Privacy Policy
How we collect, use, and protect your personal information
qoravilian respects your privacy. We know that when you share your financial goals and personal details with us, you're placing trust in our hands. This policy explains what information we gather, why we need it, and how we keep it safe.
We're based in Douglas, Queensland, and we follow Australian privacy laws including the Privacy Act 1988 and the Australian Privacy Principles. If something here doesn't make sense, reach out. We'd rather explain it properly than leave you confused.
What Information We Collect
Personal Details You Give Us
When you sign up or use our services, we ask for information that helps us understand your financial situation and goals. This includes your name, email, phone number, and postal address. If you're working through budget planning with us, we'll need details about your income, expenses, and financial objectives.
We collect this when you:
- Create an account on our platform
- Fill out contact forms or request information
- Participate in our learning programs
- Communicate with our support team
- Subscribe to newsletters or updates
Technical Information We Automatically Gather
Like most websites, ours collects some data automatically. We see your IP address, browser type, device information, and which pages you visit. This helps us spot technical problems and understand how people actually use the site. If someone's struggling to find the budgeting tools, for example, we can improve the navigation.
Cookies and tracking: We use cookies to keep you logged in and remember your preferences. Some help us analyze site traffic through services like Google Analytics. You can disable cookies in your browser, though some features might not work as smoothly.
How We Use Your Information
We're not in the business of collecting data for its own sake. Here's what we actually do with what you share:
- Provide our services: We use your details to set up your account, deliver the budget planning tools, and send you relevant educational content about financial goal-setting.
- Communicate with you: When you contact us with questions or need support, we'll respond using the contact information you provided. We also send service updates and important account notifications.
- Improve what we offer: Aggregate data helps us understand patterns. If most users abandon the budget calculator halfway through, that tells us something needs fixing.
- Legal compliance: Sometimes we're required to keep records or verify information under Australian financial services regulations.
- Security and fraud prevention: We monitor for suspicious activity to protect your account and our systems.
We won't use your personal information for marketing unless you've specifically opted in. And we certainly won't sell your data to third parties looking to bombard you with ads.
Sharing Your Information
We don't share your personal details casually. But there are some situations where it's necessary:
Service Providers We Work With
We partner with trusted companies that help us run our platform. This might include hosting providers, email services, or analytics tools. These partners only get access to the information they need to do their job, and they're contractually required to protect your data.
Legal Requirements
If Australian law enforcement or regulatory bodies make a valid legal request, we'll cooperate. We might also share information if we genuinely believe it's necessary to prevent fraud, protect someone's safety, or defend our legal rights.
Business Transitions
If qoravilian is acquired or merges with another company, your information would likely transfer to the new entity. We'd notify you beforehand and explain any changes to how your data is handled.
We never sell, rent, or trade your personal information to marketers or data brokers. That's not our business model, and it never will be.
Your Privacy Rights Under Australian Law
Australian privacy legislation gives you specific rights regarding your personal information. Here's what you can do:
| Your Right | What This Means |
|---|---|
| Access | You can request a copy of the personal information we hold about you. We'll provide this within 30 days. |
| Correction | If information we have is wrong or outdated, you can ask us to fix it. We'll update our records promptly. |
| Deletion | You can request we delete your personal data, subject to legal obligations that might require us to keep certain records. |
| Objection | You can object to certain uses of your information, particularly for marketing purposes. |
| Complaint | If you're unhappy with how we've handled your data, you can complain to us directly or to the Office of the Australian Information Commissioner. |
To exercise these rights, contact us at info@qoravilian.com. We'll verify your identity and process your request as quickly as possible. There's no fee unless your request is clearly excessive or repetitive.
How We Protect Your Data
Financial information deserves serious security. We've implemented multiple layers of protection:
- Industry-standard encryption for data transmission and storage
- Secure servers hosted in Australian data centers with strict physical security
- Regular security audits and vulnerability assessments
- Access controls limiting who on our team can view personal information
- Staff training on data protection and privacy requirements
- Secure backup systems to prevent data loss
That said, no system is completely foolproof. We do everything reasonable to protect your information, but we can't guarantee absolute security. If there's ever a data breach that affects you, we'll notify you and the relevant authorities as required by law.
What You Can Do
Security is a shared responsibility. Choose a strong, unique password for your qoravilian account. Don't reuse passwords from other sites. Log out when using shared computers. Be suspicious of phishing emails claiming to be from us. We'll never ask for your password via email.
Data Retention
We keep your information only as long as we need it. Active account data stays on our systems while you're using our services. If you close your account, we'll delete or anonymize most of your personal information within 90 days.
Some records we're legally required to keep for longer. Financial services regulations in Australia often mandate retention periods of seven years for certain transaction records. We'll hold only what's necessary to meet these obligations.
Anonymized data that can't identify you individually might be retained indefinitely for statistical analysis and service improvement.
International Data Transfers
We primarily store your data in Australia. However, some of our service providers operate servers overseas. When we transfer data internationally, we ensure adequate safeguards are in place through standard contractual clauses or other approved mechanisms.
If you're accessing our services from outside Australia, your information will be transferred to and processed in Australia where our servers are located. By using our services, you consent to this transfer.
Children's Privacy
Our services aren't designed for children under 18. We don't knowingly collect personal information from minors. If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it.
Changes to This Policy
We'll update this policy occasionally as our services evolve or laws change. When we make significant changes, we'll notify you via email or through a prominent notice on our website.
The "Last Updated" date at the top tells you when we most recently revised this document. We encourage you to review this policy periodically to stay informed about how we're protecting your information.
Continued use of our services after changes take effect means you accept the updated policy.
Third-Party Links and Services
Our website might contain links to external sites or integrate with third-party services. We're not responsible for the privacy practices of these other organizations. Before sharing information with them, check their own privacy policies.
When you click a link leaving our site, our privacy policy no longer applies. We can't control what happens to your information on someone else's platform.
Questions About Your Privacy?
If anything in this policy is unclear, or if you want to exercise your privacy rights, we're here to help. Don't hesitate to reach out.