harmonexyvia collects various types of information to provide you with comprehensive financial milestone planning services. We're transparent about what we collect and why.

• Personal identification details including full name, date of birth, and contact information
• Financial information such as income details, expenses, and current financial commitments
• Goal-related data including your financial objectives, timelines, and risk tolerance
• Technical information like IP addresses, browser types, and device identifiers
• Usage data showing how you interact with our platform and services
• Communication records including emails, chat logs, and support interactions

Your information helps us deliver personalized financial planning services that align with your unique circumstances and goals. Every piece of data serves a specific purpose in enhancing your experience.

• Creating customized financial milestone plans based on your specific situation
• Providing ongoing progress tracking and adjustment recommendations
• Sending relevant educational content and market insights
• Improving our platform functionality and user experience
• Ensuring account security and preventing fraudulent activities
• Complying with Australian financial services regulations and reporting requirements

We never use your information for purposes beyond what's necessary for providing our services or what you've explicitly consented to. Marketing communications are always optional, and you can opt out at any time.

harmonexyvia operates on a principle of minimal data sharing. We only share your information when it's essential for service delivery, legally required, or with your explicit permission.

• Service providers who help us deliver our platform functionality (cloud hosting, payment processing)
• Financial institutions when facilitating account connections or transactions you've authorized
• Professional advisors including lawyers and auditors for compliance purposes
• Regulatory authorities when required by Australian financial services laws
• Law enforcement agencies when legally compelled by valid court orders

We will never sell your personal information to marketers, data brokers, or any other commercial entities. Your financial data is particularly sensitive, and we treat it with the highest level of security and discretion.

Under Australian privacy law, you have comprehensive rights regarding your personal information. We've designed simple processes to help you exercise these rights effectively.

To exercise any of these rights, simply contact our privacy team using the details below. We'll verify your identity and process your request promptly. There's no charge for reasonable requests, though we may apply fees for excessive or repetitive requests.

Protecting your financial information is our top priority. We employ multiple layers of security controls designed to prevent unauthorized access, use, or disclosure of your data.

• End-to-end encryption for all data transmission and storage
• Multi-factor authentication requirements for account access
• Regular security assessments and penetration testing
• Restricted employee access based on job requirements
• Secure cloud infrastructure with Australian data residency
• Automated monitoring for suspicious activities and access attempts

Despite our robust security measures, no system is completely immune to threats. If we ever experience a data breach that affects your information, we'll notify you within 72 hours and provide clear guidance on protective steps you can take.

We retain your information only as long as necessary to provide our services and meet legal obligations. Different types of data have different retention periods based on their purpose and regulatory requirements.

• Active account data: Retained while your account remains active
• Financial planning records: Kept for seven years after account closure (Australian regulatory requirement)
• Communication logs: Stored for three years for service improvement purposes
• Technical logs: Deleted automatically after 12 months unless needed for security investigations
• Marketing preferences: Removed immediately upon unsubscribing

When data reaches its retention limit, we securely delete it using industry-standard data destruction methods. This includes physical destruction of storage media and cryptographic erasure of cloud-based data.

While we primarily store data within Australia, some of our technology partners operate globally. When international transfers occur, we ensure your information receives equivalent protection through appropriate safeguards.

• Standard contractual clauses approved by Australian privacy regulators
• Adequacy decisions recognizing equivalent privacy protections in destination countries
• Binding corporate rules for multinational service providers
• Regular compliance audits of international partners

You have the right to object to international transfers of your data. Contact us if you have concerns about where your information is processed, and we'll work with you to find suitable alternatives.

We review and update this privacy policy regularly to reflect changes in our services, technology, and legal requirements. Material changes will be communicated clearly and with appropriate notice.

For significant modifications that affect how we use your information, we'll provide at least 30 days' notice via email and prominent website notifications. You'll have the opportunity to review changes and adjust your privacy preferences accordingly.

Continued use of our services after policy updates indicates your acceptance of the changes. If you disagree with modifications, you can exercise your right to delete your account and data.