Privacy Policy

Introduction to Our Privacy Practices

Information We Collect From You

We collect personal information that you provide directly when contacting us, requesting consultations, or using our website. The types of information we collect depend on your interactions with our services and may include contact details, financial situation information shared during consultations, and technical data from website visits.

How We Use Your Information

We use collected information primarily to provide consultation services, communicate with clients, improve our website and offerings, and fulfill legal obligations. We do not sell personal information to third parties or use it for purposes unrelated to our consultation services.

• • Providing consultation services including scheduling sessions, delivering personalized recommendations, and supporting implementation of budgeting frameworks discussed during consultations
• • Communicating with you about consultations, responding to inquiries, sending appointment reminders, and providing follow-up support as part of our services
• • Improving our website functionality, consultation processes, and service offerings based on usage patterns, feedback, and identified needs
• • Processing payments for consultation services through secure third-party payment processors while maintaining necessary transaction records
• • Analyzing aggregated, de-identified data to understand trends, improve service quality, and develop better consultation approaches without revealing individual information
• • Complying with legal obligations including tax reporting, record-keeping requirements, and responding to lawful requests from authorities
• • Protecting our legitimate business interests including preventing fraud, ensuring website security, and defending against legal claims

How We Share Information

We share personal information only in limited circumstances necessary to provide services, comply with legal obligations, or protect legitimate interests. We do not sell, rent, or trade personal information to third parties for their marketing purposes.

Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. You can exercise these rights by contacting us using the information provided at the end of this policy. We will respond to requests within reasonable timeframes as required by law.

• • Access your personal information we hold, requesting copies of data we've collected about you through consultations or website interactions
• • Correct inaccurate or incomplete information, ensuring our records reflect your current and accurate personal details
• • Request deletion of your personal information in certain circumstances, subject to legal record-keeping obligations and legitimate business needs
• • Receive personal information you've provided in a structured, commonly used format, and request transfer to another service provider where technically feasible
• • Object to processing of your information for specific purposes including direct marketing communications or certain analytical activities
• • Request restriction of processing in specific situations such as while we verify accuracy of disputed information or assess objections to processing

How We Protect Your Information

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

How Long We Keep Information

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods vary depending on the type of information and the nature of our relationship with you.

• • Active client information is retained throughout our consulting relationship and for a reasonable period afterward to support follow-up consultations
• • Consultation records and notes maintained for the duration required to provide ongoing support and for seven years thereafter for business record-keeping
• • Email correspondence and communication records kept for three years to maintain continuity of client relationships and support quality service
• • Transaction records and payment information retained for seven years to comply with tax reporting and financial record-keeping legal requirements
• • Contact information for individuals who have inquired about services but not become clients retained for two years unless deletion is requested

After applicable retention periods expire, we securely delete or anonymize personal information. You may request earlier deletion in certain circumstances, subject to our legal obligations to maintain records.

International Data Transfers

Our operations are based in Australia, and we primarily store and process data within Australia. However, some service providers we use may process or store data in other countries. When information is transferred internationally, we ensure appropriate safeguards are in place.

• • Service providers in other countries are carefully selected based on their privacy practices and compliance with international data protection standards
• • Contractual protections require international service providers to maintain security standards comparable to those required under Australian privacy law
• • Data transferred outside Australia is limited to what is necessary for specific service functions such as secure payment processing or website hosting
• • We monitor international service providers to ensure ongoing compliance with privacy obligations and address any concerns about data protection practices

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance functionality, understand usage patterns, and improve user experience. Cookies are small text files stored on your device that help the website remember your preferences and interactions.

You can control cookies through your browser settings. Blocking essential cookies may affect website functionality. For detailed information about our cookie practices, please review our Cookie Policy.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, services, legal requirements, or operational needs. When we make material changes, we will notify you through appropriate means and update the effective date.

• • Material changes affecting how we collect or use personal information will be communicated through prominent website notice before taking effect
• • Existing clients will be notified of significant policy changes via email to the address on file, providing reasonable notice before changes take effect
• • The effective date at the bottom of this policy indicates when the current version became active, helping you track when changes were made
• • Continued use of our website or services after changes take effect constitutes acceptance of the updated policy

We encourage you to review this policy periodically to stay informed about how we protect your information. Previous versions are available upon request if you wish to understand what has changed over time.