Privacy Policy

This Privacy Policy describes how phyralivento Financial collects, uses, and protects personal information provided through our website and consultation services. We are committed to protecting your privacy and handling your data responsibly in accordance with Australian privacy legislation.

Information We Collect

We collect information you provide directly and certain data generated through your interaction with our website and services.

• Contact information including name, email address, phone number, and location details provided through inquiry forms or consultation scheduling.
• Financial context information you share during consultation sessions, including general expense patterns, income information, and budgeting objectives relevant to service provision.
• Communication records including correspondence, consultation notes, and documentation created during service delivery for continuity and reference purposes.
• Technical information such as IP addresses, browser types, device information, and website usage patterns collected through standard web technologies and analytics tools.

How We Use Information

Personal information collected serves specific purposes related to service delivery, communication, and operational improvement.

• Providing consultation services including session preparation, personalized guidance development, follow-up support, and ongoing service delivery as requested.
• Communication regarding your inquiries, scheduled consultations, service updates, and responses to questions or concerns you raise.
• Service improvement through analysis of website usage patterns, understanding client needs, and identifying opportunities to enhance consultation quality and accessibility.
• Legal compliance and business operations including record maintenance, regulatory requirements, and protecting legitimate interests of our business and clients.

Legal Basis for Processing

Under Australian privacy principles, we process personal information based on several legal foundations depending on context.

Primary bases include consent you provide when submitting information, contractual necessity for service delivery, legitimate interests in business operations and improvement, and legal obligations under Australian financial services regulations. You may withdraw consent for certain processing activities, though this may affect our ability to provide services.

Information Sharing

We share personal information only in limited circumstances necessary for service provision and legal compliance.

• Service providers including technology platforms, communication tools, and administrative support services that assist in delivering consultations and maintaining operations. These providers are contractually bound to protect information appropriately.
• Professional advisors such as legal counsel, accountants, and insurance providers when necessary for business operations and risk management.
• Regulatory authorities or legal processes when required by law, court order, or legitimate legal requests from government agencies. We will notify you of such disclosures unless legally prohibited.

Data Security

We implement reasonable security measures to protect personal information from unauthorized access, alteration, disclosure, or destruction. These include secure data transmission protocols, access controls, regular security assessments, and staff training. However, no internet transmission or electronic storage method is completely secure. While we strive to protect information, we cannot guarantee absolute security against all potential threats.

Your Rights

Under Australian Privacy Act provisions, you have several rights regarding personal information we hold about you.

• Access your personal information by requesting copies of data we maintain. We will provide this within reasonable timeframes, subject to identity verification and certain legal exceptions.
• Correction of inaccurate or incomplete information. If you believe data we hold is incorrect, you may request updates or corrections, which we will implement if appropriate.
• Deletion of personal information in certain circumstances, though we may retain data when legally required or when legitimate business needs justify retention.
• Complaint submission to us regarding privacy concerns or to the Office of the Australian Information Commissioner if you believe we have not addressed issues appropriately.

Cookies and Tracking

Our website uses cookies and similar technologies for functionality, analytics, and user experience improvement. These include essential cookies for site operation and analytical cookies for understanding usage patterns. You can control cookie preferences through browser settings, though disabling certain cookies may affect site functionality.

View Cookie Policy View Cookie Policy

Privacy Inquiries

For questions, concerns, or requests regarding this Privacy Policy or how we handle personal information, contact us through the following channels. We will respond to privacy inquiries within reasonable timeframes.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in practices, legal requirements, or service offerings. Material changes will be communicated through website notification or direct contact. Continued use of services after policy updates constitutes acceptance of revised terms.