Privacy Policy
Effective Date: 15 January 2026
At solunexira, we're serious about protecting your information. This isn't just legal boilerplate—it's how we actually handle your data when you use our seasonal financial planning services.
We've written this in plain language because privacy policies shouldn't require a law degree to understand. If something's still unclear after reading this, reach out to us.
Questions about your privacy? Contact our privacy team at help@solunexira.com or write to us at 2 Wharf Rd, Nowra NSW 2541, Australia. Phone: +61 2 6262 8108
What Information We Collect
Running a financial planning service means we need certain information to help you properly. Here's what we collect and why it matters:
Information You Give Us Directly
- Account Details: Your name, email address, phone number, and postal address when you create an account or contact us
- Financial Information: Income details, spending patterns, seasonal work arrangements, and financial goals you share during consultations
- Identification: Documents required under Australian financial services regulations (we're legally required to verify your identity)
- Payment Information: Credit card or bank account details processed through our secure payment partners
- Communications: Emails, messages, and notes from our conversations when you reach out for support
Information We Collect Automatically
- Technical Data: IP address, browser type, device information, and operating system
- Usage Patterns: Pages you visit, features you use, time spent on our platform, and how you navigate our services
- Location Data: General location based on IP address (not precise GPS tracking)
- Cookies: Small files that help us recognize you and remember your preferences
We don't collect information we don't need. If we ask for something, there's a specific reason tied to providing you better financial guidance.
How We Use Your Information
Every piece of data serves a purpose. We're not in the business of collecting information just to have it sitting around. Here's what we actually do with your data:
- Deliver Our Services: Create personalized seasonal financial plans, track your progress, and provide ongoing support tailored to your situation
- Process Payments: Handle transactions securely and maintain billing records as required by Australian tax law
- Communicate With You: Send service updates, respond to questions, and share relevant financial planning tips (only what you've agreed to receive)
- Improve Our Platform: Analyze how people use our services to fix issues and develop better tools
- Comply With Laws: Meet obligations under Australian Privacy Principles (APPs), financial services regulations, and tax requirements
- Protect Everyone: Detect fraud, prevent unauthorized access, and keep our platform secure
- Seasonal Planning: Understand patterns across different Australian seasons to provide better advice for clients with variable income
We analyze data in aggregate to spot trends—like how summer affects spending patterns across our client base. But this analysis never singles you out individually without your specific consent.
Legal Basis for Processing (Because We Have To Tell You This)
Australian privacy law requires us to have legitimate reasons for handling your data. Here's the legal framework:
| Legal Basis | What It Means | When We Use It |
|---|---|---|
| Consent | You've explicitly agreed | Marketing emails, optional data sharing, testimonials |
| Contract Performance | Necessary to deliver services you've paid for | Creating financial plans, account management, processing payments |
| Legal Obligation | Required by Australian law | Identity verification, tax records, financial services compliance |
| Legitimate Interest | Reasonable business needs that don't override your rights | Platform improvements, fraud prevention, service analytics |
Who We Share Your Information With
We're pretty protective of your data, but running a financial services business means working with some trusted partners. We don't sell your information to anyone—full stop.
Service Providers We Work With
- Payment Processors: Companies that handle credit card transactions securely (they never give us your full card details)
- Cloud Hosting: Australian-based servers where we store data securely
- Email Services: Platforms that help us send service notifications and communications you've requested
- Analytics Tools: Services that show us how people use our platform (they see anonymous aggregate data, not your personal details)
- Customer Support: Tools that help our team respond to your questions efficiently
Required Disclosures
Sometimes we're legally required to share information:
- Australian Taxation Office for tax compliance
- Financial regulators (ASIC, AUSTRAC) when legally required
- Law enforcement with valid legal requests
- Courts if compelled by legal proceedings
Every third party we work with signs contracts requiring them to protect your data with the same standards we use. If they don't meet our requirements, we don't work with them.
Your Privacy Rights
This is your data. You have real control over it, and we've made exercising these rights straightforward.
Access Your Data
Request a copy of everything we hold about you. We'll provide it in a readable format within 30 days.
Correct Information
Found something wrong? Tell us and we'll fix it immediately. You can update most details directly in your account.
Delete Your Data
Ask us to remove your information. We'll comply unless we're legally required to keep certain records.
Restrict Processing
Limit how we use your data while keeping your account active. Useful if you're disputing accuracy or taking a break.
Data Portability
Take your data elsewhere. We'll export it in a format you can use with other services.
Withdraw Consent
Change your mind about optional permissions anytime. Unsubscribe from emails, revoke data sharing—it's your call.
How to Exercise These Rights
Send an email to help@solunexira.com with your request. We'll verify your identity (to protect your data) and respond within 30 days. Most requests are free, though we might charge a reasonable fee for excessive or repetitive requests.
Not satisfied with our response? You can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
How We Protect Your Information
Security isn't just IT jargon—it's about keeping your financial data away from people who shouldn't have it.
Technical Safeguards
- Encryption: All data transmitted between you and our servers uses industry-standard TLS encryption
- Secure Storage: Data at rest is encrypted using AES-256 encryption on Australian-based servers
- Access Controls: Staff can only access information they need for their specific role
- Multi-Factor Authentication: Extra verification steps protect sensitive accounts
- Regular Security Audits: Independent experts test our systems quarterly
- Monitoring: Automated systems watch for suspicious activity 24/7
Organizational Measures
- All staff complete privacy and security training before accessing client data
- Confidentiality agreements with everyone who works with us
- Incident response plan ready if something goes wrong
- Regular backups stored securely in separate locations
No system is 100% hack-proof—anyone claiming otherwise is lying. But we've built multiple layers of protection and constantly update them as threats evolve.
How Long We Keep Your Data
We don't hoard information forever. Retention periods depend on why we collected the data and legal requirements.
| Data Type | Retention Period | Reason |
|---|---|---|
| Account Information | Duration of service plus 7 years | Australian tax and financial services record-keeping requirements |
| Financial Plans | 7 years after last update | Financial services compliance under ASIC regulations |
| Payment Records | 7 years from transaction date | Tax compliance (ATO requirement) |
| Marketing Consents | Until you withdraw consent | Ongoing permission to communicate |
| Support Communications | 3 years | Service quality and dispute resolution |
| Usage Analytics | 26 months in identifiable form | Platform improvement and security monitoring |
After retention periods expire, we securely delete or anonymize data so it can't be traced back to you. Some anonymized aggregate data might be kept longer for statistical purposes.
International Data Transfers
Your data primarily stays in Australia, but some of our service providers operate globally. When information leaves Australia, we ensure it's protected.
We only transfer data internationally when:
- The receiving country has privacy protections comparable to Australia's
- We've established specific contractual safeguards
- You've explicitly consented to the transfer
- It's necessary to provide services you've requested
Current international service providers include cloud infrastructure backup systems and some payment processing components. All operate under strict data protection agreements that meet Australian standards.
Cookies and Tracking
Cookies are small text files that help websites remember you. We use them, but you control how much tracking happens.
Types of Cookies We Use
- Essential Cookies: Required for the platform to work (login sessions, security features). You can't disable these without breaking functionality.
- Performance Cookies: Help us understand how people use our services. These are anonymous and aggregated.
- Preference Cookies: Remember your settings and choices so you don't have to re-enter them constantly.
We don't use advertising or third-party tracking cookies. Your browser settings let you block or delete cookies, though some site features might not work properly if you do.
Children's Privacy
Our services aren't designed for anyone under 18. We don't knowingly collect information from minors.
If you're a parent and believe your child has given us information, contact us immediately at help@solunexira.com. We'll delete it promptly.
Financial planning involves legally binding agreements and complex financial decisions that require adult understanding and consent.
Changes to This Policy
Privacy practices evolve as technology changes and regulations update. When we modify this policy, we'll let you know.
For minor changes (clarifications, updated contact details), we'll post the new version with an updated effective date.
For significant changes (new data uses, different sharing practices), we'll email you directly at least 30 days before changes take effect. You'll have time to review and decide whether to continue using our services.
Continued use after notification means you accept the updated terms. If you disagree with changes, you can close your account—though we'd be sorry to see you go.
Australian Privacy Principles Compliance
This privacy policy is designed to comply with the Australian Privacy Principles (APPs) under the Privacy Act 1988. We're committed to:
- Open and transparent management of personal information
- Giving you access to your information and the ability to correct it
- Collecting information only when necessary and lawful
- Using and disclosing information only for stated purposes
- Maintaining data quality and security
- Providing clear information about how we handle data
We regularly review our practices against APP requirements and update procedures to maintain compliance as regulations evolve.