toramivenlusq - Financial Planning

Privacy Policy

toramivenlusq Financial Planning Services

Last updated: February 15, 2025

At toramivenlusq, we believe your personal information deserves the highest level of protection. This privacy policy explains how we collect, use, store and safeguard your data when you use our financial milestone planning services. We're committed to maintaining transparency about our data practices while helping you achieve your financial goals.

Information We Collect

We collect several types of information to provide you with personalised financial planning services. This includes information you provide directly, data we gather automatically, and information from third-party sources when necessary.

Data Type Examples Purpose
Personal Identifiers Name, email, phone number, address Account management and communication
Financial Information Income, expenses, assets, debts, financial goals Creating personalised financial plans
Technical Data IP address, browser type, device information Platform security and improvement
Usage Data Pages visited, features used, time spent Service enhancement and personalisation

How We Use Your Information

Your data helps us deliver effective financial planning services tailored to your specific circumstances. We process your information based on legitimate business interests, contractual obligations, and your consent where required.

  • Develop comprehensive financial milestone plans based on your goals and circumstances
  • Monitor your progress towards financial objectives and provide timely updates
  • Send educational content and market insights relevant to your financial situation
  • Comply with Australian financial services regulations and reporting requirements
  • Improve our platform functionality and develop new features
  • Prevent fraud and maintain the security of your account

Australian Privacy Principles Compliance

We strictly adhere to the Privacy Act 1988 and Australian Privacy Principles. This means we only collect information that's reasonably necessary for our services, we're transparent about our data practices, and we give you control over your personal information.

Data Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share your data in specific circumstances to deliver our services effectively or meet legal obligations.

  • Financial institutions for account verification and transaction processing
  • Professional service providers including accountants and legal advisors when relevant to your financial plan
  • Technology service providers who help us maintain platform security and functionality
  • Regulatory bodies when required by Australian financial services legislation
  • Credit reporting agencies if you apply for credit products through our platform

All third-party service providers are carefully vetted and bound by confidentiality agreements. We ensure they meet the same data protection standards we maintain.

Your Privacy Rights

A

Access Your Data

Request a copy of all personal information we hold about you. We'll provide this within 30 days in a clear, accessible format.

C

Correct Information

Update or correct any inaccurate personal details in your account. You can make changes directly through your dashboard or contact our support team.

D

Delete Your Data

Request deletion of your personal information, subject to legal and regulatory requirements. We'll explain any limitations before processing your request.

R

Restrict Processing

Limit how we use your data while maintaining essential service functionality. We'll work with you to find solutions that meet your privacy preferences.

O

Object to Processing

Withdraw consent for certain data uses, particularly marketing communications. Your core financial planning services won't be affected.

P

Data Portability

Receive your data in a structured, machine-readable format for transfer to another service provider if you choose to switch.

Data Security and Storage

We implement multiple layers of security to protect your financial information. Our security measures combine industry-standard encryption, secure access controls, and regular security audits.

  • 256-bit SSL encryption for all data transmission
  • Advanced firewall protection and intrusion detection systems
  • Multi-factor authentication for all staff accessing client data
  • Regular penetration testing and vulnerability assessments
  • Secure data centres with physical access controls
  • Encrypted data storage with regular security key rotation

We retain your data for as long as necessary to provide services and meet regulatory requirements. Financial planning records are typically kept for seven years after service completion, in line with Australian Taxation Office requirements.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and provide personalised services. You can control cookie settings through your browser preferences.

  • Essential cookies for platform functionality and security
  • Analytics cookies to understand how you use our services
  • Preference cookies to remember your settings and customisation choices
  • Marketing cookies to show relevant financial planning content

International Data Transfers

While we primarily store data within Australia, some service providers may process information overseas. When this occurs, we ensure appropriate safeguards are in place to protect your privacy rights.

We only transfer data to countries with adequate privacy protections or use contractual safeguards that meet Australian privacy standards. You'll be notified if significant changes to our international data handling practices occur.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our services, technology, and legal requirements. When we make significant changes, we'll notify you through your registered email address and provide a clear summary of the updates.

Minor updates, such as contact information changes or clarifications, may be posted directly to this page. We encourage you to review this policy periodically to stay informed about how we protect your information.

Contact Our Privacy Team

Privacy Officer: toramivenlusq Privacy Team
Email: privacy@toramivenlusq.com
Phone: +61749268233
Address: Suite 6 River Walk Arcade, 470 High St, Maitland NSW 2320, Australia
Response Time: We aim to respond to privacy inquiries within 5 business days