trazimorenta ("we," "our," or "us") operates trazimorenta.com and provides business sales finance services throughout Australia. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, use our services, or interact with us.

This policy applies to all personal information we collect through our website, mobile applications, email communications, and other digital or offline interactions. We are committed to complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By accessing our services or providing us with your personal information, you acknowledge that you have read and understood this Privacy Policy and consent to our collection, use, and disclosure of your information as described herein.

We collect various types of information to provide and improve our business finance services. The information we collect falls into several categories:

We collect this information directly from you, through automated technologies, from third-party sources such as credit reporting agencies, and from publicly available sources when legally permitted and necessary for our services.

We use your personal information for specific, legitimate business purposes related to providing financial services and maintaining our client relationships. Our primary uses include:

Service Provision: Processing applications, conducting financial assessments, providing advice, facilitating transactions, and delivering the business finance services you request from us.

Communication: Sending service-related notifications, responding to inquiries, providing customer support, and sharing important updates about your account or our services.

Compliance and Legal Obligations: Meeting regulatory requirements, conducting identity verification, preventing fraud, maintaining records as required by law, and cooperating with law enforcement when legally obligated.

Business Operations: Improving our services, conducting market research, analyzing usage patterns, managing our systems, and maintaining business records for operational purposes.

We process your information based on various legal grounds including your consent, contractual necessity, compliance with legal obligations, protection of vital interests, and our legitimate business interests while ensuring these interests do not override your privacy rights.

We maintain strict controls over the disclosure of your personal information and only share it in specific circumstances necessary for our business operations or as required by law.

Service Providers and Partners: We may share your information with trusted third-party service providers who assist us in delivering our services, including IT support, data processing, credit assessment agencies, and professional advisors. These parties are contractually bound to protect your information and use it only for specified purposes.

Financial Institutions: When facilitating financial transactions or assessments, we may share relevant information with banks, lenders, and other financial institutions as necessary to complete the services you have requested.

Legal and Regulatory Compliance: We may disclose your information to government agencies, regulatory bodies, or law enforcement when required by law, court order, or to investigate potential fraud or other illegal activities.

Business Transfers: In the event of a merger, acquisition, or sale of business assets, your information may be transferred to the acquiring party, subject to the same privacy protections outlined in this policy.

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes without your explicit consent.

Under Australian privacy law, you have several important rights regarding your personal information. We are committed to facilitating the exercise of these rights in a timely and transparent manner.

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within 30 days and may require verification of your identity to protect your information from unauthorized access.

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security framework includes both technical and administrative safeguards.

Technical Safeguards: We use industry-standard encryption for data transmission and storage, secure server environments, firewalls, intrusion detection systems, and regular security updates to protect our systems from cyber threats.

Administrative Controls: Access to personal information is restricted to authorized personnel who require it for their job functions. We conduct regular security training, background checks on employees handling sensitive data, and maintain strict access controls and audit trails.

Physical Security: Our offices and data storage facilities are secured with appropriate physical access controls, surveillance systems, and environmental protections to prevent unauthorized access to equipment and documents.

We regularly review and update our security practices to address emerging threats and maintain the confidentiality, integrity, and availability of your personal information throughout its lifecycle in our systems.

We retain 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. Our retention periods vary based on the type of information and applicable legal requirements.

When information is no longer required, we securely dispose of it using methods appropriate to the sensitivity of the data, including secure deletion of electronic records and physical destruction of paper documents through certified destruction services.

Occasionally, we may need to transfer your personal information outside Australia to provide our services effectively. This typically occurs when we use international service providers for data processing, cloud storage, or technical support services.

When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your privacy rights. These safeguards include using service providers in countries with adequate privacy protections, implementing contractual protections that require overseas recipients to handle your information in accordance with Australian privacy standards, and conducting due diligence on international partners to verify their security practices.

We currently use service providers located in the United States and the United Kingdom for certain technical services. These transfers are conducted under appropriate legal frameworks and contractual protections to ensure your information receives substantially similar protection to what it would receive in Australia.

Before transferring your information to any new international destination, we assess the privacy laws and practices of the destination country and implement additional safeguards where necessary to maintain the security and privacy of your personal information.

Our website uses cookies and similar technologies to enhance your browsing experience, analyze website traffic, and improve our services. Cookies are small text files stored on your device that help us recognize you and remember your preferences during and between visits.

Essential Cookies: These cookies are necessary for the website to function properly and cannot be disabled. They enable core functionality such as security, network management, and accessibility features.

Analytics Cookies: We use these cookies to understand how visitors interact with our website, which pages are most popular, and how users navigate through our content. This information helps us improve our website design and content.

Marketing Cookies: These cookies track your browsing habits to provide you with more relevant content and advertisements. We only use marketing cookies with your explicit consent.

You can control cookie settings through your browser preferences, though disabling certain cookies may affect website functionality. We also use web beacons, pixel tags, and similar technologies to track email opens and link clicks in our communications, helping us measure the effectiveness of our communications and improve our services.

Our website may contain links to third-party websites that have their own privacy policies and cookie practices. We are not responsible for the privacy practices of these external sites and encourage you to review their policies before providing any personal information.

We may update this Privacy Policy from time to time to reflect changes in our practices, services, legal requirements, or for other operational reasons. We are committed to keeping you informed about how we protect your personal information.

When we make material changes to this policy, we will notify you by posting the updated policy on our website with a new "Last Updated" date. For significant changes that may affect your privacy rights, we will provide additional notice through email or prominent website notifications.

We encourage you to review this Privacy Policy periodically to stay informed about our privacy practices. Your continued use of our services after we make changes indicates your acceptance of the updated policy.

If you have concerns about changes to our Privacy Policy or how they might affect your personal information, please contact us using the information provided below. We are happy to discuss any changes and how they relate to your specific situation.