Privacy Policy

Introduction to Privacy

Information We Collect

We collect information that you provide directly to us, as well as information that is gathered automatically through your use of our website. The types of information we collect help us provide better service, understand your needs, and improve your experience. All data collection complies with Australian privacy regulations.

How We Use Information

We use the information we collect for various purposes related to providing, maintaining, and improving our services. All usage is designed to enhance your experience, respond to your needs, and operate our business effectively while respecting your privacy rights under Australian law.

• • To provide, operate, and maintain our website and services, including processing consultation requests, scheduling appointments, and delivering the guidance you've requested from our team.
• • To communicate with you regarding your inquiries, appointments, service updates, and responses to your questions or concerns in a timely and professional manner.
• • To improve and personalize your experience on our website by understanding how visitors use the site and which content is most valuable to our audience.
• • To analyze usage patterns, monitor site performance, troubleshoot technical issues, and protect against fraud, security breaches, or other potentially illegal activities or policy violations.
• • To send periodic emails regarding services, updates, or information we believe may be of interest to you, with the ability to opt out at any time.
• • To comply with legal obligations, respond to lawful requests from authorities, enforce our terms and policies, and protect the rights and safety of our business and others.
• • To conduct research and analysis that helps us understand market trends, client needs, and opportunities to enhance our service offerings and consultation methodologies over time.

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties for their marketing purposes. We may share your information only in specific circumstances as described below, and always in compliance with applicable Australian privacy laws and regulations designed to protect consumer data rights.

Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. We are committed to honoring these rights and providing you with control over your data. You may exercise these rights by contacting us through the methods provided at the end of this policy.

• • The right to access the personal information we hold about you and request a copy of your data in a commonly used format.
• • The right to request correction of inaccurate or incomplete personal information we maintain about you in our records or systems.
• • The right to request deletion of your personal information, subject to legal retention requirements and legitimate business needs for record-keeping purposes.
• • The right to receive your personal information in a structured, commonly used format and transmit it to another service provider where technically feasible.
• • The right to object to processing of your personal information for direct marketing purposes or other processing based on legitimate interests.
• • The right to request restriction of processing your personal information in certain circumstances, such as while accuracy is being verified or disputes resolved.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. While we strive to use commercially acceptable means to protect your data, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Retention periods vary depending on the type of information, the purpose for which it was collected, and applicable legal requirements.

• • Account and contact information is retained for the duration of your relationship with us and for a reasonable period thereafter to address inquiries or legal obligations.
• • Consultation records and related communications are retained for up to seven years to comply with Australian record-keeping requirements and professional standards for financial services documentation.
• • Marketing communications data is retained until you unsubscribe or request deletion, at which point we will remove you from marketing lists while retaining minimum necessary records for compliance purposes.
• • Financial information shared during consultations is retained according to regulatory requirements and professional standards, typically for seven years from the last interaction or as legally required.
• • Website analytics and usage data is typically retained for up to two years to understand trends and improve services, with older data aggregated or deleted regularly.

When personal information is no longer needed, we securely delete or anonymize it in accordance with our data retention and destruction policies to prevent unauthorized access or recovery of disposed data.

International Data Transfers

Your information is primarily stored and processed in Australia. However, some of our service providers may be located in other countries. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information in accordance with Australian privacy standards and international best practices.

• • We use service providers that comply with recognized international privacy frameworks and standards to ensure your data receives adequate protection regardless of processing location.
• • Contractual agreements with international service providers include data protection clauses that meet or exceed Australian privacy requirements and establish clear responsibilities for data handling security measures.
• • We assess the privacy laws of destination countries to ensure they provide adequate protection for your personal information before authorizing any international data transfers to those jurisdictions.
• • You have the right to inquire about specific countries where your data may be transferred and the safeguards in place by contacting us directly through provided channels.

Cookies and Tracking

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site usage, and assist in our marketing efforts. Cookies are small text files stored on your device that help websites remember your preferences and understand how you interact with the site over multiple visits.

You can control and manage cookies through your browser settings. However, disabling cookies may affect the functionality of our website and limit your ability to access certain features or content. For more details, see our Cookie Policy.

Changes to Privacy Policy

We reserve the right to modify this Privacy Policy at any time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the Last Updated date at the top of this policy and, for material changes, provide additional notice through our website or direct communication.

• • We will post the updated Privacy Policy on this page with a new effective date, making it immediately available for your review whenever you visit our website.
• • For significant changes that materially affect how we collect, use, or share your personal information, we will provide prominent notice on our website homepage or through direct email communication.
• • Your continued use of our website after changes are posted constitutes acceptance of the updated Privacy Policy and the new practices described within the revised document.
• • If you do not agree with changes to the Privacy Policy, you should discontinue use of our website and contact us to discuss your concerns or data deletion options.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information and respect your privacy rights under current Australian law and regulations.