Privacy Policy
Your privacy matters to us. Here's how we protect and handle your personal information.
Who We Are
fynoravell is a financial services company based in Australia, committed to providing cost-effective solutions to individuals and businesses. We operate from 3 Nunki Pl, Giralang ACT 2617, Australia, and you can reach us at contact@fynoravell.com or +61894972235.
This privacy policy explains how we collect, use, and protect your personal information when you visit our website or use our services. We're bound by the Australian Privacy Principles under the Privacy Act 1988, and we take these responsibilities seriously.
Information We Collect
We collect different types of information depending on how you interact with us. Here's what we might gather:
Personal Details
Name, email address, phone number, postal address, and date of birth when you enquire about our services or create an account.
Financial Information
Bank account details, income information, employment details, and financial history when you apply for our financial services.
Technical Data
IP address, browser type, device information, and website usage patterns through cookies and analytics tools.
Communication Records
Records of phone calls, emails, chat messages, and other communications you have with our team.
How We Use Your Information
We use your personal information for specific purposes that relate to providing you with financial services and maintaining our business relationship:
Service Delivery
To assess your financial needs, provide quotes, process applications, and deliver the financial services you've requested.
Legal Compliance
To meet our obligations under Australian financial services laws, anti-money laundering requirements, and tax reporting obligations.
Customer Support
To respond to your enquiries, resolve issues, and provide ongoing support for your financial products.
Business Improvement
To analyse trends, improve our services, develop new products, and enhance your overall experience.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information:
Access Your Information
You can request a copy of the personal information we hold about you. We'll provide this within 30 days, and there's usually no charge unless the request is complex.
Correct Your Information
If you find errors in your personal information, let us know and we'll fix them promptly. Accurate information helps us serve you better.
Restrict Processing
You can ask us to limit how we use your information in certain circumstances, though this might affect the services we can provide.
File a Complaint
If you're unhappy with how we've handled your personal information, you can complain to us first, then to the Office of the Australian Information Commissioner.
Data Security Measures
We protect your personal information using multiple layers of security. Here's how we keep your data safe:
Encryption
All sensitive data is encrypted both when stored and when transmitted between systems.
Access Controls
Only authorised staff can access your information, and they're trained in privacy requirements.
Regular Audits
We regularly review our security practices and update them to meet current standards.
Information Sharing
We don't sell your personal information to anyone. However, we sometimes need to share it with trusted partners to provide our services effectively:
We share information with financial institutions when processing loan applications, with credit reporting agencies for credit assessments, and with professional service providers like lawyers and accountants when required. We also share information with government agencies when legally required.
All third parties we work with are contractually bound to protect your information and use it only for the specific purposes we've agreed upon. We conduct due diligence on these partners to ensure they meet our privacy standards.
Data Retention
We keep your information for different periods depending on the type of data and legal requirements:
Financial Records - 7 Years
Loan applications, payment records, and transaction history are kept for seven years as required by Australian financial services laws.
Customer Communications - 3 Years
Emails, phone call records, and support tickets are retained for three years to help resolve any future enquiries.
Marketing Data - Until Withdrawal
If you've opted in to marketing communications, we'll keep your preferences until you unsubscribe or ask us to delete them.
Website Analytics - 2 Years
Technical data about your website visits is typically kept for two years to help us improve our online services.
International Data Transfers
Some of our technology providers are based overseas, particularly in the United States and European Union. When we transfer your information internationally, we ensure these providers meet Australian privacy standards and have appropriate safeguards in place.
Cookies and Website Tracking
Our website uses cookies to improve your browsing experience and help us understand how visitors use our site. These small files are stored on your device and contain information about your preferences and visit history.
We use essential cookies that are necessary for the website to function, analytics cookies to understand visitor behaviour, and preference cookies to remember your settings. You can control cookie settings through your browser, though disabling certain cookies might limit some website features.
We also use Google Analytics to understand website usage patterns, but this data is anonymised and we don't use it to identify individual visitors.
Updates to This Policy
Privacy laws and our business practices evolve over time, so we occasionally update this policy to reflect these changes. When we make significant updates, we'll notify you via email if we have your contact details, or through a prominent notice on our website.
We encourage you to review this policy periodically, especially before sharing additional personal information with us. The date at the top of this document shows when it was last updated.
Questions About Your Privacy
If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a privacy concern, please get in touch with us using any of these methods:
contact@fynoravell.com
Phone
+61894972235
3 Nunki Pl, Giralang ACT 2617, Australia
We aim to respond to privacy enquiries within five business days. For complex requests, we might need up to 30 days, but we'll keep you informed about our progress.