Information We Collect

When you use our services, we collect different types of information. Some you provide directly, and some we gather automatically as you navigate our platform. Here's what we typically collect:

• Personal identifiers: Your name, email address, phone number, and postal address when you register or contact us
• Financial information: Income details, investment preferences, financial goals, and other data you share during consultations
• Technical data: IP address, browser type, device information, and how you interact with our website
• Communication records: Emails, messages, and notes from our conversations with you
• Location data: General location based on your IP address to provide relevant regional information

We don't collect sensitive financial data like bank account numbers or credit card details unless absolutely necessary for specific services you've requested. And when we do, we use secure encrypted channels.

How We Use Your Information

Your data helps us provide better financial planning services. We're not in the business of selling your information or using it for anything you haven't agreed to. Here's how we put your data to work:

We keep marketing separate from service communications. You'll always receive important updates about programs you've enrolled in, but promotional emails are optional.

Data Protection and Security

Protecting your information is something we think about constantly. We use industry-standard security measures, but we're also realistic about what that means.

No system is completely foolproof. If we experience a data breach that affects your information, we'll notify you and the relevant authorities as required by Australian Privacy Principles (APPs) under the Privacy Act 1988.

Information Sharing and Third Parties

We don't sell your personal information. Period. But we do work with some third-party services to run our business effectively. Here's who might see your data and why:

Service Providers

We use trusted companies for things like email delivery, website hosting, payment processing, and analytics. These providers only access the information they need to do their job, and they're contractually obligated to protect your data.

Legal Requirements

Sometimes we're legally required to share information with government agencies or law enforcement. This happens when we receive valid legal requests, need to enforce our terms, or protect someone's safety.

Business Transfers

If imarenaequin is acquired or merges with another company, your information would likely be transferred. We'd notify you beforehand and explain how the new entity will handle your data.

Australian Privacy Principles Compliance

As an Australian business, we comply with the Privacy Act 1988 and the thirteen Australian Privacy Principles (APPs). These principles govern how we handle your personal information and give you specific rights.

If you believe we've breached the APPs or Australian privacy law, you can lodge a complaint with us first. If you're not satisfied with our response, you have the right to contact the Office of the Australian Information Commissioner (OAIC).

Your Rights and Choices

You have significant control over your personal information. Here's what you can do:

Access Your Data

You can request a copy of all personal information we hold about you. We'll provide it within 30 days, usually in a portable format like PDF or CSV.

Correct Inaccuracies

If something's wrong or outdated, let us know. We'll update it promptly and notify any third parties we've shared the incorrect information with.

Request Deletion

You can ask us to delete your personal information. We'll honor this unless we have a legal obligation to retain certain records (like financial transaction records we're required to keep for seven years under Australian tax law).

Opt Out of Marketing

Every marketing email includes an unsubscribe link. Click it, and you won't receive promotional content anymore. Service-related communications will continue if you're enrolled in active programs.

Object to Processing

If you don't want us using your data for certain purposes (like analytics or marketing), you can object. We'll stop unless we have compelling legitimate grounds to continue.

Data Retention

We keep your information for as long as you're using our services and for a reasonable period afterward. Specific retention periods depend on the type of data:

• Account information: Retained while your account is active, plus 2 years after closure
• Financial records: Kept for 7 years to comply with Australian taxation laws
• Communication records: Stored for 3 years after the last interaction
• Marketing data: Removed within 30 days of opting out
• Technical logs: Typically deleted after 12 months

After these periods, we securely delete or anonymize your information so it can't be traced back to you.

Cookies and Tracking Technologies

Like most websites, we use cookies and similar technologies. These are small files stored on your device that help us remember your preferences and understand how you use our site.

Essential Cookies

These make the website function properly. They remember your login status and preferences. You can't disable these without breaking the site's functionality.

Analytics Cookies

We use these to understand which pages are popular, where people get stuck, and how to improve the user experience. The data is aggregated and anonymous.

Managing Cookies

Your browser lets you control cookie settings. You can block all cookies, but this might affect how our website works. Most browsers also offer private browsing modes that don't store cookies after you close the window.

Children's Privacy

Our services are designed for adults. We don't knowingly collect information from anyone under 18 without parental consent. If you're a parent and believe we've collected data from your child, contact us immediately so we can delete it.

Some of our educational resources might be suitable for older teenagers interested in financial literacy, but we still require parental oversight for anyone under 18.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and post a notice on our website at least 30 days before the changes take effect.

The "Last Updated" date at the top of this page shows when we last revised the policy. We encourage you to review it periodically, especially before sharing new personal information with us.