Information We Collect

When you use rionavertia's services, we collect several types of information to provide secure digital banking and protect your financial data. Here's what we gather and why:

Personal Identification Information

We collect basic details like your name, date of birth, address, email, and phone number. This information helps us verify your identity and communicate with you about your account security.

Financial Information

For our digital banking security services, we need access to certain financial details—account numbers, transaction patterns, and security preferences. We never store full payment card numbers on our servers.

Technical Data

Our systems automatically collect IP addresses, device information, browser types, and usage patterns. This technical data helps us detect unusual activity and potential security threats.

How We Use Your Information

Your data serves specific purposes within our organization. We don't use it for unrelated activities or sell it to third parties. Here's our approach:

Data Sharing and Disclosure

We're selective about who sees your information. Most of the time, it stays within rionavertia. But there are situations where we share data with trusted partners or because the law requires it.

Your Privacy Rights

Australian privacy law gives you significant control over your personal information. These aren't just theoretical rights—we've built practical ways for you to exercise them.

To exercise these rights, contact our privacy team at support@rionavertia.com or call +61 7 5554 6726. We'll verify your identity and respond within the timeframes required by Australian law.

Data Security Measures

Protecting your information is fundamental to what we do. We've implemented multiple layers of security that go beyond basic industry standards:

• End-to-end encryption for all data transmission using TLS 1.3 protocols
• AES-256 encryption for stored data at rest on our secure Australian servers
• Multi-factor authentication requirements for all employee access to customer data
• Regular security audits conducted by independent third-party cybersecurity firms
• Automated intrusion detection systems that monitor for suspicious access patterns
• Strict access controls limiting data visibility to employees who need it for their roles
• Regular security training for all staff members handling customer information
• Incident response procedures tested quarterly through simulated breach scenarios

Despite these measures, no system is completely immune to security breaches. If we detect unauthorized access to your data, we'll notify you within 72 hours and provide guidance on protective steps you can take.

Data Retention Periods

We don't keep your information indefinitely. Our retention schedule balances your privacy interests with legal requirements:

• Account Information: Retained for 7 years after account closure, as required by Australian financial regulations
• Transaction Records: Maintained for 7 years to comply with Anti-Money Laundering and Counter-Terrorism Financing laws
• Security Logs: Kept for 3 years to support fraud investigations and security analysis
• Communication Records: Stored for 2 years to resolve disputes and improve customer service
• Marketing Data: Deleted within 30 days of unsubscribing from promotional communications
• Technical Logs: Automatically purged after 12 months unless needed for active security investigations

When retention periods expire, we securely delete or anonymize your information using methods that prevent recovery.

International Data Transfers

Your data primarily stays within Australia, hosted on servers in Sydney and Melbourne. However, some situations require international transfers:

Our cloud infrastructure provider maintains backup facilities in Singapore. These backups use the same encryption standards and remain subject to Australian privacy law through contractual agreements.

Customer support services occasionally involve staff in New Zealand who access information through secure systems with comprehensive audit trails.

When we transfer data internationally, we use Standard Contractual Clauses approved by the Australian Information Commissioner and conduct assessments to confirm adequate protection in the destination country.

Cookies and Tracking Technologies

Our website and mobile applications use various tracking technologies to function properly and improve your experience:

Essential Cookies

These cookies are necessary for security features and account access. You can't disable them without losing functionality. They remember your login state and security preferences.

Analytics Cookies

We use analytics tools to understand how people use our services. This helps us identify confusing interfaces or technical problems. These cookies don't identify you personally—they track aggregated usage patterns.

Preference Cookies

These remember your choices like language settings and dashboard layouts. They make your experience more convenient but aren't essential.

You can manage cookie preferences through your browser settings, though disabling certain cookies may limit functionality. Our mobile app includes similar tracking that you can control through your device's privacy settings.

Children's Privacy

rionavertia's services are designed for adults managing their financial security. We don't knowingly collect information from anyone under 18 years old without parental consent.

If you're a parent who discovers your child has provided us with personal information, contact us immediately at support@rionavertia.com. We'll delete the information within 48 hours.

Changes to This Policy

Privacy laws and our services evolve over time. We review this policy annually and update it when our practices change or regulations require adjustments.

When we make significant changes, we'll notify you via email at least 30 days before they take effect. The notification will explain what changed and how it might affect you.

Minor updates—like clarifying existing practices or fixing typos—don't trigger notifications. We post all versions with revision dates on our website so you can track changes over time.

Making a Complaint

If you believe we've mishandled your personal information or violated Australian privacy law, you have the right to complain. Here's the process:

• Contact our Privacy Officer at support@rionavertia.com with details about your concern
• We'll acknowledge your complaint within 3 business days
• Our Privacy Officer will investigate and respond within 30 days with our findings and any corrective actions
• If you're unsatisfied with our response, you can escalate to the Office of the Australian Information Commissioner

The OAIC website (oaic.gov.au) provides information about lodging formal complaints under the Privacy Act 1988.