Privacy Policy

Information We Collect

At linkbernix, we collect various types of information to provide you with personalized financial planning services. When you create an account, we gather basic details like your name, email address, and contact information. But that's just the beginning – we also collect financial data you choose to share with us.

Your financial information might include income details, spending patterns, savings goals, and investment preferences. We collect this through forms you complete, files you upload, and interactions with our platform. Technical information is automatically gathered too – things like your IP address, browser type, and how you navigate our website.

• Personal identifiers: Full name, email address, phone number, and residential address
• Financial information: Income sources, expenses, debts, assets, and financial goals
• Technical data: Device information, browser details, and usage analytics
• Communication records: Support tickets, feedback, and correspondence with our team
• Authentication data: Login credentials and security verification information

How We Use Your Information

Your information powers our financial planning platform in several key ways. We use it to create personalized recommendations, track your progress toward financial goals, and provide relevant educational content. This isn't just automated processing – our financial experts review aggregated data to improve our services.

Communication is another important use. We'll send you account updates, educational newsletters, and important service announcements. You can control most of these communications through your account settings. We also use your information for security purposes – monitoring for unusual activity and protecting against fraud.

• Creating personalized financial plans and goal tracking
• Providing customer support and responding to inquiries
• Sending educational content and platform updates
• Improving our services through usage analysis
• Ensuring platform security and preventing fraud
• Complying with legal requirements and regulations

Information Sharing and Disclosure

We're selective about sharing your information. Most of the time, your data stays within linkbernix's secure systems. However, there are specific situations where we might share information with trusted partners or as required by law.

Service providers who help us operate the platform may access your information. These include cloud hosting services, payment processors, and customer support tools. All these partners are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.

Legal requirements sometimes demand information sharing. If we receive valid legal requests from Australian authorities or need to protect our rights and safety, we may disclose relevant information. We'll always notify you when legally possible and fight overly broad requests.

• Trusted service providers who help operate our platform
• Legal authorities when required by valid Australian legal processes
• Emergency situations involving immediate safety concerns
• Business transactions like mergers (with user notification)
• Aggregated, anonymized data for research and improvement purposes

Data Security and Protection

Security isn't just a feature for us – it's fundamental to everything we do. Your financial information is encrypted both in transit and at rest using industry-standard protocols. We employ multiple layers of security, from secure servers to regular security audits.

Our team undergoes regular security training, and we limit access to your information on a need-to-know basis. We use secure data centers in Australia, maintain backup systems, and have incident response procedures ready. While no system is 100% secure, we continuously monitor and improve our security measures.

• 256-bit SSL encryption for all data transmission
• Regular security audits and vulnerability assessments
• Secure Australian data centers with physical security measures
• Two-factor authentication options for enhanced account security
• Regular staff training on privacy and security best practices
• Incident response procedures for potential security breaches

Your Rights and Choices

You have significant control over your personal information. Under Australian privacy laws, you can request access to the information we hold about you, ask for corrections, or request deletion of your data. These rights aren't just legal requirements – they're part of our commitment to transparency.

You can update most of your information directly through your account settings. For more complex requests, like data portability or complete account deletion, contact our support team. We'll process these requests promptly and keep you informed throughout the process.

Marketing communications are always optional. You can unsubscribe from newsletters and promotional emails at any time. However, some service-related communications are necessary for account security and platform functionality.

• Access and download your personal information
• Correct inaccurate or outdated information
• Request deletion of your account and associated data
• Control marketing and non-essential communications
• Data portability to transfer information to other services
• File complaints with the Australian Privacy Commissioner

Data Retention and Deletion

We don't keep your information forever. Different types of data have different retention periods based on legal requirements and business needs. Financial records might be kept longer than basic contact information, reflecting regulatory requirements in the financial services sector.

When you close your account, we begin the deletion process for most personal information within 30 days. However, some information may be retained longer for legal compliance, fraud prevention, or legitimate business purposes. We'll always use the minimum retention period necessary.

• Account information: Deleted within 30 days of account closure
• Financial records: Retained for 7 years as required by Australian law
• Support communications: Deleted after 3 years
• Usage analytics: Anonymized after 2 years
• Security logs: Retained for 1 year for fraud prevention
• Backup data: Automatically purged after 90 days

International Data Transfers

While we primarily store your information in Australia, some of our service providers operate internationally. When we transfer your information overseas, we ensure it receives the same level of protection as it would in Australia. This includes using approved transfer mechanisms and contractual safeguards.

Cloud services and support tools sometimes involve international data processing. We carefully vet these providers and ensure they meet Australian privacy standards. You can request details about specific international transfers by contacting our privacy team.

• Primary data storage remains in secure Australian facilities
• International transfers only to countries with adequate protection
• Contractual safeguards with all international service providers
• Regular compliance reviews for overseas data processing
• User notification for significant changes to data location

Cookies and Tracking Technologies

Like most websites, we use cookies and similar technologies to enhance your experience. These small files help us remember your preferences, keep you logged in, and understand how you use our platform. You can control cookie settings through your browser, though some features may not work without them.

We use both essential cookies for platform functionality and optional cookies for analytics and personalization. Analytics help us understand which features are most valuable and where we can improve. Personalization cookies help us show you relevant content and recommendations.

• Essential cookies for login and security functions
• Analytics cookies to understand platform usage patterns
• Preference cookies to remember your settings
• Security cookies to protect against fraud and attacks
• Third-party cookies from trusted service providers only

Changes to This Policy

Privacy laws and our services evolve, so this policy may change over time. We'll notify you of significant updates through email or prominent notices on our platform. Minor clarifications might be updated without specific notification, but we'll always maintain the updated date at the top of this policy.

We encourage you to review this policy periodically. If you disagree with any changes, you can close your account or contact us to discuss your concerns. Continued use of our services after updates indicates acceptance of the revised terms.