This policy explains how troveiq collects, holds, uses and discloses personal information, in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
1.1 troveiq is operated by troveiq Pty Ltd (ACN 701 259 172, ABN 65 701 259 172) of Suite 1, 282 High Street, Penrith NSW 2750 (troveiq, we, us). troveiq is responsible for the personal information described in this policy.
We do not sell personal information and do not use it for third-party advertising.
4.1 When you activate your account you accept the Investor Terms of Service and this policy. Contact from Your Loan Store is separate and optional: it happens only if you ask for it in the portal, and asking is never required to use troveiq.
5.1 Your agency cannot access, view, download or use the contents of your vault.
5.2 Your agency can see: that you have been invited and whether you have activated; which of the properties it manages are connected; requests you choose to send it, such as an appraisal or rent review request; and summary-level engagement, for example that you have been exploring selling options for a property. You can ask us to switch off summary-level engagement at any time, and troveiq keeps working for you either way.
5.3 Your agency never sees your figures, calculator entries, loan details, balances or rates, anything to do with reviewing or refinancing a loan, or detail of what you viewed or for how long.
5.4 When you stop being a client of your agency, it no longer sees any of this. If you connect your account to a new agency that uses troveiq, we do not share your previous agency's information with it, and we never tell any agency who another agency's clients are.
6.1 Loan reviews are provided by Your Loan Store, a business name of Mindspark Ventures Pty Ltd, Credit Representative 000561256 of LMG Broker Services Pty Ltd, Australian Credit Licence 517192, a related party of troveiq. Your Loan Store will only contact you if you ask it to, for example through the rate checker, or if you have a loan enquiry, application or existing loan with it. Your agency is never told whether you requested, received or acted on a loan review.
6.2 Rate notification emails from troveiq contain no rate, saving or product details, are sent no more than once every 90 days, and can be switched off in your portal settings.
7.1 We use the following providers to process personal information on our behalf. We give sponsoring agencies at least 30 days' notice before adding or replacing one, and we are responsible for how our providers handle your information.
| Provider | Service | Location |
|---|---|---|
| Your Loan Store (related party) | Rate monitoring | Australia |
| Anthropic | Reading, classifying and extracting information from documents | United States |
| Postmark | Receiving vault emails and attachments; sending notifications | United States |
| Supabase | Database and document storage | Sydney, Australia |
| Vercel | Application hosting and processing | Sydney, Australia |
7.2 Our artificial intelligence provider processes document content transiently. It deletes the content within 30 days, except where it is flagged under its usage policies, and does not use it to train its models. We take reasonable steps to ensure our overseas providers handle personal information consistently with the Australian Privacy Principles.
8.1 Your documents and account data are stored at rest in Australia, other than transient copies held by the providers in section 7 while they process them. Information is encrypted in transit and at rest, and access is limited to people who need it to provide the service.
9.1 We keep your documents and account information while your account is open. When you close your account we delete your documents and personal information within 30 days, except where the law requires us to keep it. Copies in routine backups are overwritten in the normal backup cycle, within 90 days.
10.1 We create aggregated, de-identified statistics from platform use to improve troveiq. These cannot reasonably identify you or your agency, and we may keep them after your account is closed.
11.1 You can access and correct your information in the portal or by contacting us. To make a privacy complaint, email privacy@troveiq.com.au. If you are not satisfied with our response, you can complain to the Office of the Australian Information Commissioner at oaic.gov.au.
12.1 If a data breach is likely to result in serious harm to you, we will notify you and the Office of the Australian Information Commissioner under the Notifiable Data Breaches scheme.
13.1 We will give you at least 30 days' notice by email of any material change to this policy. Contact: privacy@troveiq.com.au, troveiq Pty Ltd, Suite 1, 282 High Street, Penrith NSW 2750.