Privacy Policy

1. Information We Collect

When you use arovtelouueli's services, we collect different types of information to help you better manage your financial priorities. Here's what that looks like in practice.

Personal Identification Information

We collect basic details you provide directly when creating an account or contacting us. This includes your name, email address, phone number, and postal address. If you're working with our consulting team, we might also collect professional details relevant to your financial situation.

Financial Information

Because we help with budget prioritization, you might share financial data with us. This could include income information, expense categories, budget goals, and spending patterns. We only collect what's necessary for providing our services, and you control what you choose to share.

Technical and Usage Data

Like most websites, we automatically collect certain technical information when you visit. This includes your IP address, browser type, device information, and how you interact with our platform. We use this to improve our services and fix technical issues.

2. How We Use Your Information

We're not in the business of selling your data. Everything we collect serves a specific purpose related to helping you manage your finances more effectively.

• Service Delivery: We use your information to provide budget prioritization tools, generate recommendations, and deliver the services you've signed up for.
• Communication: We'll contact you about your account, service updates, and respond to your inquiries. You can opt out of marketing communications anytime.
• Platform Improvement: We analyze usage patterns to understand what works and what doesn't, helping us build better tools for everyone.
• Security and Fraud Prevention: Your data helps us detect suspicious activity and protect both your account and our platform from misuse.
• Legal Compliance: Sometimes we need to use your information to comply with Australian privacy laws and financial regulations.

3. Data Storage and Security

Your information is stored on secure servers located in Australia. We use industry-standard encryption both when data is transmitted and when it's stored on our systems.

Our security measures include encrypted databases, regular security audits, restricted employee access to personal data, and secure backup systems. We also monitor our systems continuously for potential vulnerabilities.

While we take security seriously and invest in protection measures, no system is completely immune to breaches. If a data breach occurs that affects your information, we'll notify you within 72 hours as required under Australian privacy legislation.

4. Sharing Your Information

We don't sell your personal information. There are limited circumstances where we share data with third parties, and it's always for specific purposes.

Service Providers

We work with trusted companies that help us operate our platform. This might include hosting providers, email service providers, and analytics tools. These partners only access the data they need to perform their specific functions and are contractually required to protect your information.

Legal Requirements

We may disclose your information if required by Australian law, court order, or government request. We'll notify you about such requests unless legally prohibited from doing so.

Business Transfers

If arovtelouueli is acquired or merged with another company, your information may be transferred. We'll notify you before your data becomes subject to a different privacy policy.

5. Your Rights Under Australian Privacy Law

The Australian Privacy Act 1988 gives you specific rights regarding your personal information. Here's what you can do and how to exercise these rights.

• Access Your Data: You can request a copy of all personal information we hold about you. We'll provide this within 30 days of your request.
• Correct Inaccurate Information: If your details are wrong or outdated, you can ask us to correct them. You can update most information directly through your account settings.
• Delete Your Data: You can request deletion of your account and associated data. We'll complete this within 30 days, though we may retain certain information for legal compliance purposes.
• Restrict Processing: You can ask us to limit how we use your information in certain circumstances, such as while we verify data accuracy.
• Data Portability: You can request your data in a structured, commonly used format that you can transfer to another service provider.
• Object to Processing: You can object to certain uses of your data, particularly for direct marketing purposes.

To exercise any of these rights, email us at info@arovtelouueli.com with your request. We'll verify your identity before processing your request to protect your information from unauthorized access.

6. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your experience. Cookies are small files stored on your device that help us remember your preferences and understand how you use our platform.

Types of Cookies We Use

• Essential Cookies: These are necessary for the website to function. They include session cookies that keep you logged in and remember your settings.
• Analytics Cookies: We use these to understand how visitors interact with our site, which pages are most popular, and where users encounter problems.
• Preference Cookies: These remember your choices like language preferences or display settings.

You can control cookie settings through your browser preferences. Keep in mind that disabling certain cookies may affect how our platform functions for you.

7. Data Retention

We keep your information only as long as necessary for the purposes outlined in this policy. Different types of data have different retention periods based on legal requirements and business needs.

Account information and financial data are retained for the duration of your active account plus seven years afterward. This retention period aligns with Australian tax and financial record-keeping requirements.

Usage analytics and technical data are typically retained for 24 months. Communication records are kept for five years from the date of last contact to help resolve any potential disputes or questions about our services.

When retention periods expire, we securely delete or anonymize your information so it can no longer identify you personally.

8. International Data Transfers

Your data is primarily stored and processed within Australia. However, some of our service providers operate globally, which means your information might occasionally be transferred to or accessed from overseas locations.

When we transfer data internationally, we ensure appropriate safeguards are in place through standard contractual clauses or other mechanisms approved under Australian privacy law. These protections ensure your data receives equivalent protection regardless of where it's processed.

9. Children's Privacy

arovtelouueli's services are designed for adults managing their own finances. We don't knowingly collect information from anyone under 18 years of age. If you're under 18, please don't provide any personal information through our platform.

If we discover we've inadvertently collected information from someone under 18, we'll delete it promptly. Parents or guardians who believe we might have information about a minor should contact us immediately.

10. Changes to This Privacy Policy

We update this policy occasionally to reflect changes in our practices, legal requirements, or service features. When we make significant changes, we'll notify you by email or through a prominent notice on our platform.

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

Continued use of our services after policy changes indicates your acceptance of the updated terms. If you disagree with changes, you can close your account by contacting our support team.

11. Third-Party Links

Our platform might contain links to external websites or services that aren't operated by arovtelouueli. We're not responsible for the privacy practices of these third-party sites.

When you click on external links, you're leaving our platform and entering sites governed by their own privacy policies. We encourage you to read the privacy statements of any third-party sites you visit.

12. Complaints and Disputes

If you have concerns about how we've handled your personal information, please contact us first. We take complaints seriously and will work with you to resolve any issues.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). The OAIC is the government body responsible for privacy regulation in Australia.

You can reach the OAIC at 1300 363 992 or through their website at oaic.gov.au. They'll investigate your complaint and work toward a resolution.