Information We Collect

Personal Information You Provide

When you interact with our services, you might share details like your name, email address, phone number, and postal address. If you're working with us on financial planning, we'll also collect information about your financial situation, goals, income, expenses, and other relevant details to give you appropriate advice.

• Contact details including name, email, phone number
• Financial information such as income levels, expenses, and financial goals
• Identification documents when required for verification purposes
• Payment information for processing transactions securely
• Communication preferences and feedback

Automatically Collected Information

Our website collects some technical data automatically. This includes your IP address, browser type, device information, and how you navigate through our site. We use cookies and similar tracking technologies to improve your experience and understand how people use our platform.

How We Use Your Information

We use the information we collect for several practical reasons. Most importantly, we need it to provide you with financial planning services that actually match your situation and goals.

Information Sharing and Disclosure

We don't sell your personal information to third parties. That's not how we operate. But there are some situations where we need to share your data with others to provide our services properly.

Service Providers and Partners

Sometimes we work with trusted third-party providers who help us run our business. This might include payment processors, cloud storage providers, or software platforms. These companies only get access to the information they need to do their job, and they're contractually required to keep it secure.

Legal Requirements

We'll disclose information if required by Australian law, court orders, or regulatory authorities. We might also share data to protect our legal rights or prevent fraud.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We take these seriously and have processes in place to help you exercise them.

How to Exercise Your Rights

To make a request regarding your personal information, send us an email or written request. We'll verify your identity before processing any requests to protect your privacy. In most cases, we'll respond within 30 days.

Data Security and Protection

We use industry-standard security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. This includes encryption for data transmission, secure servers, regular security assessments, and strict access controls.

• SSL/TLS encryption for all data transmitted between your browser and our servers
• Secure data storage with encryption at rest
• Regular security audits and vulnerability assessments
• Limited access to personal information on a need-to-know basis
• Staff training on privacy and security best practices
• Incident response procedures for potential data breaches

But let's be honest: no system is completely secure. While we take extensive precautions, we can't guarantee absolute security. If we discover a data breach that might affect you, we'll notify you and the relevant authorities as required by law.

Data Retention

We keep your personal information for as long as necessary to provide our services and meet legal requirements. For financial records, Australian law often requires retention periods of seven years or more.

Once information is no longer needed, we securely delete or anonymize it. If you close your account, we'll retain only what's legally required and delete the rest.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve functionality and understand how visitors use our site. Cookies are small text files stored on your device that help us remember your preferences and track site performance.

Types of Cookies We Use

• Essential cookies: Required for the website to function properly, including security features and basic navigation
• Performance cookies: Help us understand how visitors interact with our site by collecting anonymous usage data
• Functionality cookies: Remember your preferences and provide enhanced features
• Analytics cookies: Used to analyze traffic patterns and improve website performance

You can control cookies through your browser settings. Keep in mind that disabling certain cookies might affect website functionality.

Third-Party Links

Our website might contain links to other sites that aren't operated by us. We're not responsible for the privacy practices of these external sites. When you click on a third-party link, you're subject to their privacy policy, not ours.

We recommend reading the privacy policies of any website you visit. Just because we link to something doesn't mean we endorse their data handling practices.

Children's Privacy

Our services aren't directed at children under 18. We don't knowingly collect personal information from minors. If we discover that we've accidentally collected data from someone under 18, we'll delete it promptly.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

International Data Transfers

While we're based in Australia, some of our service providers might be located overseas. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information according to Australian privacy standards.

We only work with providers who maintain adequate data protection measures. If you have concerns about international transfers, contact us for more details about where your data might be processed.

Changes to This Privacy Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The effective date at the top of this page shows when the policy was last updated. We encourage you to review this policy periodically to stay informed about how we're protecting your information.

Complaints and Disputes

If you have a complaint about how we've handled your personal information, we want to hear about it. Contact our privacy officer using the details below, and we'll investigate your concern.

We'll acknowledge your complaint within 7 days and aim to resolve it within 30 days. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).