Privacy Policy
Introduction and Scope
zarelqonin respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial services, visit our website at zarelqonin.com, or engage with our customer service team.
This policy applies to all personal information we collect from you, whether directly or indirectly, including through our website, mobile applications, telephone communications, email correspondence, and in-person interactions at our offices in Orange, New South Wales.
By using our services or providing us with your personal information, you consent to the collection, use, and disclosure of your information in accordance with this Privacy Policy and applicable Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
Information We Collect
We collect various types of personal information to provide you with our financial services and enhance your customer experience. The information we collect includes:
Personal Identification Information
Full name, date of birth, gender, residential address, postal address, telephone numbers, email addresses, and government-issued identification numbers including driver's licence and passport details.
Financial Information
Bank account details, credit history, income information, employment details, investment portfolios, transaction histories, and other financial records necessary for our services.
Technical Information
IP addresses, browser types, device information, operating systems, referring URLs, and usage data from your interactions with our digital platforms.
Communication Records
Records of your communications with us, including phone calls, emails, chat logs, and correspondence, which may be recorded for quality assurance and training purposes.
How We Collect Information
- Directly from you when you complete application forms, surveys, or provide information during phone calls
- Through your use of our website and digital services via cookies and analytics tools
- From third parties such as credit reporting agencies, financial institutions, and identity verification services
- Through publicly available sources where legally permitted
- From our business partners and service providers who assist in delivering our services
How We Use Your Information
zarelqonin uses your personal information for legitimate business purposes related to providing financial services and maintaining our customer relationships. Our primary uses include:
Service Provision and Management
We use your information to process applications, manage your accounts, execute transactions, provide customer support, and deliver the financial services you've requested. This includes conducting credit assessments, verifying your identity, and maintaining accurate records of our business relationship.
Legal and Regulatory Compliance
We process your information to comply with Australian financial services regulations, anti-money laundering requirements, taxation obligations, and other legal requirements. This includes reporting to regulatory bodies such as AUSTRAC and the Australian Securities and Investments Commission (ASIC) when required.
Risk Management and Security
Your information helps us assess and manage financial risks, prevent fraud, detect suspicious activities, and maintain the security of our systems and services. We use advanced security measures to protect both your information and our business operations.
Communication and Customer Service
We use your contact information to communicate about your accounts, notify you of important changes to our services, respond to your inquiries, and provide ongoing customer support. This includes both transactional communications and service-related updates.
Information Sharing and Disclosure
zarelqonin maintains strict controls over how we share your personal information. We only disclose your information in specific circumstances and with appropriate safeguards:
Service Providers and Business Partners
We share information with carefully selected third-party service providers who assist us in delivering our services, including payment processors, technology providers, professional advisors, and administrative support services. All such providers are bound by confidentiality agreements and must meet our privacy and security standards.
Legal and Regulatory Requirements
We may disclose your information when required by Australian law, court orders, regulatory investigations, or to assist law enforcement agencies. This includes disclosures to government agencies, regulatory bodies, and other authorities as mandated by financial services legislation.
Business Transfers
If zarelqonin undergoes a merger, acquisition, or sale of assets, your personal information may be transferred to the new entity, subject to the same privacy protections outlined in this policy. We will notify you of any such transfer and your options regarding your information.
We do not sell, rent, or trade your personal information to third parties for their marketing purposes. Any sharing of information is conducted with your consent or as permitted under Australian privacy law.
Your Privacy Rights Under Australian Law
As an Australian resident, you have specific rights regarding your personal information under the Privacy Act 1988. We respect these rights and have established procedures to help you exercise them effectively.
Access Rights
You can request access to the personal information we hold about you, including details about how we've collected, used, and disclosed your information.
Correction Rights
You can request corrections to any inaccurate, outdated, or incomplete personal information we maintain in our records.
Deletion Rights
In certain circumstances, you can request deletion of your personal information, subject to our legal and regulatory obligations.
Restriction Rights
You can request restrictions on how we use your information, particularly for marketing communications and non-essential services.
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 require identity verification before processing your request. Some requests may incur reasonable administrative costs, which we'll discuss with you beforehand.
Data Security and Protection
zarelqonin implements comprehensive security measures to protect your personal information from unauthorised access, use, disclosure, alteration, or destruction. Our security framework includes both technical and organisational measures:
Our Security Measures
Technical Safeguards
We use industry-standard encryption for data transmission and storage, secure servers with regular security updates, multi-factor authentication systems, and continuous monitoring for security threats and vulnerabilities.
Access Controls
Strict access controls ensure only authorised personnel can access your information on a need-to-know basis. All staff undergo regular privacy and security training, and access is logged and monitored.
Physical Security
Our offices and data storage facilities maintain physical security measures including secure access systems, surveillance monitoring, and environmental controls to protect against unauthorised access and damage.
Regular Audits
We conduct regular security audits and assessments to identify and address potential vulnerabilities. Our security practices are reviewed annually by independent security professionals.
Despite our comprehensive security measures, no system is completely secure. If you suspect any unauthorised access to your information or have security concerns, please contact us immediately using the contact details provided below.
Data Retention and Disposal
zarelqonin retains your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements.
Retention Periods
- Account information and transaction records: Retained for seven years after account closure as required by Australian financial services legislation
- Identity verification documents: Retained for seven years after the end of our business relationship as required by anti-money laundering laws
- Communication records: Retained for three years for customer service and compliance purposes
- Website usage data and cookies: Retained for up to two years unless you withdraw consent earlier
- Marketing communications data: Retained until you unsubscribe or withdraw consent
Secure Disposal
When personal information is no longer required, we securely dispose of it using methods that prevent unauthorised access or reconstruction. This includes secure deletion of electronic records and physical destruction of paper documents using certified destruction services.
International Data Transfers
zarelqonin primarily processes and stores your personal information within Australia. However, some of our service providers and technology platforms may be located overseas, particularly in countries with strong privacy protections such as the United States, United Kingdom, and European Union member states.
When we transfer your information overseas, we ensure appropriate safeguards are in place, including:
- Contractual arrangements that require overseas recipients to maintain privacy standards equivalent to Australian requirements
- Verification that the receiving country has adequate privacy laws or other protections
- Implementation of technical and organisational measures to protect your information during transfer and storage
- Regular monitoring and auditing of overseas service providers' compliance with our privacy requirements
Before transferring your information overseas, we conduct due diligence on the receiving parties and destinations to ensure your privacy rights remain protected.
Cookies and Website Analytics
Our website uses cookies and similar technologies to enhance your browsing experience, analyse website usage, and provide personalised content. Cookies are small text files stored on your device that help us understand how you interact with our website.
Types of Cookies We Use
- Essential cookies: Required for website functionality and security
- Performance cookies: Help us understand website usage and improve our services
- Functional cookies: Remember your preferences and provide enhanced features
- Analytics cookies: Provide aggregate data about website traffic and user behaviour
You can control cookie settings through your browser preferences, though disabling certain cookies may affect website functionality. Our website includes cookie management tools that allow you to customise your cookie preferences.
Privacy Policy Updates
zarelqonin may update this Privacy Policy periodically to reflect changes in our practices, services, applicable laws, or regulatory requirements. We'll notify you of any material changes through our website, email communications, or other appropriate means.
The effective date at the top of this policy indicates when the current version was implemented. We encourage you to review this policy regularly to stay informed about how we protect your personal information.
Continued use of our services after policy updates constitutes acceptance of the revised terms. If you disagree with any changes, please contact us to discuss your options, which may include account closure or service modifications.
Questions or Concerns?
If you have any questions about this Privacy Policy or concerns about how we handle your personal information, please don't hesitate to contact our Privacy Officer. We're committed to addressing your privacy concerns promptly and effectively.
Privacy Contact Information
For privacy-related inquiries, complaints, or to exercise your privacy rights, please contact us using any of the following methods:
Postal Address
PO Box 9394
Orange, NSW 2800
Australia
Phone
+61 2 4221 3751
support@zarelqonin.com
Our Privacy Officer will acknowledge receipt of your inquiry within 5 business days and provide a substantive response within 30 days. If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).