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talvorianex

Financial Psychology

Privacy Policy

Last updated: March 15, 2025

Introduction

talvorianex ("we", "us", or "our") operates talvorianex.sbs and is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our budget psychology services. We understand that your personal information is valuable, and we take our responsibility to protect it seriously.

This policy applies to all users of our platform and complies with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Commonwealth) and other applicable Australian privacy laws. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.

Information We Collect

We collect information in several ways when you interact with our platform. This includes information you provide directly, information we collect automatically, and information from third parties.

Personal Information You Provide

Contact details including name, email address, phone number, and postal address
Account registration information including username and password
Financial information related to your budget psychology journey (anonymized)
Communication preferences and feedback
Survey responses and assessment results

Automatically Collected Information

IP address, browser type, and device information
Website usage data, pages visited, and time spent on our platform
Cookies and similar tracking technologies
Location data (general geographic area)

How We Use Your Information

Your information helps us provide better services and create more personalized experiences. We use your data responsibly and only for legitimate business purposes.

Purpose Legal Basis Data Types
Service delivery and account management Contract performance Contact details, account information
Educational content customization Legitimate interest Usage data, preferences
Customer support Contract performance Communication records, account details
Marketing communications Consent Contact details, preferences

Data Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share your information in specific circumstances outlined below. Each sharing arrangement includes appropriate safeguards to protect your privacy.

We never share identifiable personal information with marketing companies or data brokers.

Service Providers

We work with trusted third-party service providers who help us operate our platform. These include cloud hosting services, email providers, analytics platforms, and payment processors. All service providers are contractually required to maintain the confidentiality and security of your information.

Legal Requirements

We may disclose your information when required by law, such as in response to a court order, subpoena, or other legal process. We may also share information to protect our rights, property, or safety, or that of our users or the general public.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information. These rights help ensure you maintain control over how your data is used.

Access Right

You can request access to the personal information we hold about you. We'll provide this information within 30 days, subject to identity verification.

Correction Right

If you believe any information we hold is inaccurate or outdated, you can request corrections. We'll update your records promptly once verified.

Deletion Right

You may request deletion of your personal information, subject to our legal obligations and legitimate business needs for record keeping.

Opt-out Rights

You can unsubscribe from marketing communications at any time using the unsubscribe link in emails or by contacting us directly.

Data Security and Protection

We implement comprehensive security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. Our security practices are regularly reviewed and updated to address emerging threats.

Technical Safeguards

SSL encryption for all data transmission
Secure cloud storage with access controls
Regular security audits and vulnerability assessments
Multi-factor authentication for administrative accounts
Automated backup systems with encryption

Administrative Safeguards

Employee training on privacy and security practices
Access controls limiting data access to authorized personnel
Regular review of data handling procedures
Incident response procedures for potential breaches

Data Retention and Deletion

We retain your personal information only as long as necessary for the purposes outlined in this policy or as required by law. Different types of information may have different retention periods based on their purpose and legal requirements.

Data Type Retention Period Reason
Account information Until account closure + 2 years Service provision and legal compliance
Communication records 3 years Customer service and dispute resolution
Usage analytics 2 years (anonymized after 6 months) Service improvement and research
Marketing data Until consent withdrawn + 1 year Marketing compliance and preferences

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and understand how you interact with our content. You have control over cookie settings through your browser preferences.

Types of Cookies We Use

Essential cookies for website functionality and security
Performance cookies to understand website usage and improve services
Preference cookies to remember your settings and choices
Analytics cookies to measure website performance and user engagement

You can control cookie settings through your browser, though disabling certain cookies may affect website functionality. Most browsers allow you to view, manage, and delete cookies through their settings menu.

International Data Transfers

Your information is primarily stored and processed within Australia. However, some of our service providers may process data outside Australia. When this occurs, we ensure appropriate safeguards are in place to protect your information according to Australian privacy standards.

Any international transfers are conducted with service providers who have demonstrated adequate privacy protections through certification programs, contractual commitments, or other approved transfer mechanisms.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you through email or a prominent notice on our website.

We encourage you to review this policy periodically to stay informed about how we're protecting your information. The "Last updated" date at the top of this policy indicates when the most recent changes were made.

Contact Us About Privacy

If you have questions about this Privacy Policy or how we handle your personal information, please contact us:

Email: info@talvorianex.sbs

Phone: +61 412 476 261

Address: 24/170 North Rd, Woodridge QLD 4118, Australia

We aim to respond to all privacy inquiries within 5 business days.

This Privacy Policy is designed to be transparent and comprehensive. If you need clarification on any aspect of how we handle your personal information, please don't hesitate to reach out to us.