but we can't guarantee absolute security. If we ever experience a data breach that affects your information, we'll notify you as required by Australian law.

Data Retention

We don't keep your information forever. Here's how long we typically retain different types of data and why.

Active Account Data

While your account is active, we keep all your information to provide our services. This includes your profile, financial data you've shared, and usage history.

After Account Closure

When you close your account, we delete most of your information within 90 days. Some data needs to stick around longer for legal reasons – like transaction records for tax purposes, which we're required to keep for seven years under Australian law.

Marketing Communications

If you unsubscribe from our marketing emails, we'll remove you from those lists immediately. We'll keep a record that you opted out so we don't accidentally email you again.

Analytics Data

Aggregated, anonymized analytics data (which can't identify you personally) may be retained indefinitely to help us understand long-term trends and improve our services.

Cookies and Tracking

Like most websites, we use cookies and similar technologies. These are small files stored on your device that help us remember your preferences and understand how you use our site.

Essential Cookies

Some cookies are necessary for our website to function. These handle things like keeping you logged in and remembering items in your cart. You can't disable these without breaking the site.

Analytics Cookies

We use analytics tools to understand which features people use most and where they get stuck. This helps us make informed decisions about improvements. These cookies don't identify you personally – they just track general patterns.

Preference Cookies

These remember your choices, like whether you prefer dark mode or which currency you want to see. They make your experience more personalized and convenient.

Managing Cookies

You can control cookies through your browser settings. Most browsers let you block or delete cookies, though this might affect how our site works. Check your browser's help section for specific instructions.

Third-Party Links

Our website might include links to external sites – banks, investment platforms, or educational resources. Once you click through to another site, this privacy policy no longer applies.

We try to link only to reputable organizations, but we can't control their privacy practices. We recommend reading their privacy policies before sharing any personal information.

Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect information from children. If you're a parent and believe your child has provided us with personal information, please contact us immediately. We'll delete it promptly.

Changes to This Policy

We update this privacy policy occasionally as our practices evolve or laws change. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The "Last Updated" date at the top of this page shows when we most recently revised the policy. We encourage you to review it periodically, especially if you haven't checked in for a while.

Continuing to use our services after changes take effect means you accept the updated policy. If you don't agree with changes, you can close your account before they become effective.

International Data Transfers

Your information is primarily stored on servers in Australia. However, some of our service providers operate internationally, which means your data might occasionally be processed in other countries.

When we transfer data overseas, we ensure the recipient country has adequate privacy protections or we use contractual safeguards to protect your information. We won't transfer your data anywhere that doesn't provide a reasonable level of protection.