Privacy Policy
1 Information We Collect
At temavtaroavion, we understand that managing financial stress requires trust. We collect only the information necessary to provide you with effective financial stress management services and educational resources.
- Personal details you provide during registration (name, email, phone number)
- Financial stress assessment responses and program participation data
- Communication records from our educational sessions and consultations
- Website usage information through cookies and analytics tools
- Payment information processed through secure third-party payment processors
- Feedback and survey responses related to our programs and services
We never collect sensitive financial account information like bank account numbers or credit card details directly. All payment processing is handled through PCI-compliant third-party services.
2 How We Use Your Information
Your information helps us deliver personalized financial stress management education and support. We use this data responsibly and only for legitimate educational and business purposes.
| Purpose | Information Used | Legal Basis |
|---|---|---|
| Program delivery and support | Contact details, assessment responses | Contract performance |
| Educational content customization | Program participation data | Legitimate interest |
| Communication and updates | Email address, communication preferences | Consent |
| Service improvement | Usage data, feedback responses | Legitimate interest |
3 Data Storage and Security
We implement comprehensive security measures to protect your personal information. Our data storage practices comply with Australian Privacy Principles and international security standards.
- Data encryption both in transit and at rest using industry-standard protocols
- Regular security audits and vulnerability assessments
- Access controls limiting staff access to necessary information only
- Secure Australian-based data centers with physical and digital safeguards
- Regular backups with encrypted storage and tested recovery procedures
- Staff training on privacy protection and data handling best practices
We retain your personal information for as long as necessary to provide our services, typically 7 years after your last interaction with our programs, in accordance with Australian business record-keeping requirements.
4 Your Privacy Rights
Under Australian privacy law, you have significant control over your personal information. We respect these rights and provide clear processes for exercising them.
Access Your Data
Request a copy of all personal information we hold about you, including how it's been used and shared.
Correct Information
Update or correct any inaccurate or incomplete personal information in our records.
Delete Your Data
Request deletion of your personal information, subject to legal and contractual obligations.
Limit Processing
Restrict how we use your information in certain circumstances while maintaining essential services.
Data Portability
Receive your personal information in a structured format for transfer to another service provider.
Withdraw Consent
Opt out of marketing communications and other consent-based processing at any time.
5 Information Sharing and Disclosure
We don't sell or rent your personal information to third parties. We only share information when necessary for service delivery, legal compliance, or with your explicit consent.
- Educational partners who assist in program delivery under strict confidentiality agreements
- Technology service providers for website hosting, email delivery, and analytics
- Payment processors for secure transaction handling
- Legal authorities when required by Australian law or court orders
- Professional advisors bound by confidentiality obligations
All third-party partners are contractually required to protect your information and use it only for specified purposes. We conduct regular reviews to ensure compliance with our privacy standards.
6 Cookies and Website Analytics
Our website uses cookies to enhance your experience and help us understand how our educational resources are used. You maintain control over these technologies.
- Essential cookies for website functionality and security
- Analytics cookies to understand content effectiveness and user preferences
- Performance cookies to optimize loading times and user experience
- Preference cookies to remember your settings and customizations
You can manage cookie preferences through your browser settings. Disabling certain cookies may affect website functionality, but essential features will remain available.
7 International Data Transfers
While we primarily store data within Australia, some service providers may process information internationally. We ensure appropriate safeguards are in place for any international transfers.
- Adequacy decisions recognizing equivalent privacy protection standards
- Standard contractual clauses approved by privacy authorities
- Certification schemes ensuring appropriate data protection measures
- Regular monitoring of international processing activities
8 Children's Privacy Protection
Our financial stress management programs are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 18 without parental consent.
If we become aware that we've collected information from someone under 18 without appropriate consent, we'll take steps to delete that information promptly and prevent future unauthorized collection.
9 Privacy Policy Updates
We review and update this privacy policy regularly to reflect changes in our practices, services, and legal requirements. We'll notify you of significant changes through email or website announcements.
Changes take effect 30 days after notification unless immediate implementation is required for legal compliance or security reasons. Your continued use of our services after changes indicates acceptance of updated terms.
Privacy Questions or Concerns?
temavtaroavion Financial Stress Management
Rockingham, WA 6168, Australia
Email: info@temavtaroavion.com
Phone: +61 456 163 835
We aim to respond to all privacy inquiries within 10 business days. For urgent matters, please indicate this in your initial communication.