Privacy Policy and Data Protection

Our Commitment to Your Privacy

At zenoliravaex, we take your privacy seriously and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our financial planning subscription services.

We comply with the Australian Privacy Principles under the Privacy Act 1988 and other applicable privacy laws to ensure your personal information is handled responsibly and securely.

Information We Collect

We may collect the following types of information when you use our services:

• • Contact information including name, email address, phone number, and postal address
• • Financial information relevant to planning discussions including income, assets, and financial goals
• • Technical information such as IP address, browser type, and website usage patterns
• • Communication records including consultation notes, emails, and support interactions

How We Use Your Information

We use your personal information for the following purposes:

• • To provide personalised financial planning consultations and services
• • To communicate with you about your subscription and service updates
• • To improve our services based on usage patterns and client feedback
• • To comply with legal obligations and regulatory requirements
• • To protect our legitimate business interests and prevent fraud or misuse

Legal Basis for Processing

We process your personal information based on several legal grounds:

We process your data based on your consent for marketing communications, contract performance for service delivery, compliance with legal obligations, and legitimate interests for business operations and fraud prevention.

How We Share Your Information

We may share your personal information in the following limited circumstances:

• • With trusted service providers who help us deliver our services, under strict confidentiality agreements
• • When required by law or to comply with legal processes, court orders, or regulatory requirements
• • To protect our rights, property, safety, or the rights and safety of our clients and the public
• • In connection with a business transaction such as a merger, acquisition, or sale of assets, subject to confidentiality protections

Data Security and Protection

We implement appropriate technical and organisational security measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. This includes encryption, access controls, secure data storage, and regular security assessments. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Financial planning records are typically retained for seven years in accordance with Australian regulatory requirements, after which they are securely disposed of.

Your Privacy Rights

Under Australian privacy law and other applicable regulations, you have the following rights:

• • Right to access the personal information we hold about you and receive a copy of your data
• • Right to request correction of inaccurate or incomplete personal information
• • Right to request deletion of your personal information in certain circumstances
• • Right to request that we limit the processing of your personal information
• • Right to receive your personal information in a portable format for transfer to another service provider
• • Right to object to processing of your personal information for direct marketing or other purposes
• • Right to withdraw consent at any time where processing is based on your consent

Cookies and Website Analytics

Our website uses cookies and similar technologies to enhance your browsing experience and analyse website usage.

For detailed information about our cookie practices, please see our separate Cookie Policy. Cookie Policy

Third-Party Links and Services

Our website may contain links to third-party websites or integrate with third-party services. We are not responsible for the privacy practices of these external sites and recommend reviewing their privacy policies before providing any personal information.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes through email or website notice, and the updated policy will be effective from the date specified.

Contact Us About Privacy

If you have questions about this Privacy Policy, want to exercise your privacy rights, or have concerns about how we handle your personal information, please contact us: