Privacy Policy

Information We Collect

When you visit our website or sign up for our budget contingency planning services, we gather different types of information. Some of it you give us directly, and some we collect automatically.

We don't collect information we don't need. If you're just browsing our site, we only gather basic technical data through cookies and analytics tools.

How We Use Your Information

Your data helps us provide better services and communicate with you effectively. Here's what we actually do with it:

Service Delivery

We use your contact details to respond to enquiries, schedule consultations, and deliver the budget planning services you've requested. Your financial information helps us create tailored contingency strategies that match your specific situation.

Communication

We'll send you service updates, educational content about financial planning, and occasional information about new offerings. You can opt out of marketing emails anytime — just click the unsubscribe link at the bottom.

Website Improvement

Technical and usage data helps us understand which parts of our site work well and which need improvement. We analyse this information to make your experience better, but we don't track individual browsing habits for marketing purposes.

Data Storage and Security

We store your information on secure servers located in Australia. All sensitive data is encrypted both during transmission and at rest. Our systems are protected by industry-standard security measures including firewalls, intrusion detection, and regular security audits.

Only authorised team members can access your personal information, and they're bound by strict confidentiality agreements. We review our security practices regularly and update them as new threats emerge.

Sharing Your Information

We don't sell your data to anyone. Period. But we do work with some trusted partners to deliver our services:

All these partners are bound by confidentiality agreements and can only use your data for the specific purposes we've authorised. We verify that they maintain security standards at least as strict as ours.

Legal Requirements

Sometimes we're legally obligated to share information with government agencies or regulators. This might happen if there's a court order, regulatory investigation, or legal requirement under Australian law. We'll only share what's necessary and notify you when possible.

Cookies and Tracking

Our website uses cookies — small text files that help us remember your preferences and understand how you use our site. Most are essential for basic functionality, while others help us improve your experience.

You can control cookies through your browser settings. Blocking all cookies might affect how some features work, but you'll still be able to access most of our content.

We use Google Analytics to understand visitor behaviour. This tool collects anonymous data about page views, time spent on site, and navigation patterns. We've configured it to anonymise IP addresses and respect Do Not Track signals.

Your Rights Under Australian Law

The Privacy Act 1988 gives you several rights regarding your personal information:

To exercise any of these rights, contact us using the details below. We'll respond within 30 days and won't charge a fee unless your request is clearly unreasonable or excessive.

Children's Privacy

Our services are designed for adults managing their finances. We don't knowingly collect information from anyone under 18. If we discover we've accidentally gathered data from a minor, we'll delete it immediately.

Changes to This Policy

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

The effective date at the top shows when this version came into effect. We recommend checking back periodically, especially if you haven't visited in a while.

Data Breaches

If a data breach occurs that's likely to result in serious harm, we'll notify affected individuals and the Office of the Australian Information Commissioner as required by law. We'll explain what happened, what data was affected, and what steps we're taking to address the situation.

Our incident response plan includes immediate containment, thorough investigation, and remediation to prevent future occurrences. We take these situations extremely seriously and have systems in place to detect and respond quickly.