Introduction and Scope

celaviontrae operates under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). We're committed to handling your personal information responsibly and transparently.

This policy applies to all personal information we collect through our website, mobile applications, and in-person interactions at our Parramatta office. When you use our services, you're trusting us with sensitive financial data—and we don't take that lightly.

What Information We Collect

We collect different types of information depending on how you interact with us. Here's what that looks like in practice:

Personal Identification Details

When you sign up for our services, we need basic information like your full name, date of birth, residential address, email address, and phone number. For compliance with Australian financial regulations, we also collect government-issued identification numbers such as your driver's licence or passport details.

Financial Information

Because we're in the business of helping you manage money, we collect details about your bank accounts, transaction history, income sources, employment details, and spending patterns. This helps us provide personalized financial guidance that actually makes sense for your situation.

Technical and Usage Data

Like most websites, we automatically collect certain technical information when you visit us. This includes your IP address, browser type, device information, and how you navigate through our site. We use this data to improve our platform and fix issues before they affect you.

How We Use Your Information

We're not in the business of collecting data for the sake of it. Everything we gather serves a specific purpose related to providing you with better financial services.

Service Delivery and Account Management

Your personal information allows us to set up and maintain your account, process transactions, provide customer support, and send you important updates about your finances. Without this data, we simply couldn't deliver our core services.

Legal and Regulatory Obligations

Australian financial services regulations require us to verify your identity, monitor for suspicious activity, report certain transactions to AUSTRAC, and maintain detailed records. These aren't optional—they're legal requirements that protect both you and the broader financial system.

Service Improvement and Analytics

We analyze usage patterns to understand what's working and what isn't. This helps us develop new features, improve existing ones, and create a smoother experience overall. We also use this data to identify and fix technical issues.

• Personalizing your dashboard based on your financial goals
• Detecting unusual account activity that might indicate fraud
• Sending you relevant educational content about money management
• Improving our mobile app based on how people actually use it
• Training our customer support team to handle common issues

Sharing Your Information

We don't sell your personal information. Period. But we do need to share certain data with trusted partners to deliver our services effectively.

Service Providers and Partners

We work with carefully vetted third parties who help us operate our platform—things like cloud hosting providers, payment processors, identity verification services, and customer support tools. These partners only get access to the specific data they need, and they're contractually obligated to protect it.

Legal Requirements and Protection

Sometimes we're legally required to disclose information to government agencies, law enforcement, or regulatory bodies. This includes AUSTRAC reporting requirements, court orders, or investigations into fraudulent activity. We only share what's legally necessary and will notify you when permitted by law.

Business Transfers

If celaviontrae is acquired by another company or undergoes a merger, your information would be transferred as part of that transaction. We'd notify you of any such change and ensure the new entity continues to protect your privacy.

Your Privacy Rights

Australian privacy law gives you significant control over your personal information. Here's what you can do:

Access and Correction

You can request a copy of the personal information we hold about you at any time. If something's incorrect or out of date, you have the right to ask us to fix it. We'll respond to access requests within 30 days and make corrections as quickly as possible.

Deletion and Restriction

You can ask us to delete your personal information, though we may need to retain certain records for legal or regulatory reasons. You can also request that we restrict how we use your data in specific situations.

Data Portability

Want to take your data elsewhere? You can request a copy of your information in a commonly used electronic format. This makes it easier to switch to another service if you choose to.

Marketing Communications

You can opt out of marketing emails at any time by clicking the unsubscribe link in any promotional message we send. You'll still receive important transactional emails about your account, but we'll stop sending you marketing content.

How to Exercise Your Rights

To make any privacy-related request, contact us at info@celaviontrae.com or write to our Privacy Officer at Suite 1, Level 1/191 Church St, Parramatta NSW 2150, Australia. We'll need to verify your identity before processing certain requests to protect your security.

Data Security Measures

Protecting your financial information is our top priority. We've implemented multiple layers of security to keep your data safe from unauthorized access, disclosure, or misuse.

Technical Safeguards

We use industry-standard encryption for all data in transit and at rest. Our systems are protected by firewalls, intrusion detection systems, and regular security audits. We also limit access to your personal information to employees who need it to do their jobs.

Operational Practices

Our staff receive regular training on privacy and security best practices. We conduct background checks on employees who handle sensitive information and maintain strict policies about data handling and confidentiality.

Monitoring and Response

We actively monitor our systems for potential security threats and have incident response procedures in place. If we detect a data breach that's likely to result in serious harm, we'll notify you and the Office of the Australian Information Commissioner as required by law.

• 256-bit SSL encryption for all website communications
• Multi-factor authentication for account access
• Regular penetration testing by independent security firms
• Secure data centers with physical access controls
• Automated logout after periods of inactivity
• Regular software updates and security patches

International Data Transfers

Your personal information is primarily stored on servers located in Australia. However, some of our service providers operate internationally, which means your data may be processed or stored overseas.

Where Your Data Might Go

We use cloud hosting services that may store data in facilities across multiple countries. Our payment processing partners may also handle transactions through international systems. We currently work with providers in the United States and Singapore.

Protection Standards

When we transfer data internationally, we ensure appropriate safeguards are in place. This might include standard contractual clauses, adequacy decisions, or other mechanisms approved under Australian privacy law. Your data receives the same level of protection regardless of where it's processed.

Cookies and Tracking Technologies

We use cookies and similar technologies to make our website work properly and improve your experience. Here's what that means in practice:

Essential Cookies

Some cookies are necessary for basic functionality—things like keeping you logged in, remembering your language preferences, and maintaining security. You can't opt out of these without breaking the website.

Analytics and Performance

We use analytics cookies to understand how people use our site. This helps us identify confusing navigation, slow pages, or features that aren't working well. These cookies don't identify you personally—they just show us patterns.

Your Cookie Choices

You can control cookie settings through your browser preferences. Keep in mind that blocking certain cookies might affect how our website functions. Most browsers let you view, delete, or block cookies individually.

Children's Privacy

Our services aren't designed for people under 18. We don't knowingly collect personal information from children. If you're a parent and believe your child has provided us with personal information, please contact us immediately so we can delete it.

For minors between 16 and 18 who want to use our educational resources, we require parental consent before collecting any personal information.

Changes to This Policy

We'll update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The "Last Updated" date at the top of this page shows when we last revised the policy. We encourage you to review it periodically to stay informed about how we're protecting your information.

If you continue using our services after we update this policy, we'll consider that as acceptance of the changes. If you disagree with the revised policy, your option is to stop using our services and close your account.

Making a Complaint

If you're not happy with how we've handled your personal information, we want to know about it. Start by contacting our Privacy Officer directly—we're committed to resolving concerns quickly and fairly.

Our Complaint Process

Send your complaint to info@celaviontrae.com with details about your concern. We'll acknowledge receipt within 5 business days and investigate the issue. You'll receive a response within 30 days explaining our decision and any actions we've taken.

External Review

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent regulator responsible for privacy matters in Australia.

OAIC contact details:
Phone: 1300 363 992
Website: www.oaic.gov.au
Mail: GPO Box 5218, Sydney NSW 2001