quendalivo

Introduction and Scope

quendalivo operates as a comprehensive financial platform focused on business activity analysis, serving clients throughout Australia and internationally. This privacy policy explains how we collect, use, store, and protect your personal information when you interact with our services through quendalivo.sbs or any related platforms.

We understand that trust forms the foundation of any financial relationship. That's why we've designed our privacy practices around transparency and user control. This document covers all data processing activities, from your initial website visit through ongoing service delivery and beyond.

Who This Policy Applies To

This policy covers current clients, prospective customers, website visitors, newsletter subscribers, and anyone who interacts with quendalivo's digital or physical services. If you're accessing our platform from outside Australia, additional international data transfer provisions may apply to your information.

Information We Collect

We collect information through various channels to deliver personalized financial analysis services. The type and extent of data collection depends on how you choose to engage with our platform.

Data Category	Examples	Collection Method	Purpose
Personal Identifiers	Name, email, phone number, postal address	Registration forms, contact inquiries	Account creation, communication, service delivery
Financial Information	Business revenue data, expense categories, financial goals	Service questionnaires, uploaded documents	Business analysis, customized recommendations
Technical Data	IP address, browser type, device information, cookies	Automatic collection during website use	Platform security, performance optimization, user experience
Usage Analytics	Pages viewed, time spent, feature interactions, click patterns	Web analytics tools, platform interactions	Service improvement, content personalization

Information From Third Parties

We may receive additional information from business partners, financial data providers, or public business registries to enhance our analysis capabilities. This includes industry benchmarking data, market trends, and publicly available business information that helps contextualize your financial analysis.

How We Use Your Information

Your information serves multiple purposes within our business analysis ecosystem. We've structured our data usage around delivering meaningful insights while respecting your privacy preferences.

Service Delivery: Processing your financial data to generate customized business analysis reports, trend identification, and performance benchmarking against industry standards.
Platform Enhancement: Analyzing usage patterns to improve our analytical tools, develop new features, and optimize the user experience based on real user behavior.
Communication: Sending service updates, analytical insights, educational content, and responding to your inquiries through your preferred communication channels.
Security and Compliance: Monitoring for fraudulent activities, maintaining platform security, and ensuring compliance with Australian financial regulations and international standards.
Research and Development: Creating anonymized datasets to develop better analytical models, industry reports, and market insights that benefit our entire user community.

Legal Basis for Processing

Under Australian privacy law and international regulations, we process your data based on contract performance, legitimate business interests, legal compliance requirements, and your explicit consent for marketing communications. You maintain the right to withdraw consent for non-essential processing at any time.

Data Sharing and Disclosure

We maintain strict controls over data sharing, limiting disclosure to essential business partners and legal requirements. Your financial information remains confidential and is never sold to third parties for marketing purposes.

Authorized Service Providers

We work with carefully vetted technology partners for cloud hosting, data analytics, payment processing, and customer support services. These providers operate under strict data processing agreements that mirror our privacy commitments and are subject to regular security audits.

Legal Disclosure Requirements

We may disclose information when required by Australian law, court orders, regulatory investigations, or to protect our legal rights and user safety. In such cases, we provide only the minimum information necessary and notify affected users when legally permissible.

Business Transfers

In the event of a merger, acquisition, or asset sale, your information may be transferred to the new entity under equivalent privacy protections. We would notify all users at least 30 days before any such transfer takes place.

Your Privacy Rights

Australian privacy legislation grants you comprehensive rights over your personal information. We've streamlined the process for exercising these rights through both automated tools and dedicated support channels.

Access and Portability: Request copies of your personal data in commonly used formats, including all analysis reports and processed insights we've generated from your information.
Correction and Updates: Modify inaccurate information through your account dashboard or by contacting our support team for more complex data corrections.
Deletion Rights: Request removal of your personal data, subject to legal retention requirements and legitimate business needs for ongoing service delivery.
Processing Restrictions: Limit how we use your information while maintaining essential service functionality, particularly useful during dispute resolution periods.
Objection Rights: Opt out of data processing for direct marketing, automated decision-making, or other non-essential business purposes without affecting core services.
Complaint Process: File complaints about our privacy practices directly with us or with the Australian Privacy Commissioner if you're unsatisfied with our response.

Exercising Your Rights

Most privacy requests can be processed within 30 days through your account settings or by emailing info@quendalivo.sbs with proper identity verification. Complex requests may require additional time, and we'll keep you informed throughout the process. There's no charge for reasonable requests, though excessive or repetitive demands may incur administrative fees.

Data Security and Protection

Protecting your financial information requires multiple layers of security, from technical safeguards to operational procedures. We've invested significantly in enterprise-grade security infrastructure that meets international standards for financial data protection.

Technical Safeguards

All data transmissions use TLS 1.3 encryption, and stored information is protected with AES-256 encryption. Our platform operates on secure cloud infrastructure with redundant backups, automated security updates, and continuous monitoring for potential threats. Access controls ensure only authorized personnel can view specific data types based on their job responsibilities.

Operational Security

Our team undergoes regular security training, and we maintain strict policies for handling sensitive information. Physical access to data centers is restricted and monitored, while our offices use badge access and secure document disposal procedures. Third-party security audits are conducted annually to validate our security posture.

Incident Response

In the unlikely event of a data breach, we maintain a comprehensive incident response plan that includes immediate threat containment, forensic analysis, regulatory notification within 72 hours, and direct communication with affected users. We also provide identity monitoring services at no cost if sensitive information is compromised.

Data Retention and Deletion

We maintain clear retention schedules based on legal requirements, business needs, and user preferences. Financial records and analysis data are typically retained for seven years to comply with Australian business record-keeping obligations, while marketing data and website analytics are purged more frequently.

Data Type	Retention Period	Deletion Trigger	Legal Basis
Financial Analysis Data	7 years from service completion	Regulatory compliance period expires	Australian Taxation Office requirements
Marketing Communications	Until opt-out or 3 years inactive	User unsubscribes or extended inactivity	Consent-based processing
Website Analytics	26 months maximum	Rolling retention window	Legitimate business interests
Account Information	Duration of relationship plus 2 years	Account closure and retention period	Contract performance and legal compliance

Secure Deletion Process

When retention periods expire, we use multi-pass overwriting techniques for digital storage and certified destruction services for physical documents. Backup systems are purged using the same secure deletion standards, and we maintain certificates of destruction for audit purposes.

International Data Transfers

While quendalivo primarily operates within Australia, some of our technology partners maintain servers in other jurisdictions with strong privacy protections. We ensure all international data transfers meet Australian privacy standards through adequacy decisions, standard contractual clauses, or equivalent protection mechanisms.

Cross-Border Processing Safeguards

Any personal information processed outside Australia remains subject to this privacy policy and Australian privacy law protections. Our international partners are contractually required to maintain equivalent security standards and are prohibited from using your information for purposes other than providing services to quendalivo.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze platform performance, and deliver relevant content. Our cookie policy provides detailed information about each type of tracking technology we employ and how to manage your preferences.

Essential Cookies: Required for basic platform functionality, security, and user authentication. These cannot be disabled without affecting core services.
Analytics Cookies: Help us understand how users interact with our platform to improve design and functionality. You can opt out through your browser settings.
Personalization Cookies: Remember your preferences and customize content delivery based on your interests and usage patterns.
Marketing Cookies: Enable targeted advertising and measure campaign effectiveness. These require explicit consent and can be managed through our preference center.

Updates to This Policy

We review and update this privacy policy annually or when significant changes occur to our data processing practices, legal requirements, or business operations. Material changes will be communicated through email notifications, platform announcements, and prominent website notices at least 30 days before taking effect.

Version History and Changes

Previous versions of this privacy policy are archived and available upon request. We maintain detailed change logs highlighting modifications and their effective dates, ensuring transparency about how our privacy practices evolve over time. Users can access historical versions through their account dashboard or by contacting our support team.

Privacy Policy