Privacy Policy

When you work with us on budget preparation, we need certain information to provide meaningful financial guidance. Here's what we collect and why it matters:

Personal Identification Details

We collect your name, email address, phone number, and postal address. Pretty standard stuff. We need this to communicate with you about your budget plans and send you relevant financial documentation.

Financial Information

This is where it gets more specific. To help you prepare an accurate budget, we collect:

• Income sources and amounts (salary, investments, rental income)
• Regular expenses and spending patterns
• Financial goals and timeframes
• Current debt obligations and payment schedules
• Asset information when relevant to budget planning

We don't need access to your bank accounts or credit cards directly. You provide this information through our secure forms and consultation sessions.

Usage Information

Our website collects technical data about how you interact with our services. This includes your IP address, browser type, pages you visit, and time spent on different sections. We use this to improve our platform and understand which tools are most helpful.

Your data serves specific purposes. We don't collect information just to have it sitting in a database somewhere.

1. Creating and maintaining your budget preparation materials and financial planning documents
2. Communicating with you about your budget progress, upcoming consultations, and relevant financial updates
3. Improving our services based on what works and what doesn't for our clients
4. Complying with Australian financial regulations and legal requirements
5. Protecting against fraudulent activity and unauthorized access to our systems
6. Sending occasional educational content about budget management (you can opt out anytime)

We don't sell your personal information to third parties. Period. That's not our business model, and it never will be.

Financial information deserves serious protection. Here's how we keep your data secure:

We store your data on servers located in Australia, which means your information stays subject to Australian privacy laws. Our hosting partners meet ISO 27001 security standards and comply with the Australian Privacy Principles.

The Privacy Act 1988 and Australian Privacy Principles give you specific rights regarding your personal information. We take these seriously.

To exercise any of these rights, email us at info@jolantisvero.com with your request. Include your full name and the email address associated with your account. We'll verify your identity and respond within 30 days.

We share your information only when necessary to provide our services or when required by law. Here's the complete picture:

Service Providers

We work with carefully selected third-party providers who help us operate our business. These include:

• Cloud hosting providers for secure data storage
• Email service providers for client communications
• Payment processors for handling service fees
• Analytics tools to understand website usage

All these providers sign data processing agreements with us and are bound by confidentiality obligations. They can only use your information to provide services to us, not for their own purposes.

Legal Requirements

Sometimes we're legally required to disclose information. This happens when:

• Australian taxation authorities request information under lawful authority
• Law enforcement agencies issue valid legal requests
• We're complying with court orders or legal processes
• We need to protect our legal rights or prevent fraud

Business Transfers

If jolantisvero is acquired by or merged with another company, your information would be transferred as part of that transaction. We'd notify you before this happens and explain any changes to how your data is handled.

We keep your information for as long as you're an active client, plus a period afterwards to meet legal requirements.

Active Client Data

While you're using our services, we maintain all your information to provide ongoing budget preparation support and consultation.

After Service Ends

When you stop using our services, we retain your data for seven years. This meets Australian taxation record-keeping requirements and allows us to respond to any questions or disputes that might arise.

Marketing Data

If you've signed up for our newsletter or educational content without becoming a client, we keep your email address until you unsubscribe. You can do this anytime by clicking the unsubscribe link in any email we send.

Deletion Process

When the retention period ends, we securely delete your information from our active systems and backups. This includes overwriting data to prevent recovery. You can request earlier deletion, though we may need to retain certain information for legal reasons.

Our website uses cookies and similar technologies. Let's break down what these do:

Essential Cookies

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

Analytics Cookies

We use these to understand how people use our site. Which pages are most helpful? Where do people get stuck? This helps us improve the experience. You can opt out of analytics tracking through your browser settings.

What We Don't Use

We don't use advertising cookies or third-party tracking for marketing purposes. We don't sell advertising space or share your browsing behavior with ad networks.

Most browsers let you control cookies through their settings. Keep in mind that blocking essential cookies will prevent you from using certain features of our website.

We primarily store and process data within Australia. However, some of our service providers operate globally, which means your information might occasionally be accessed from other countries.

When this happens, we ensure these providers meet Australian privacy standards through:

• Data processing agreements that require compliance with Australian Privacy Principles
• Standard contractual clauses approved for international transfers
• Verification that recipient countries have adequate privacy protections
• Technical measures like encryption during transfer and storage

We specifically avoid transferring data to jurisdictions with weak privacy protections or where government surveillance might compromise your information.

Our budget preparation services are designed for adults managing their finances. We don't knowingly collect information from anyone under 18 years old.

If a parent or guardian believes we've inadvertently collected information from a minor, please contact us immediately at info@jolantisvero.com. We'll delete this information promptly.

Privacy regulations evolve, and so do our services. When we update this policy, we'll post the new version here with an updated date at the top.

For minor changes (like clarifying existing practices or fixing typos), we'll just update the policy. For significant changes that affect how we use your information, we'll email you directly at least 30 days before the changes take effect.

You can always find the current version of this policy at jolantisvero.com/privacy-and-security.html. We also maintain an archive of previous versions if you want to see what's changed over time.

If you're not happy with how we've handled your personal information, we want to know about it. Here's how to raise a concern:

1. Email our privacy officer at info@jolantisvero.com with details of your complaint. Include what happened, when it happened, and what outcome you're seeking.
2. We'll acknowledge your complaint within 5 business days and investigate the issue thoroughly.
3. You'll receive a detailed response within 30 days explaining what we found and what we're doing to address your concern.
4. If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC).