Privacy Policy

Information We Collect

When you use our budget adjustment services, we collect information that helps us provide better financial guidance. We're transparent about what we gather and why we need it.

How We Collect Information

• Directly from you when you fill out forms, contact us, or use our services
• Automatically through cookies and tracking technologies when you browse our website
• From third-party services when you choose to connect your accounts (with your explicit consent)
• Through feedback forms and surveys you choose to complete

How We Use Your Information

We use your personal information to deliver effective budget adjustment strategies and improve our services. Every piece of data serves a specific purpose in helping you achieve better financial outcomes.

Primary Uses

• Providing personalized budget consultation services and financial advice
• Communicating with you about your account, appointments, and service updates
• Processing payments and managing your service agreements
• Analyzing spending patterns to offer relevant budget optimization suggestions
• Improving our website functionality and user experience
• Sending educational content about financial management (with your consent)

Legal Basis for Processing

Under Australian Privacy Principles, we process your personal information based on:

• Consent: You've explicitly agreed to us processing your data for specific purposes
• Contract Performance: Processing is necessary to fulfill our service agreement with you
• Legitimate Interest: We have genuine business reasons that don't override your privacy rights
• Legal Obligation: We're required by Australian law to process certain information

Information Sharing and Disclosure

We don't sell your personal information to anyone. We only share your data in specific circumstances, always with appropriate safeguards in place.

When We Share Information

• Service Providers: Trusted third parties who help us deliver our services (payment processors, email providers, analytics tools)
• Legal Requirements: When required by Australian law, court orders, or government requests
• Business Protection: To protect our rights, property, or safety, or that of our clients
• Business Transfers: If dylantorezix is acquired or merged, your information may transfer to the new entity

Third-Party Services

We work with carefully selected partners who help us provide better services:

• Payment processors for secure transaction handling
• Email service providers for communications
• Analytics tools to understand website usage
• Cloud storage providers for secure data backup

All third parties are contractually required to protect your information and use it only for authorized purposes.

Data Security and Protection

Protecting your financial information is our top priority. We implement multiple layers of security to keep your data safe from unauthorized access, modification, or theft.

Security Measures

• Encryption: All sensitive data is encrypted both in transit and at rest using industry-standard protocols
• Access Controls: Only authorized personnel can access your information, with strict authentication requirements
• Regular Audits: We conduct regular security assessments and vulnerability testing
• Secure Infrastructure: Our servers are hosted in secure facilities with physical and digital protections
• Staff Training: Our team receives ongoing privacy and security training
• Incident Response: We have procedures in place to quickly respond to any security concerns

Data Breach Response

In the unlikely event of a data breach affecting your personal information, we will:

• Notify you within 72 hours if the breach poses a high risk to your privacy
• Report the incident to the Australian Privacy Commissioner as required
• Take immediate steps to contain and investigate the breach
• Provide clear information about what happened and what we're doing about it

Your Privacy Rights

Under Australian privacy law, you have significant control over your personal information. We make it easy for you to exercise these rights and will respond to your requests promptly.

How to Exercise Your Rights

To make a privacy request, contact us using the details below. We'll need to verify your identity before processing requests that involve personal information. Most requests are handled within 30 days, though complex requests may take longer.

If you're not satisfied with our response to your privacy request, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Data Retention and Deletion

We only keep your personal information for as long as necessary to provide our services and meet legal obligations. Different types of data have different retention periods based on their purpose and legal requirements.

Retention Periods

• Client Records: Financial consultation records are kept for 7 years after service completion, as required by Australian financial services regulations
• Communication Records: Email correspondence and support tickets are retained for 3 years
• Website Analytics: Anonymous usage data is kept for 2 years for service improvement purposes
• Marketing Data: Contact information for marketing purposes is kept until you unsubscribe or ask us to delete it
• Payment Information: Transaction records are kept for 7 years for tax and legal compliance

Automatic Deletion

We have systems in place to automatically delete personal information when retention periods expire. Before deletion, we'll contact you if there's any reason you might want to retain copies of your data.

Some information may need to be kept longer if required by law, for legal proceedings, or to protect our legitimate business interests.

International Data Transfers

Your personal information is primarily stored and processed within Australia. However, some of our trusted service providers may process data internationally as part of delivering our services.

Cross-Border Disclosures

When we transfer personal information outside Australia, we ensure appropriate safeguards are in place:

• Service providers in countries with adequate privacy protections recognized by Australian law
• Contractual agreements requiring overseas recipients to protect your information to Australian standards
• Your explicit consent for specific international transfers where required

Countries Where Data May Be Processed

Your personal information may be processed in the United States (cloud storage and email services) and Singapore (payment processing). These transfers are protected by contractual safeguards and occur only with service providers who demonstrate strong privacy protections.

Cookies and Website Technology

Our website uses cookies and similar technologies to improve your browsing experience and help us understand how our site is being used. You have control over these technologies and can adjust your preferences at any time.

Types of Cookies We Use

• Essential Cookies: Necessary for the website to function properly, including security and basic navigation features
• Analytics Cookies: Help us understand how visitors use our website so we can improve it
• Functional Cookies: Remember your preferences and settings to enhance your experience
• Marketing Cookies: Used to deliver relevant content and track the effectiveness of our communications (only with your consent)

Managing Your Cookie Preferences

You can control cookies through your browser settings. Most browsers allow you to block or delete cookies, though this may affect website functionality. You can also opt out of analytics tracking through your browser's privacy settings.

We don't use cookies to collect personal information without your knowledge, and we regularly review our cookie practices to ensure they align with privacy best practices.

Children's Privacy

Our budget adjustment services are designed for adults who manage their own finances. We don't knowingly collect personal information from children under 13 years of age without parental consent.

If you believe we've accidentally collected information from a child under 13, please contact us immediately so we can delete this information from our systems.

For teenagers aged 13-17 who may benefit from basic financial education, we recommend parental involvement in any interactions with our services.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We'll always notify you of significant changes and give you time to review them.

How We Notify You of Changes

• Email notification to registered users for material changes affecting how we handle personal information
• Website notification banner for 30 days after policy updates
• Updated "Last Modified" date at the top of this policy

We encourage you to review this privacy policy periodically to stay informed about how we're protecting your information. Continued use of our services after changes indicates your acceptance of the updated policy.