lumetariqo Financial Analysis operates under Australian privacy legislation, including the Privacy Act 1988 and Australian Privacy Principles. We're committed to handling your personal information responsibly and transparently.

This policy explains our practices regarding personal information collection, use, disclosure, and storage. When you engage with our financial statement analysis services, you're trusting us with sensitive business information. We don't take that responsibility lightly.

Our privacy approach balances your need for confidentiality with our ability to deliver comprehensive financial analysis services. We collect only what's necessary, use it purposefully, and protect it diligently.

We collect various types of information to provide our financial analysis services effectively. The information we gather falls into several categories, each serving specific purposes in our service delivery.

Collection Methods

We collect information through direct interactions (forms, emails, consultations), document uploads, website usage tracking, and third-party integrations where you've provided consent. We always inform you when information is being collected and explain why we need it.

Your information serves specific purposes in our service delivery. We don't use personal information for purposes beyond what's necessary for providing financial analysis services or what you've specifically consented to.

Primary Uses

• Conducting comprehensive financial statement analysis and generating detailed reports
• Providing personalized recommendations based on your business's financial position
• Communicating analysis results, insights, and follow-up services
• Maintaining secure client records and service history
• Processing payments and managing billing for our services
• Responding to inquiries and providing customer support

Secondary Uses

We may also use aggregated, anonymized data to improve our analysis methodologies, develop new service features, and conduct research into financial trends. Individual client information is never identifiable in these uses.

Marketing communications are sent only to clients who have opted in, and you can withdraw consent at any time. We don't sell your information to third parties or use it for purposes unrelated to our financial services.

We maintain strict controls over information sharing. Your financial information is confidential, and we limit disclosure to specific circumstances where sharing is necessary for service delivery or legally required.

Authorized Sharing

• With your explicit written consent for specific purposes you've approved
• To trusted service providers who assist in delivering our analysis services (cloud storage, technical support)
• When legally required by Australian regulatory authorities or court orders
• To protect our legal rights or investigate suspected fraud or security breaches

Service Provider Standards

Third-party providers who handle your information are bound by confidentiality agreements and must meet our security standards. They're prohibited from using your information for their own purposes and must delete it when services are completed.

We conduct regular audits of service providers to ensure compliance with privacy requirements. Any data processing outside Australia is subject to additional safeguards and your explicit consent.

Financial information requires robust protection. We implement multiple layers of security to safeguard your data against unauthorized access, disclosure, alteration, or destruction.

Technical Safeguards

• 256-bit SSL encryption for all data transmission between your devices and our systems
• Advanced encryption for data storage with regularly updated security keys
• Multi-factor authentication for all staff accessing client information
• Regular security audits and vulnerability assessments by independent experts
• Automated backup systems with secure offsite storage and recovery procedures

Operational Security

Our team undergoes regular privacy and security training. Access to client information is limited to staff who need it for service delivery, and all access is logged and monitored.

We maintain incident response procedures for potential security breaches, including immediate containment, investigation, and notification processes as required by Australian privacy laws.

Under Australian privacy law, you have several rights regarding your personal information. We're committed to making these rights meaningful and accessible.

Exercising Your Rights

To exercise any of these rights, contact us using the details provided below. We'll respond within 30 days and may need to verify your identity to protect your information from unauthorized access.

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, or resolve disputes.

Retention Periods

• Active client records: Retained during service period plus 7 years for financial record requirements
• Financial analysis documents: 7 years from completion as required by Australian business record laws
• Communication records: 3 years from last contact for service continuity
• Website usage data: 2 years for analytics and service improvement
• Marketing preferences: Until you withdraw consent or request removal

Secure Deletion

When retention periods expire, we securely delete personal information using industry-standard data destruction methods. Backup copies are also systematically purged according to our data lifecycle policies.

Our website uses cookies and similar technologies to enhance your experience and analyze usage patterns. You control cookie preferences through your browser settings.

Cookie Types

• Essential cookies: Required for basic website functionality and security
• Performance cookies: Help us understand how visitors use our site to improve user experience
• Functional cookies: Remember your preferences and customization choices
• Analytics cookies: Provide insights into website usage and popular content

We don't use advertising cookies or share cookie data with advertising networks. Third-party cookies are limited to essential services like secure payment processing.

Managing Cookies

You can control cookies through your browser settings, though disabling certain cookies may affect website functionality. We provide clear information about cookie purposes and obtain consent where required.

We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. Material changes will be communicated clearly and in advance.

Notification Process

When we make significant changes, we'll notify you by email (for existing clients) and prominently display the updated policy on our website. The effective date of changes will be clearly indicated.

Continued use of our services after policy changes indicates acceptance of the new terms. If you disagree with changes, you can contact us to discuss how they affect your existing service arrangements.

Version History

Previous versions of our privacy policy are available upon request. We maintain records of policy changes to ensure transparency and accountability in our privacy practices.