Privacy Policy

Welcome to tiloravena

Information We Collect

We collect personal information necessary to provide financial guidance services and improve your experience. The types of information we collect fall into two main categories: information you provide directly and information collected automatically through your use of our website and services.

How We Use Information

We use collected information for specific purposes related to providing financial guidance services, improving your experience, and fulfilling legal obligations. We do not sell your personal information to third parties. The primary uses of your information include:

• • Providing consultation services including scheduling appointments, preparing for sessions, delivering personalized guidance, and maintaining records of our discussions for continuity.
• • Processing payments for services through secure third-party payment processors and maintaining transaction records for accounting and tax compliance purposes.
• • Communicating with you about appointments, service updates, responses to inquiries, and administrative matters related to your engagement with our services.
• • Improving our website and services through analysis of usage patterns, identification of technical issues, and understanding how clients interact with our content.
• • Sending marketing communications about our services, financial guidance resources, and relevant updates if you have opted in to receive such communications.
• • Complying with legal obligations including tax reporting, record-keeping requirements, responding to lawful requests from authorities, and protecting our legal rights.
• • Ensuring security and preventing fraud by detecting suspicious activity, protecting against unauthorized access, and maintaining the integrity of our systems and data.

Information Sharing

We do not sell, rent, or trade your personal information. We share information only in limited circumstances necessary for service delivery, legal compliance, or with your explicit consent. Third parties who receive information are required to protect it and use it only for specified purposes.

Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. We respect these rights and provide mechanisms for exercising them. You may contact us at any time to exercise the following rights:

• • Access: Request a copy of personal information we hold about you and understand how it is used.
• • Correction: Request correction of inaccurate, incomplete, or outdated information in our records.
• • Deletion: Request deletion of your personal information subject to legal retention requirements and legitimate business needs.
• • Portability: Receive your data in structured, commonly used format for transfer to another service provider where technically feasible.
• • Objection: Object to processing of your information for direct marketing purposes or other specific uses.
• • Restriction: Request limitation on how we use your information while we address concerns about accuracy or processing.

Information Security

We implement reasonable technical, administrative, and physical safeguards to protect personal information from unauthorized access, disclosure, alteration, or destruction. However, no internet transmission or electronic storage method is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

Information Retention

We retain personal information for as long as necessary to fulfill purposes for which it was collected, provide services, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods vary based on information type and regulatory requirements.

• • Client consultation records retained for seven years following last service to comply with financial record-keeping requirements.
• • Website usage and analytics data typically retained for two years unless longer retention serves legitimate business purposes.
• • Email communications and correspondence retained for duration of client relationship plus three years for reference and continuity.
• • Payment and transaction records retained for seven years to comply with tax and accounting regulations under Australian law.
• • Marketing subscription information retained until you unsubscribe or request deletion, at which point we remove you promptly from lists.

When information is no longer needed, we securely delete or anonymize it. You may request earlier deletion subject to legal requirements that mandate retention for specific periods.

International Data Transfers

Your information is primarily stored and processed in Australia. Some service providers we use may store or process data outside Australia, including in the United States and Europe. When we transfer information internationally, we ensure appropriate safeguards are in place:

• • Service providers in countries with adequate privacy protections recognized under Australian law or equivalent frameworks ensuring appropriate data protection standards.
• • Contractual commitments from service providers to protect your information consistent with Australian privacy standards through standard contractual clauses or similar mechanisms.
• • Compliance with cross-border data transfer requirements under Australian Privacy Principles before transferring information to overseas recipients for processing.
• • Regular assessment of service providers' security practices and compliance with contractual obligations to protect information they handle on our behalf.

Cookies and Tracking

We use cookies and similar technologies to improve website functionality, analyze usage, remember preferences, and provide personalized experience. Cookies are small text files stored on your device. You can control cookie settings through your browser, though disabling certain cookies may limit website functionality.

For detailed information about specific cookies we use and how to manage preferences, please review our separate Cookie Policy available on our website.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in practices, services, legal requirements, or regulatory guidance. We will notify you of material changes through prominent notice on our website or direct communication if we have your contact information.

• • Posting updated policy on our website with new effective date clearly displayed at the top of the document.
• • Email notification to active clients about significant changes that materially affect how we handle personal information.
• • Reasonable notice period before changes take effect, allowing you to review modifications and decide whether to continue using services.
• • Maintaining archive of previous policy versions available upon request for reference and transparency about historical practices.

Continued use of our services after policy changes take effect constitutes acceptance of updated terms. If you disagree with changes, please contact us to discuss concerns or discontinue service use.