Privacy Policy
Your privacy matters to us. This policy explains how zoravianel collects, uses, and protects your personal information when you use our financial services and website.
This Privacy Policy has been updated to reflect current Australian privacy laws and our enhanced data protection measures. We recommend reviewing this policy periodically as we continue to improve our services.
Information We Collect
zoravianel collects various types of information to provide you with comprehensive financial services. We believe in transparency about what data we gather and why we need it for your financial planning and business consulting needs.
Personal Information
- Full name, date of birth, and contact details including phone numbers and email addresses
- Residential and business addresses for service delivery and compliance purposes
- Financial information including income details, bank account information, and credit history
- Tax file number and Australian Business Number when required for tax planning services
- Employment details and business ownership information for comprehensive financial advice
- Investment preferences, risk tolerance, and financial goals to tailor our recommendations
Technical Information
When you visit our website or use our online services, we automatically collect technical information that helps us improve your experience and maintain security. This includes your IP address, browser type and version, operating system, and pages you visit on our site.
| Data Type | Purpose | Retention Period |
|---|---|---|
| Contact Information | Service delivery and communication | 7 years after last contact |
| Financial Records | Advice provision and compliance | 7 years as required by law |
| Website Analytics | Service improvement | 2 years |
| Marketing Preferences | Targeted communications | Until you opt out |
How We Use Your Information
Your information serves specific purposes in delivering quality financial services. We don't use your data for purposes beyond what's necessary for our professional relationship and legal obligations.
Service Delivery
We use your personal and financial information to provide tailored advice, prepare financial plans, and deliver ongoing support services that match your specific circumstances and goals.
Legal Compliance
Australian financial services regulations require us to collect and maintain certain information. We use your data to meet these obligations and protect both your interests and ours.
Communication
We contact you about your services, important updates, and relevant financial information that may affect your plans. You control the frequency and type of communication you receive.
Service Improvement
Anonymous data helps us understand how our services perform and where we can make improvements. This benefits all our clients through enhanced service quality.
Information Sharing and Disclosure
We share your information only when necessary for service delivery or when required by law. Your privacy is protected through strict agreements with any third parties who handle your data.
Authorized Sharing
- Financial product providers when implementing your investment or insurance strategies
- Accounting professionals and tax agents when coordinating your overall financial affairs
- Legal professionals when estate planning or business structuring requires their expertise
- Technology service providers who maintain our systems under strict confidentiality agreements
- Regulatory bodies when compliance reporting is required by Australian financial services law
Third-Party Protections
Every third party who receives your information signs comprehensive confidentiality agreements. They can only use your data for the specific purpose we've authorized and must meet the same privacy standards we maintain. We regularly audit these relationships to make sure your information stays protected.
Data Security Measures
Protecting your information is fundamental to our business. We invest in multiple layers of security to keep your data safe from unauthorized access, loss, or misuse.
Encryption
All sensitive data is encrypted both in transit and at rest using industry-standard AES-256 encryption protocols.
Access Controls
Staff access to your information is limited to those who need it for your service delivery and is regularly monitored.
Secure Storage
Physical and digital records are stored in secure facilities with restricted access and comprehensive backup systems.
Your Privacy Rights
Under Australian privacy law, you have specific rights regarding your personal information. We're committed to honoring these rights and making the process as straightforward as possible.
Access and Correction
You can request access to the personal information we hold about you at any time. If you find any errors or outdated information, we'll correct it promptly at no charge. Simply contact our office, and we'll provide you with a copy of your information within 30 days.
Data Portability
If you want to transfer your information to another financial advisor, we'll provide your data in a commonly used format. This includes your financial plans, investment records, and any other relevant documentation we've prepared during our professional relationship.
Opting Out
You can opt out of marketing communications at any time by clicking unsubscribe links in our emails or contacting us directly. We'll still send you important service-related information, but we'll stop promotional communications immediately.
Making a Privacy Complaint
If you're not satisfied with how we've handled your personal information, you can lodge a complaint with us first. We'll investigate and respond within 30 days. If you're still not satisfied, you can contact the Office of the Australian Information Commissioner at oaic.gov.au.
Data Retention and Deletion
We keep your information only as long as necessary for service delivery and legal compliance. Different types of information have different retention periods based on regulatory requirements and practical needs.
International Data Transfers
Some of our technology providers operate servers outside Australia, particularly in the United States and United Kingdom. When your information is transferred internationally, it's protected by strict agreements that require the same privacy standards we maintain in Australia.
We only use providers who meet international privacy standards and have been certified under recognized privacy frameworks. Your information receives the same level of protection regardless of where it's processed.
Cookies and Website Technology
Our website uses cookies and similar technologies to improve your browsing experience and provide personalized content. You can control cookie settings through your browser, though some features may not work properly if you disable certain cookies.
Types of Cookies We Use
- Essential cookies that make the website function properly and securely
- Analytics cookies that help us understand how visitors use our site
- Preference cookies that remember your settings and choices
- Marketing cookies that help us show you relevant content and advertisements
Changes to This Policy
We review and update this privacy policy regularly to reflect changes in our services, technology, or legal requirements. When we make significant changes, we'll notify you by email and post the updated policy on our website.
Minor updates for clarity or regulatory changes may be made without individual notification, but we'll always update the "last modified" date at the top of this policy. We encourage you to review this policy periodically to stay informed about how we protect your privacy.
Special Circumstances
In certain situations, we may need to handle your information differently. For example, if you're involved in legal proceedings or regulatory investigations, we may be required to preserve records beyond normal retention periods or provide information to authorized parties.
We'll always inform you when such circumstances arise, unless legally prohibited from doing so. Your privacy remains our priority even in these exceptional situations.