Privacy Policy
Your privacy matters to us. Learn how we protect and handle your personal information.
Introduction and Overview
At ethiravaliso, we're committed to protecting your privacy and being transparent about how we collect, use, and safeguard your personal information. This Privacy Policy explains our practices when you use our financial services platform, visit our website at ethiravaliso.com, or interact with our investment goal planning tools.
We understand that trust is essential when handling financial information. That's why we've designed our privacy practices to give you control over your personal data while enabling us to provide you with personalized financial guidance and services. This policy applies to all users of our platform, whether you're browsing our educational content or actively using our investment planning services.
Quick Summary
We collect information to help you achieve your financial goals, we don't sell your personal data to third parties, and you have complete control over how we use your information. You can request to see, correct, or delete your data at any time.
Information We Collect
We collect different types of information to provide you with personalized financial services and improve your experience on our platform. The information we gather helps us understand your financial goals and provide relevant guidance tailored to your situation.
Personal Information
Name, email address, phone number, date of birth, and residential address. This basic information helps us verify your identity and communicate with you about your account.
Financial Information
Income details, investment preferences, risk tolerance, and financial goals. We use this to provide personalized investment recommendations and track your progress.
Usage Data
How you interact with our platform, pages visited, features used, and time spent on different sections. This helps us improve our services and user experience.
Device Information
IP address, browser type, operating system, and device identifiers. We use this for security purposes and to ensure our platform works properly on your device.
How We Collect Information
- Directly from you when you create an account or fill out forms
- Automatically when you use our website through cookies and tracking technologies
- From third-party services you choose to connect to your account
- Through customer service interactions and support communications
- When you participate in surveys, webinars, or educational programs
How We Use Your Information
Your information serves several important purposes that directly benefit your experience with our financial services. We've designed our data usage practices to focus on helping you achieve your investment goals while maintaining the highest standards of privacy protection.
Primary Uses
- Providing personalized investment recommendations based on your goals and risk tolerance
- Managing your account and processing your financial planning requests
- Communicating important updates about your investments and market changes
- Delivering educational content that matches your financial learning interests
- Ensuring the security of your account and detecting fraudulent activity
- Improving our platform features based on user behavior and feedback
- Complying with Australian financial services regulations and reporting requirements
We also use aggregated and anonymized data to conduct research, develop new features, and create educational content that benefits our entire user community. This research helps us understand financial trends and improve our services without compromising individual privacy.
Marketing Communications
We'll only send you marketing emails if you've opted in to receive them. You can unsubscribe at any time using the link in our emails or by contacting us directly. We never share your information with external marketing companies.
Information Sharing and Disclosure
We believe your financial information should remain private and secure. We don't sell, rent, or trade your personal information to third parties for their marketing purposes. However, there are specific circumstances where we may need to share certain information to provide you with our services or comply with legal requirements.
When We Share Information
- With financial institutions to process investments and transactions on your behalf
- With service providers who help us operate our platform (hosting, analytics, customer support)
- When required by Australian law, court orders, or regulatory authorities
- To protect our rights, property, or safety, or that of our users
- In connection with a merger, acquisition, or sale of business assets
- With your explicit consent for specific purposes
All third-party service providers we work with are required to maintain strict confidentiality and security standards. They can only use your information for the specific services they provide to us and are prohibited from using it for their own purposes.
Third-Party Integrations
If you choose to connect external financial accounts or services to your ethiravaliso account, we'll only access the information necessary to provide our services. You can disconnect these integrations at any time through your account settings.
Data Security and Protection
Protecting your financial information is our top priority. We've implemented comprehensive security measures designed to safeguard your data from unauthorized access, alteration, disclosure, or destruction. Our security practices meet industry standards and comply with Australian financial services regulations.
Security Measures
- 256-bit SSL encryption for all data transmission between your device and our servers
- Multi-factor authentication options to secure your account access
- Regular security audits and penetration testing by independent security firms
- Encrypted storage of sensitive financial data using advanced encryption standards
- Access controls that limit employee access to customer data on a need-to-know basis
- Continuous monitoring for suspicious activity and automated threat detection
- Regular security training for all staff members who handle customer information
While we maintain robust security measures, no system is completely immune to security risks. We continuously update our security practices and will notify you promptly if we become aware of any security incident that may affect your personal information.
Your Role in Security
You can help protect your account by using a strong, unique password, enabling two-factor authentication, and never sharing your login credentials. Always log out completely when using our platform on shared or public devices.
Data Retention and Deletion
We retain your personal information only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Different types of information have different retention periods based on their purpose and legal requirements.
Retention Periods
- Account information: Retained while your account is active and for 7 years after closure for regulatory compliance
- Transaction records: Kept for 7 years as required by Australian financial services regulations
- Communication records: Retained for 3 years to assist with customer service and dispute resolution
- Usage and analytics data: Aggregated data may be retained indefinitely for research and service improvement
- Marketing preferences: Kept until you unsubscribe or request deletion
When we no longer need your information, we securely delete or anonymize it using industry-standard data destruction methods. For financial records subject to regulatory requirements, we maintain them for the legally required periods before secure deletion.
Early Deletion Requests
You can request early deletion of your account and associated data at any time. However, we may need to retain certain information to comply with legal obligations or resolve any outstanding matters related to your account.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information. We're committed to helping you exercise these rights and will respond to your requests promptly and transparently.
Access Your Data
Request a copy of all personal information we hold about you, including how we've used it and who we've shared it with.
Correct Information
Update or correct any inaccurate or incomplete personal information in your account at any time.
Delete Your Data
Request deletion of your personal information, subject to legal retention requirements for financial records.
Restrict Processing
Limit how we use your information for specific purposes while maintaining essential account functions.
Data Portability
Request your data in a structured, machine-readable format to transfer to another service provider.
Withdraw Consent
Opt out of optional data processing activities like marketing communications or analytics programs.
To exercise any of these rights, contact us using the information provided at the end of this policy. We'll verify your identity and respond to your request within 30 days. There's no charge for most requests, though we may apply a reasonable fee for excessive or repetitive requests.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze how you use our services. These tools help us provide personalized content and improve our platform's functionality.
Types of Cookies
- Essential cookies: Required for basic platform functionality and security
- Preference cookies: Remember your settings and personalization choices
- Analytics cookies: Help us understand user behavior and improve our services
- Marketing cookies: Used to deliver relevant content and measure campaign effectiveness
You can control cookie settings through your browser preferences, though disabling certain cookies may limit some platform features. We also provide cookie preference controls within your account settings where you can opt out of non-essential tracking.
Third-Party Analytics
We use analytics services to understand user behavior and improve our platform. These services may collect information about your use of our website and other sites. You can opt out of analytics tracking through your account preferences.
Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll notify you through email or a prominent notice on our platform before the changes take effect.
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 it was most recently revised. Continued use of our services after policy updates constitutes acceptance of the revised terms.
Notification Methods
- Email notification to your registered email address for material changes
- In-app notifications when you next log into your account
- Website banner notifications for important updates
- Direct mail for changes affecting Australian regulatory compliance
Contact Us About Privacy
If you have questions about this Privacy Policy, want to exercise your privacy rights, or need to report a privacy concern, we're here to help.
Phone: +61 7 3347 9588
Address: 33 Beresford Ln, Newcastle West NSW 2302, Australia