Privacy Policy
Last Updated: March 15, 2025
Your privacy matters to us. This policy explains how tolvranexipa collects, uses, and protects your personal information when you visit our website or use our rolling budget techniques and financial education services.
Information We Collect
Personal Information You Provide
When you interact with our services, we may collect information you voluntarily provide, including:
Name, email address, and phone number when you contact us or sign up for our newsletter
Financial goals and budget preferences when you use our planning tools
Demographic information to better understand our audience
Feedback and survey responses about our educational content
Communication preferences for receiving updates and educational materials
Information Collected Automatically
Our website automatically collects certain technical information when you visit:
| Data Type | Purpose | Retention Period |
|---|---|---|
| IP address and location | Security and regional content delivery | 30 days |
| Browser type and version | Website optimization | 12 months |
| Pages visited and time spent | Content improvement | 24 months |
| Device information | Mobile experience enhancement | 6 months |
How We Use Your Information
We use the information we collect for legitimate business purposes, always in accordance with Australian Privacy Principles under the Privacy Act 1988. Our primary uses include:
Providing personalized financial education and rolling budget guidance
Responding to your inquiries and providing customer support
Sending educational newsletters and updates about our services (with your consent)
Improving our website functionality and user experience
Analyzing usage patterns to develop better educational content
Complying with legal obligations and protecting against fraud
Marketing Communications: We only send marketing emails to subscribers who have explicitly opted in. You can unsubscribe at any time using the link in our emails or by contacting us directly.
Information Sharing and Disclosure
tolvranexipa does not sell, rent, or trade your personal information to third parties. We may share your information only in these specific circumstances:
Service Providers
We work with trusted third-party service providers who help us operate our website and deliver our services. These providers are contractually bound to protect your information and may only use it for the specific services they provide to us.
Legal Requirements
We may disclose your information if required by Australian law, court order, or government regulation. This includes cooperating with law enforcement investigations or protecting the rights and safety of our users and business.
Business Transfers
In the event of a merger, acquisition, or sale of business assets, your information may be transferred to the new entity, subject to the same privacy protections outlined in this policy.
Data Security and Protection
Protecting your personal information is a priority for tolvranexipa. We implement multiple layers of security to safeguard your data:
SSL encryption for all data transmitted between your device and our servers
Regular security audits and vulnerability assessments
Access controls limiting who can view your personal information
Secure data storage with reputable hosting providers in Australia
Regular staff training on privacy and security best practices
Incident response procedures for potential security breaches
While we take extensive precautions to protect your information, no method of internet transmission or electronic storage is completely secure. We continuously update our security measures to address emerging threats.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information. You can exercise these rights by contacting us using the information provided below.
Access and Correction
You have the right to request access to the personal information we hold about you and to request corrections if that information is inaccurate or outdated. We will respond to access requests within 30 days.
Deletion and Restriction
You can request that we delete your personal information or restrict how we use it, subject to certain legal and business requirements. Some information may need to be retained for compliance purposes.
Data Portability
Where technically feasible, you can request that we provide your personal information in a structured, commonly used format that allows you to transfer it to another service provider.
Response Timeframes: We aim to respond to all privacy requests within 30 days. More complex requests may take additional time, and we will keep you informed of our progress.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to improve your browsing experience and understand how our content is being used. We use both essential cookies required for website functionality and optional cookies for analytics.
Essential cookies that enable core website features and security
Analytics cookies that help us understand visitor behavior and improve our content
Preference cookies that remember your settings and customize your experience
You can manage your cookie preferences through your browser settings. Disabling certain cookies may affect some website functionality, but essential features will continue to work.
Data Retention
We retain your personal information only as long as necessary to fulfill the purposes outlined in this privacy policy or as required by Australian law. Our retention periods vary based on the type of information:
Contact information: Retained until you request deletion or unsubscribe
Website analytics: Typically retained for 24 months
Financial education records: Retained for 7 years as required by Australian record-keeping laws
Marketing communications: Retained until you opt out
International Data Transfers
tolvranexipa primarily stores and processes data within Australia. However, some of our service providers may be located overseas. When we transfer data internationally, we ensure appropriate safeguards are in place through:
Contracts requiring overseas providers to meet Australian privacy standards
Transfers only to countries with adequate privacy protections
Regular monitoring of overseas provider compliance
Changes to This Privacy Policy
We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will notify you by email (if you have subscribed to our communications) or by posting a prominent notice on our website.
Minor updates, such as clarifications or formatting changes, may be made without specific notification. We encourage you to review this policy periodically to stay informed about how we protect your information.
Privacy Complaints
If you have concerns about how we handle your personal information, please contact us first so we can work to resolve the issue. If you remain unsatisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
The OAIC can be contacted at 1300 363 992 or through their website at oaic.gov.au. We are committed to working cooperatively with privacy regulators to resolve any complaints.
Contact Us About Privacy
If you have questions about this privacy policy or how we handle your personal information, please contact us:
Email: info@tolvranexipa.com
Phone: +61 2 6208 4066
Address: 2/3 Stewart Pl, Nowra NSW 2541, Australia
We aim to respond to all privacy inquiries within 5 business days.