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Building stronger financial foundations through practical budget planning education

Privacy Policy

Your privacy matters to us. We're committed to protecting your personal information and being transparent about how we collect, use, and safeguard your data.

Last Updated: March 15, 2025 | Effective Date: March 15, 2025

Information We Collect

When you use aeroyarayxo's budget contingency planning services, we collect information that helps us provide better financial guidance and educational resources. We believe in being upfront about what we gather and why.

Personal Information

Your name, email address, phone number, and postal address when you sign up for our services or contact us. We also collect billing information when you purchase our educational programs.

Financial Data

Budget information, income details, and financial goals you share during consultations. This helps us provide personalized contingency planning advice that actually makes sense for your situation.

Usage Information

How you interact with our website, which resources you access, and what educational content interests you most. This helps us improve our materials and create better learning experiences.

Communication Records

Emails, phone calls, and chat messages when you contact our support team. We keep these to ensure we can follow up properly and maintain continuity in our assistance.

How We Use Your Information

We're not in the business of collecting data just to have it. Every piece of information serves a specific purpose in helping you build better financial security through proper contingency planning.

Service Delivery

Your personal and financial information allows us to create customized budget contingency plans that reflect your actual circumstances. Generic advice doesn't work when you're planning for unexpected expenses or income changes.

Educational Content

We use aggregated data about what topics interest our users to develop new educational materials. If everyone's asking about emergency funds for job loss, we'll create more resources on that topic. But we never share individual details.

Communication and Support

Contact information helps us respond to your questions, send program updates, and provide ongoing support. We might also send relevant educational content, but you can opt out anytime.

Your Privacy Rights

Under Australian privacy laws, you have significant control over your personal information. These aren't just legal requirements for us – they're commitments we take seriously.

  • Access Your Information
    Request a copy of all personal information we hold about you. We'll provide this within 30 days, and there's no charge for reasonable requests.
  • Correct Inaccurate Data
    If something we have on file is wrong, let us know and we'll fix it promptly. Accurate information helps us provide better service anyway.
  • Delete Your Information
    Request deletion of your personal data, subject to legal requirements. Some information may need to be retained for tax or regulatory purposes, but we'll explain what and why.
  • Restrict Processing
    Ask us to limit how we use your information while we resolve any concerns you might have about accuracy or processing.
  • Data Portability
    Get your information in a format you can use elsewhere. We'll provide common file formats like CSV or PDF that work with most financial planning tools.
  • Withdraw Consent
    Change your mind about marketing communications or optional data sharing anytime. Essential service communications will continue until you close your account.

Data Security Measures

Financial information deserves serious protection. We've implemented multiple layers of security to keep your data safe from unauthorized access, theft, or misuse.

Encryption

All data transmission uses TLS 1.3 encryption, and sensitive information is encrypted at rest using AES-256 standards. Your financial details are protected both in transit and storage.

Access Controls

Staff access to your information is limited to those who need it for service delivery. All access is logged and monitored, with regular reviews of permissions.

Regular Audits

Third-party security assessments every six months, plus internal vulnerability testing. We also maintain compliance with Australian financial services data requirements.

Incident Response

Established procedures for handling any security incidents, including immediate containment, investigation, and notification of affected users within 72 hours as required by law.

Data Retention and Deletion

We don't keep your information forever. Different types of data have different retention periods based on legal requirements and practical needs.

1

Active Account Period

While you're using our services, we maintain your full profile and financial information to provide ongoing support and track your progress.

2

18 Months After Account Closure

Basic account information and transaction records are kept to handle any disputes or questions. Financial advice records are retained per regulatory requirements.

3

7 Years Maximum

All personal information is deleted after seven years, which meets Australian taxation and financial services record-keeping requirements. Some anonymized usage data may be retained for service improvement.

Information Sharing and Disclosure

We're selective about when and how we share your information. Your financial details aren't for sale, and we don't share them except in specific, limited circumstances.

Service Providers

Some trusted third parties help us deliver our services – payment processors, email delivery services, and cloud hosting providers. These partners sign strict confidentiality agreements and can only use your information for the specific services they provide to us.

Legal Requirements

Sometimes we're legally required to share information with government agencies, courts, or regulatory bodies. This might happen in response to subpoenas, tax investigations, or regulatory audits. We'll notify you unless prohibited by law.

Business Transfers

If aeroyarayxo is acquired or merged with another company, your information would transfer to the new owners. We'd notify you beforehand and ensure the new company maintains the same privacy protections.

Cookies and Website Tracking

Our website uses cookies to improve your experience and help us understand how people use our educational resources. You can control these through your browser settings.

Essential Cookies

These keep the website functioning properly – remembering your login, maintaining your session, and ensuring forms work correctly. These can't be disabled without breaking core functionality.

Analytics Cookies

We use these to see which pages are most helpful and where people might be getting stuck. The information is aggregated and doesn't identify individual users. You can opt out through our cookie preferences.

Australian Privacy Compliance

This privacy policy complies with the Australian Privacy Act 1988 and the Australian Privacy Principles. As a financial education service operating in Australia, we're committed to meeting local privacy standards and providing clear information about your rights under Australian law.

Changes to This Policy

We'll update this policy when our practices change or when required by law. Significant changes will be communicated via email and posted prominently on our website at least 30 days before taking effect.

Minor updates – like clarifying existing practices or fixing typos – will be posted directly with an updated revision date. We encourage you to review this policy periodically to stay informed about how we protect your information.

Privacy Questions or Concerns

Have questions about your privacy rights or how we handle your information? We're here to help and respond to all privacy inquiries within five business days.

Email

privacy@aeroyarayxo.com

Phone

+61 2 6931 5756

Mail

52 Camaro St
Runcorn QLD 4113
Australia