1. Information We Collect

The information we gather depends on how you use our services. We only collect what's necessary to provide you with accurate financial modeling and support.

Personal Information

When you create an account or contact us, we collect:

• Your name and email address
• Phone number (if you provide it)
• Business or organization details
• Location data (limited to state/territory level for compliance purposes)

Financial Modeling Data

When you use our scenario modeling tools, we process:

• Financial parameters and assumptions you input
• Scenario configurations and saved models
• Analysis results and reports you generate
• Usage patterns to improve our algorithms

Technical Information

Our systems automatically collect certain technical data:

• IP address and browser type
• Device information and operating system
• Page views and navigation patterns
• Session duration and interaction timestamps

2. How We Use Your Information

We use the data we collect to deliver and improve our services. Here's what that actually means in practice:

3. Data Storage and Security

Your information is stored on secure servers located in Australia. We use industry-standard encryption both in transit and at rest.

Security Measures

• AES-256 encryption for sensitive data
• Regular security audits and penetration testing
• Multi-factor authentication options
• Access controls limiting who can view your data internally
• Automated backup systems with encryption

Despite our best efforts, no system is completely secure. If we detect a data breach that affects you, we'll notify you within 72 hours as required by Australian law.

4. Sharing Your Information

We limit data sharing to essential service providers who help us operate the platform. These partners are bound by strict confidentiality agreements.

Service Providers

We work with trusted third parties for:

• Cloud hosting infrastructure (AWS Sydney region)
• Email delivery services
• Payment processing (when applicable)
• Analytics tools for platform performance

Legal Requirements

We may disclose your information if required by Australian law, court order, or regulatory authority. We'll resist overly broad requests and notify you when legally permitted.

5. Your Rights and Choices

Under Australian Privacy Principles, you have several rights regarding your personal information:

Access and Correction

You can request a copy of all personal data we hold about you. If something's incorrect, we'll fix it promptly. Just email us at info@zaraqosent.com with your request.

Data Portability

You can export your financial models and data in common formats (CSV, JSON, PDF). This feature is available in your account settings.

Deletion Rights

You can request deletion of your account and associated data. We'll process this within 30 days, though some information may be retained for legal compliance (usually 7 years for financial records in Australia).

6. Data Retention

We keep your information only as long as necessary for the purposes outlined in this policy:

• Active account data: retained while your account is active
• Financial models: stored until you delete them or close your account
• Communications: kept for 3 years for customer service purposes
• Transaction records: 7 years (Australian tax law requirement)
• Technical logs: 90 days for security and debugging

After these periods, we securely delete or anonymize your information so it can't be linked back to you.

7. Cookies and Tracking

We use cookies to make the platform work properly and remember your preferences. Most are essential for basic functionality.

Types of Cookies We Use

• Essential cookies: Required for login, security, and core features
• Preference cookies: Remember your settings and choices
• Analytics cookies: Help us understand how people use the platform

You can control cookies through your browser settings, but disabling essential cookies may affect platform functionality.

8. International Data Transfers

Your data is primarily stored and processed in Australia. If we need to transfer data overseas (for example, to a cloud service provider), we ensure appropriate safeguards are in place under Australian privacy law.

We'll only transfer data to countries with adequate privacy protections or use approved contractual mechanisms.

9. Children's Privacy

Our platform is designed for business and professional use. We don't knowingly collect information from anyone under 18. If you believe a minor has provided us with personal information, contact us immediately so we can delete it.

10. Changes to This Policy

We may update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on the platform.

The "Last Updated" date at the top shows when the current version took effect. We encourage you to review this policy periodically.

11. Complaints and Disputes

If you have concerns about how we handle your personal information, please contact us first. We'll investigate and respond within 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Email: enquiries@oaic.gov.au