Privacy Policy
Introduction and Commitment
At zestariqex, we understand that your personal information represents far more than just data points. It's your trust, your financial journey, and your confidence in our ability to support your financial wellbeing.
This privacy policy explains how we collect, use, protect, and manage your personal information in accordance with Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). We're committed to maintaining the highest standards of privacy protection while delivering the financial services you rely on.
Information We Collect
Personal Information
We collect personal information that helps us understand your financial needs and provide appropriate services. This includes:
- Contact details including name, address, phone numbers, and email addresses
- Financial information such as income, expenses, assets, and liabilities
- Employment history and current employment status
- Bank account details and transaction history where relevant
- Credit history and credit reporting information
- Government identifiers including tax file numbers and driver's license details
Technical Information
When you use our digital services, we automatically collect certain technical information:
- IP address and device information
- Browser type and operating system
- Pages visited and time spent on our website
- Cookies and similar tracking technologies
- Location data when you use our mobile applications
How We Use Your Information
Your personal information helps us provide better financial services and support. We use this information to:
- Assess your eligibility for financial products and services
- Process applications and manage your accounts
- Provide customer support and respond to your inquiries
- Meet our legal obligations under Australian financial services legislation
- Conduct risk assessment and fraud prevention activities
- Improve our services and develop new financial products
- Send you important updates about your accounts and services
Marketing Communications: We'll only send you marketing materials if you've given us permission. You can withdraw this consent at any time through your account settings or by contacting us directly.
Information Sharing and Disclosure
We take your privacy seriously and only share your information when necessary for business purposes or when required by law.
Service Providers
We work with trusted third-party providers who help us deliver our services. These include:
- Credit reporting agencies for credit assessments
- Technology providers for secure data storage and processing
- Professional services including legal and accounting firms
- Payment processors and banking partners
Legal Requirements
We may disclose your information when required by Australian law, including:
- Responding to court orders or legal proceedings
- Complying with regulatory requests from ASIC, APRA, or other authorities
- Meeting anti-money laundering and counter-terrorism financing obligations
- Protecting our legal rights or preventing fraud
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information:
Access Your Information
Request copies of the personal information we hold about you, subject to certain exceptions under privacy law.
Correction Requests
Ask us to correct any personal information that you believe is inaccurate, outdated, or incomplete.
Restrict Processing
Request that we limit how we use your personal information in certain circumstances.
Withdraw Consent
Remove your consent for marketing communications or optional data processing activities.
How to Exercise Your Rights
To exercise any of these rights, contact our privacy officer using the details provided below. We'll respond to your request within 30 days and may ask you to verify your identity to protect your information.
Data Security and Protection
We employ multiple layers of security to protect your personal information from unauthorized access, alteration, disclosure, or destruction.
Technical Safeguards
- 256-bit SSL encryption for all data transmission
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Secure data centers with 24/7 monitoring
- Role-based access controls limiting employee access
Organizational Measures
- Regular staff training on privacy and security procedures
- Confidentiality agreements with all employees and contractors
- Incident response procedures for potential data breaches
- Regular review and updating of security policies
Data Retention and Deletion
We retain your personal information only as long as necessary for the purposes outlined in this policy and to meet our legal obligations.
| Information Type | Retention Period | Legal Basis |
|---|---|---|
| Account Information | 7 years after account closure | Corporations Act requirements |
| Credit Information | 7 years from last entry | Privacy Act provisions |
| Transaction Records | 7 years from transaction | AML/CTF Act obligations |
| Marketing Preferences | Until withdrawal of consent | Legitimate business interest |
| Website Analytics | 26 months | Business optimization |
When information is no longer required, we securely delete or destroy it using approved data destruction methods.
International Data Transfers
While we primarily store and process your information within Australia, some of our service providers may be located overseas. When we transfer personal information internationally, we ensure appropriate safeguards are in place.
Countries We May Transfer Data To
- United States - for cloud storage services with Privacy Shield certified providers
- Singapore - for regional data processing and backup services
- New Zealand - for shared technology platforms
All international transfers are governed by contracts that require the same level of protection as Australian privacy law.
Cookies and Tracking Technologies
We use cookies and similar technologies to improve your experience on our website and mobile applications.
Types of Cookies We Use
- Essential cookies that enable basic website functionality
- Performance cookies that help us understand how you use our site
- Preference cookies that remember your settings and choices
- Marketing cookies that help us show you relevant advertisements
You can control cookies through your browser settings, though disabling certain cookies may limit your ability to use some features of our services.
Changes to This Policy
We review and update this privacy policy regularly to ensure it remains current and compliant with Australian privacy laws. When we make significant changes, we'll notify you through:
- Email notification to your registered email address
- Prominent notice on our website
- In-app notifications if you use our mobile applications
- Direct mail for material changes affecting your rights
We encourage you to review this policy periodically to stay informed about how we protect your information.
Contact Us About Privacy
If you have questions about this privacy policy, want to exercise your privacy rights, or need to make a complaint, we're here to help.
Privacy Officer
Address: 19 Pitt St Randwick NSW 2031, Australia
Phone: +61249292829
Email: privacy@zestariqex.com
Business Hours: Monday to Friday, 9:00 AM to 5:00 PM (AEST)
Making a Complaint
If you're not satisfied with how we've handled your privacy concern, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):
- Online: www.oaic.gov.au
- Phone: 1300 363 992
- Post: GPO Box 5218, Sydney NSW 2001