Privacy Policy

1. Information We Collect

Personal Details You Give Us

When you sign up or use our platform, you'll provide things like your name, email, phone number, and residential address. For investment purposes, we also need to verify your identity—so we'll ask for government-issued ID, tax file numbers, and proof of address documents.

Financial Information

Since we're dealing with investments, we collect bank account details, transaction history, investment preferences, and risk assessment data. This helps us tailor our services to what actually suits you—not what we think might work.

Technical Data

Like most websites, we automatically gather some technical information: IP addresses, browser types, device identifiers, and how you navigate through our site. We use cookies and similar tracking tech, but you can control those through your browser settings.

2. How We Use Your Information

We're not in the business of collecting data just for the sake of it. Everything we gather serves a specific purpose:

• Processing your investment transactions and managing your account
• Meeting legal obligations under Australian financial services regulations
• Verifying your identity to prevent fraud and money laundering
• Sending you important updates about your investments or changes to our services
• Improving our platform based on how people actually use it
• Providing customer support when you need help
• Conducting risk assessments to ensure suitable investment recommendations

3. Sharing Your Information

We don't sell your data. Period. But we do need to share certain information with specific parties to make our service work:

Service Providers

Third-party companies help us with payment processing, identity verification, cloud storage, and customer support systems. They're bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.

Financial Institutions

Banks and investment platforms need certain details to process your transactions. We share only what's necessary—nothing more.

Legal Requirements

Sometimes we're legally required to disclose information to ASIC, the ATO, or law enforcement agencies. This typically happens for tax reporting, fraud investigations, or compliance audits. We'll notify you when legally permitted to do so.

Business Transfers

If Kamirya Kamilia Netflux merges with another company or sells assets, your information might be transferred. We'd notify you beforehand and ensure the new entity respects your privacy rights.

4. Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do:

Access Your Data

You can request a copy of the personal information we hold about you. We'll provide this within 30 days, though we might charge a reasonable fee if your request is particularly complex or voluminous.

Correct Inaccuracies

Found something wrong? Let us know and we'll fix it. Accurate records matter—especially when it comes to investments.

Request Deletion

You can ask us to delete your data, but there's a catch: we're legally required to keep certain financial records for seven years. Where we can delete information, we will. Where we can't, we'll explain why.

Restrict Processing

In some situations, you can ask us to limit how we use your data. This might apply if you're disputing the accuracy of your information or questioning whether we actually need it.

5. Data Security

Keeping your information secure isn't optional—it's fundamental. We use industry-standard security measures, but let's be honest: no system is completely impenetrable.

Technical Safeguards

• 256-bit SSL encryption for all data transmitted between your device and our servers
• Encrypted storage for sensitive personal and financial information
• Multi-factor authentication options for account access
• Regular security audits and penetration testing
• Strict access controls—only authorized personnel can view your data

Physical Security

Our servers are housed in secure data centers with 24/7 monitoring, biometric access controls, and redundant power systems. These facilities meet Australian standards for data storage.

What You Should Do

Security is a two-way street. Use a strong, unique password for your account. Don't share your login credentials with anyone. Log out when using shared devices. And if something seems off—maybe you notice unusual account activity—contact us immediately.

6. Data Retention

We don't keep your information forever. Different types of data have different retention periods based on legal requirements and practical necessity:

• Investment records: 7 years after the transaction (required by Australian financial regulations)
• Identity verification documents: 7 years after account closure
• Communication records: 3 years for support and dispute resolution purposes
• Marketing data: Until you unsubscribe or request deletion
• Technical logs: 12 months for security and troubleshooting

After these periods, we securely delete or anonymize your data. Sometimes we retain anonymized information for statistical purposes—but it can't be linked back to you personally.

7. Cookies and Tracking

Our website uses cookies—small text files stored on your device. They help us recognize you, remember your preferences, and understand how people use our platform.

Types of Cookies We Use

• Essential cookies: Necessary for the website to function. You can't really disable these if you want to use our service.
• Performance cookies: Help us see which pages are most popular and how visitors navigate the site. This data is aggregated and anonymous.
• Functionality cookies: Remember your preferences like language settings or display options.
• Analytics cookies: We use these to improve our service based on user behavior patterns.

You can control cookies through your browser settings. Just know that disabling certain cookies might limit your ability to use some features of our platform.

8. International Data Transfers

Most of your data stays in Australia. But some of our service providers operate globally, which means your information might occasionally be transferred overseas—typically to secure data centers in the United States or Europe.

When this happens, we ensure these providers maintain privacy standards comparable to Australia's laws. We use contractual safeguards and only work with companies that take data protection seriously.

If you're accessing our services from outside Australia, your data will be transferred to and processed in Australia, where our primary systems are located.

9. Children's Privacy

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

10. Changes to This Policy

Privacy laws evolve. Our business changes. Sometimes we need to update this policy to reflect new practices or legal requirements.

When we make significant changes, we'll notify you via email or through a prominent notice on our website. The "Last Updated" date at the top tells you when this policy was most recently revised.

We encourage you to review this policy periodically. Continued use of our services after changes means you accept the updated terms.

11. Complaints and Disputes

If you have concerns about how we handle your personal information, we want to hear about it. Most privacy issues can be resolved through direct communication.

Internal Complaint Process

Send your complaint to [email protected] with details about your concern. We'll acknowledge receipt within 3 business days and provide a full response within 30 days.

External Resolution

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're an independent body that investigates privacy complaints. You can reach them at oaic.gov.au or by calling 1300 363 992.