Privacy Policy

1 Information We Collect

When you engage with nureliqon for financial recovery services, we collect information necessary to assess your situation and develop appropriate strategies. The type of data we gather depends on your specific circumstances and the services you're seeking.

Personal Identification Information

We collect basic identification details to verify your identity and comply with Australian financial regulations. This includes your full name, date of birth, residential address, email address, and contact numbers. For Australian residents, we may also need your Tax File Number when required by law.

Financial Information

Understanding your financial position is central to creating effective recovery strategies. We collect details about your income sources, existing debts, credit agreements, assets, expenses, and banking information. This might include payslips, bank statements, credit reports, and documentation of any existing payment arrangements.

Technical and Usage Data

When you visit our website or use our online tools, we automatically collect certain technical information. This includes your IP address, browser type, device information, pages viewed, and interaction patterns. We use this data to improve our digital services and protect against unauthorized access.

2 How We Use Your Information

Every piece of information we collect serves a specific purpose in helping you recover financial stability. We don't collect data for the sake of it — each element supports our ability to provide effective, personalized recovery strategies.

• Assessing your financial situation and determining appropriate recovery strategies tailored to your circumstances
• Negotiating with creditors on your behalf to establish realistic payment arrangements or settlements
• Creating and monitoring budgets that balance debt repayment with essential living expenses
• Providing ongoing financial guidance and adjusting strategies as your situation changes
• Communicating with you about your recovery progress, upcoming payments, and important deadlines
• Meeting legal and regulatory obligations under Australian financial services laws
• Protecting against fraud and ensuring the security of your financial information
• Improving our services based on client outcomes and feedback

3 Information Sharing and Disclosure

Financial recovery often requires us to share certain information with specific parties. We only disclose your data when necessary for your service and always with appropriate safeguards in place.

Creditors and Collection Agencies

When negotiating on your behalf, we share relevant financial information with your creditors or their representatives. This might include income details, expense summaries, and proposed repayment terms. We limit disclosure to what's necessary for achieving favorable outcomes in your debt negotiations.

Service Providers

We work with trusted Australian service providers who help us deliver our services. This includes our banking partners for payment processing, cloud storage providers for secure data hosting, and communication platforms for client correspondence. All service providers are contractually bound to protect your information and use it only for specified purposes.

Legal Requirements

Australian law sometimes requires us to disclose information to government authorities. This includes compliance with court orders, regulatory investigations, tax reporting obligations, and requirements under the Anti-Money Laundering and Counter-Terrorism Financing Act. We only disclose what's legally required and will notify you when possible, unless prohibited by law.

4 Your Privacy Rights

Under the Privacy Act 1988 (Cth) and Australian Privacy Principles, you have specific rights regarding your personal information. We've designed our systems to make exercising these rights straightforward.

To exercise any of these rights, contact our privacy officer using the details at the end of this policy. We may need to verify your identity before processing requests to protect your information from unauthorized access.

5 Data Security and Protection

Protecting your financial information is fundamental to everything we do. We've implemented multiple layers of security to safeguard your data from unauthorized access, disclosure, or loss.

Technical Security Measures

All data transmitted to and from our systems uses industry-standard TLS encryption. We store information in secure Australian data centers with restricted physical access, redundant backups, and 24/7 monitoring. Our databases are encrypted at rest, and we use multi-factor authentication for staff access to client information.

Organizational Safeguards

Access to your information is strictly limited to staff members who need it to provide your services. All team members undergo privacy training and are bound by confidentiality agreements. We maintain detailed access logs and regularly review who has accessed client data.

Incident Response

Despite our precautions, no system is completely immune to security incidents. If we experience a data breach that's likely to result in serious harm, we'll notify affected individuals and the Office of the Australian Information Commissioner as required by law. We maintain a detailed incident response plan to contain breaches quickly and minimize potential impact.

6 Data Retention and Deletion

We keep your information only as long as necessary for providing services and meeting legal obligations. Different types of information have different retention requirements.

Active Service Period

While we're actively working with you on financial recovery strategies, we maintain comprehensive records of your financial situation, communication history, and service documentation. This ensures continuity of service and allows us to track your progress effectively.

Post-Service Retention

After your services conclude, Australian financial services regulations require us to keep certain records for seven years. This includes financial assessments, agreements with creditors, payment records, and significant correspondence. These retention periods protect both parties in case of future disputes or regulatory inquiries.

Deletion Process

Once retention requirements expire, we securely delete or anonymize your information. Deletion involves removing data from active systems, backups, and archives. The process typically completes within 90 days of reaching the retention deadline, though some backup systems may take longer to cycle through.

• Financial assessment documents: 7 years from service completion
• Payment records and transaction history: 7 years from final payment
• Communication records: 7 years from date of correspondence
• Identity verification documents: 7 years from verification date
• Marketing consent records: Until consent withdrawn, then 2 years
• Website usage data: 2 years from collection

7 Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve functionality and understand how visitors interact with our services. You have control over most of these technologies through your browser settings.

Essential Cookies

These cookies are necessary for our website to function properly. They enable basic features like secure login, session management, and form submission. Without these cookies, we can't provide our online services effectively. Essential cookies don't track you across other websites.

Analytics Cookies

We use analytics tools to understand how people use our website. This helps us identify confusing pages, broken links, and opportunities to improve user experience. Analytics data is aggregated and doesn't identify individuals. We review this information quarterly to guide website improvements.

Managing Cookie Preferences

Most browsers allow you to refuse cookies or delete existing ones. However, disabling cookies may limit your ability to use certain features of our website. You can typically manage cookie settings through your browser's privacy or security preferences. Mobile device users should check their device settings for additional privacy controls.

8 Third-Party Links and Services

Our website occasionally links to external resources like government information pages, financial literacy tools, or credit reporting agencies. These third-party websites have their own privacy policies that we don't control.

When you click a link to an external site, you're leaving our privacy protections and entering another organization's nureliqon. We recommend reviewing the privacy policy of any website before providing personal information. We choose external resources carefully but can't guarantee their privacy practices or security measures.

Some third-party services we might direct you to include credit reporting bureaus for obtaining your credit report, government websites for understanding your consumer rights, or financial counseling services for additional support. These referrals aim to help you make informed decisions, but the choice to engage with external services remains entirely yours.

9 Children's Privacy

Our financial recovery services target adults dealing with debt obligations. We don't knowingly collect personal information from individuals under 18 years of age without parental consent. If you're under 18 and considering our services, please have a parent or guardian contact us on your behalf.

In rare circumstances where a minor's information becomes relevant to a parent's financial recovery case (such as child support obligations or dependent expense calculations), we collect and handle this information with additional care, limiting disclosure to what's strictly necessary for the parent's service.

10 Changes to This Privacy Policy

We review and update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes that affect how we handle your information, we'll notify you via email if we have your contact details, or through a prominent notice on our website.

The "Last Updated" date at the top of this policy indicates when the most recent changes took effect. We encourage you to review this policy occasionally, particularly before providing new information or using new features of our services.

Continuing to use our services after policy updates constitutes acceptance of the revised terms. If you disagree with changes, you can discontinue services and request deletion of your information subject to our retention obligations.