Privacy Policy
Your privacy matters to us. This policy explains how xarivoraos collects, uses, and protects your personal information when you use our budget prioritization services.
Last Updated: January 15, 2025 | Effective Date: January 15, 2025
Information We Collect
We collect information you provide directly to us when using our financial education and budget prioritization services. This includes both personal and financial data necessary to deliver personalized budget guidance.
Personal Information
- Name, email address, and phone number
- Postal address for service delivery within Australia
- Age and employment status for budget customization
- Educational background related to financial literacy
Financial Information
- Income levels and sources for budget calculations
- Expense categories and spending patterns
- Financial goals and priority preferences
- Debt information relevant to budget planning
Technical Information
- Device type and browser information
- IP address and location data (Australia only)
- Website usage patterns and preferences
- Session duration and interaction data
How We Use Your Information
Your information helps us provide personalized budget prioritization education and support. We use this data to create meaningful financial learning experiences tailored to your situation.
We never sell your personal information to third parties. Your financial data remains confidential and is used solely for educational purposes.
- Creating personalized budget prioritization plans and educational content
- Sending relevant financial education materials and program updates
- Providing customer support and answering your questions
- Improving our educational programs based on user feedback and needs
- Ensuring compliance with Australian financial education standards
- Conducting research to enhance budget prioritization methodologies
Information Sharing and Disclosure
We maintain strict controls over who has access to your information. Limited sharing occurs only when necessary for service delivery or legal compliance.
| Category | Purpose | Data Shared |
|---|---|---|
| Educational Partners | Program delivery and certification | Name, progress data only |
| Technology Providers | Platform hosting and security | Technical data, no financial details |
| Legal Requirements | Compliance with Australian law | As required by legal authorities |
| Business Operations | Customer support and administration | Contact information only |
Your Privacy Rights Under Australian Law
Under the Privacy Act 1988 and Australian Privacy Principles, you have specific rights regarding your personal information. We're committed to honoring these rights promptly.
Access and Correction Rights
- Request access to your personal information we hold
- Ask for corrections to inaccurate or outdated information
- Receive a copy of your data in a portable format
- Understand how your information is being used
Control and Deletion Rights
- Opt out of marketing communications at any time
- Request deletion of your account and associated data
- Restrict processing of your information in certain circumstances
- Object to processing based on legitimate interests
To exercise these rights, contact us using the information below. We'll respond within 30 days as required by Australian privacy law.
Data Security and Protection
We implement comprehensive security measures to protect your information from unauthorized access, alteration, or disclosure. Your financial data deserves the highest level of protection.
Technical Safeguards
- SSL encryption for all data transmission
- Encrypted storage of financial information
- Regular security audits and vulnerability testing
- Multi-factor authentication for staff access
- Automated backup systems with encryption
Organizational Measures
- Limited access to personal information on a need-to-know basis
- Regular privacy training for all staff members
- Incident response procedures for potential breaches
- Annual review of privacy practices and policies
- Secure disposal of outdated information
Data Retention and Deletion
We retain your information only 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.
| Information Type | Retention Period | Reason |
|---|---|---|
| Account Information | Until account closure + 2 years | Service delivery and support |
| Financial Data | 7 years after last interaction | Australian record-keeping requirements |
| Educational Progress | 5 years after program completion | Certification and verification purposes |
| Marketing Preferences | Until you opt out | Communication compliance |
| Technical Logs | 12 months | Security and system maintenance |
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your experience and understand how you interact with our educational content. You can control these preferences through your browser settings.
Types of Cookies We Use
- Essential cookies for website functionality and security
- Performance cookies to understand website usage patterns
- Preference cookies to remember your settings and choices
- Educational progress cookies to track your learning journey
We don't use advertising cookies or share tracking data with advertising networks. All cookies are designed to improve your educational experience with our budget prioritization tools.
International Data Transfers
Your information is primarily stored and processed within Australia. When we need to transfer data internationally for specific services, we ensure appropriate safeguards are in place to protect your privacy.
Any international transfers comply with Australian Privacy Principles and include contractual protections equivalent to Australian privacy standards.
- Cloud storage providers with Australian data centers where possible
- Educational platform partners in countries with adequate privacy protections
- Technical support services with strict data handling agreements
- Research collaborations with universities under specific privacy protocols
Changes to This Privacy Policy
We may update this privacy policy to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through email or prominent website notices before the changes take effect.
How We Notify You
- Email notification to your registered address at least 30 days before changes
- Website banner highlighting policy updates
- Summary of key changes provided in plain language
- Option to review previous policy versions on request
Privacy Complaints and Disputes
If you have concerns about how we handle your personal information, we're committed to resolving them quickly and fairly. You also have the right to contact the Australian privacy regulator if needed.
Our Complaints Process
- Contact our Privacy Officer using the details below
- We'll acknowledge your complaint within 5 business days
- Investigation and response within 30 days
- Escalation options if you're not satisfied with our response
You can also lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.
Contact Our Privacy Officer
For any privacy-related questions, concerns, or requests, please contact us:
Email: info@xarivoraos.com
Phone: +61412302551
Mail: Privacy Officer, xarivoraos
374 Peel Street, Tamworth NSW 2340, Australia
We typically respond to privacy inquiries within 5 business days and aim to resolve all matters within 30 days as required by Australian privacy law.