Privacy Policy

Last Updated: March 15, 2025

Information We Collect

At pranuloagency, we collect information that you provide directly to us when you create an account, use our investing platform, or communicate with our team. This includes your name, email address, phone number, and financial information necessary to provide investment services.

We take data collection seriously and only gather information that's essential for providing you with excellent investment education and platform services.

Personal Information

Full name and contact details including email and phone number
Financial information required for investment account setup
Identity verification documents as required by Australian financial regulations
Investment preferences and risk tolerance assessments
Communication preferences and marketing consent

Automatically Collected Information

When you use our platform, we automatically collect certain technical information including your IP address, browser type, device information, and usage patterns. This helps us improve our services and ensure platform security.

Data Type Purpose Retention Period
Login Information Account security and access Duration of account + 7 years
Transaction Data Investment tracking and reporting 7 years per regulatory requirements
Communication Records Customer service and compliance 7 years per ASIC guidelines

How We Use Your Information

Your information serves several important purposes in delivering our investment platform services. We use your data to process transactions, provide customer support, send important account updates, and improve our platform based on user behavior patterns.

Primary Uses

Processing investment transactions and maintaining accurate account records
Providing customer support and responding to your inquiries
Sending important account notifications and security alerts
Complying with Australian financial services regulations and reporting requirements
Improving our platform functionality and user experience
Conducting fraud prevention and security monitoring

Marketing Communications

With your consent, we may send you educational content about investing, platform updates, and promotional materials. You can opt out of marketing communications at any time while continuing to receive essential account-related messages.

We never use your financial data for marketing purposes beyond what you've specifically agreed to receive.

Information Sharing and Disclosure

We maintain strict controls over who can access your personal information. pranuloagency does not sell, rent, or trade your personal data to third parties for their marketing purposes. We only share information when necessary for service delivery or as required by law.

Authorized Sharing

With financial institutions to process your investment transactions
To regulatory authorities when required by Australian financial services law
With our service providers who assist in platform operations under strict confidentiality agreements
To law enforcement agencies when legally required or to protect against fraud
In connection with business transfers, though your rights remain protected

Third-Party Service Providers

We work with carefully selected third-party providers for services like payment processing, data analytics, and customer communication. These providers are bound by strict confidentiality agreements and can only use your information for the specific services they provide to us.

All third-party providers undergo thorough security assessments and must meet our data protection standards. They're prohibited from using your information for any purpose other than providing services to pranuloagency.

Data Security and Protection

Protecting your financial information is our top priority. We employ multiple layers of security including encryption, secure servers, and regular security audits to safeguard your data against unauthorized access, alteration, or disclosure.

Security Measures

End-to-end encryption for all data transmission and storage
Multi-factor authentication for account access
Regular security audits and penetration testing
Secure data centers with physical access controls
Employee training on data protection and confidentiality
Incident response procedures for any security concerns

While we implement robust security measures, we also encourage you to use strong passwords and keep your login credentials confidential.

Data Breach Response

In the unlikely event of a data breach, we have comprehensive response procedures in place. We'll notify affected users within 72 hours and provide clear information about what happened, what data was involved, and what steps we're taking to resolve the issue.

Your Rights and Choices

You have significant control over your personal information. Under Australian privacy law, you have the right to access, correct, delete, or restrict the use of your personal data. You can also object to certain processing activities or request data portability.

Your Data Rights

Access: Request a copy of all personal information we hold about you
Correction: Ask us to correct any inaccurate or incomplete information
Deletion: Request deletion of your personal information, subject to legal requirements
Restriction: Limit how we process your information in certain circumstances
Portability: Receive your data in a structured format for transfer to another provider
Objection: Object to processing based on legitimate interests or for marketing purposes

How to Exercise Your Rights

To exercise any of these rights, contact our privacy team at info@pranuloagency.com. We'll respond to your request within 30 days and verify your identity before processing any requests. Some requests may take longer if they're particularly complex.

Please note that certain information may need to be retained for legal or regulatory compliance, even if you request deletion. We'll explain any limitations when you make your request.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of information have different retention periods based on regulatory requirements and business needs.

Retention Periods

Account information: Retained for the duration of your account plus 7 years
Transaction records: 7 years as required by ASIC regulations
Communication records: 7 years for compliance purposes
Marketing preferences: Until you withdraw consent or close your account
Technical logs: 2 years for security and performance monitoring

Secure Deletion

When retention periods expire, we securely delete your information using industry-standard data destruction methods. This ensures that deleted data cannot be recovered or reconstructed. We maintain records of data deletion for audit purposes.

International Data Transfers

While pranuloagency operates primarily within Australia, some of our service providers may process data internationally. When we transfer data outside Australia, we ensure appropriate safeguards are in place to protect your information.

Transfer Safeguards

Data processing agreements with international providers
Compliance with Australian privacy principles for overseas transfers
Regular audits of international service providers
Encryption requirements for all international data transfers

We carefully evaluate any international service providers to ensure they meet Australian privacy standards. You can contact us for specific information about which countries your data may be transferred to.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience, analyze platform usage, and provide personalized content. You can control cookie settings through your browser preferences.

Types of Cookies

Essential cookies: Required for basic platform functionality
Performance cookies: Help us understand how users interact with our platform
Functional cookies: Remember your preferences and settings
Marketing cookies: Used to deliver relevant advertisements (with your consent)

You can disable non-essential cookies through your browser settings, though this may affect some platform features. We respect your cookie preferences and provide clear options for managing your consent.

Updates to This Privacy Policy

We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. We'll notify you of any significant changes through email or platform notifications.

Notification Process

Email notifications for material changes to data practices
Platform alerts when you next log in after policy updates
Updated effective dates clearly displayed on this page
Archive of previous policy versions available upon request

Continued use of our platform after policy updates indicates your acceptance of the revised terms. If you don't agree with changes, you can close your account or contact us to discuss your concerns.

Privacy Questions and Contact Information

If you have questions about this privacy policy or our data practices, please contact us:

Email: info@pranuloagency.com

Address: Suite 403/2 Queen St, Melbourne VIC 3000, Australia

Phone: +61893453322