plenozarivian Financial Planning ("plenozarivian", "we", "us", or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website plenozarivian.com or use our family financial planning services in Australia.

Information We Collect

We collect information that you provide directly to us, information we obtain automatically when you use our services, and information from third-party sources. The types of information we may collect include:

Information Type	Examples	Collection Method
Personal Identifiers	Name, email address, phone number, postal address	Forms, account registration, consultations
Financial Information	Income, expenses, assets, investment goals	Financial planning consultations, surveys
Technical Data	IP address, browser type, device information	Website analytics, cookies
Communication Records	Email correspondence, consultation notes	Client communications, service delivery

How We Use Your Information

We use the information we collect for various legitimate business purposes, including providing our financial planning services, improving our offerings, and communicating with you. Specifically, we may use your information to:

• Provide personalized financial planning advice and recommendations tailored to your family's circumstances
• Process service requests and manage your account with plenozarivian
• Communicate important updates about your financial plans or our services
• Analyze website usage patterns to improve user experience and service delivery
• Comply with Australian financial services regulations and legal obligations
• Protect against fraud and ensure the security of our systems and services

Information Sharing and Disclosure

plenozarivian may share your information in limited circumstances with trusted partners who assist us in providing our services. We maintain strict controls over how these partners handle your data and require them to protect it with the same level of care that we do.

We may disclose your information to:

• Professional service providers such as accountants, legal advisors, or investment platforms when necessary for your financial planning
• Technology service providers who help maintain our website and secure client data systems
• Regulatory authorities when required by Australian financial services law or court orders
• Emergency contacts or family members when you have explicitly provided consent or in urgent financial situations

Your Privacy Rights Under Australian Law

As an Australian resident, you have specific rights regarding your personal information under the Privacy Act 1988. These rights empower you to maintain control over your data and understand how it's being used.

• Right to access personal information we hold about you and receive a copy in a readily accessible format
• Right to correct inaccurate or incomplete information and request updates to your records
• Right to request deletion of your personal information, subject to legal and regulatory retention requirements
• Right to restrict or object to certain uses of your information, particularly for marketing purposes
• Right to lodge a complaint with the Office of the Australian Information Commissioner if you believe we've mishandled your information
• Right to receive notification of any data breaches that may affect your personal information

Data Security and Protection

We implement comprehensive security measures to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction. Our security practices include industry-standard encryption, secure data transmission protocols, and regular security audits.

Specific security measures include encrypted data storage, multi-factor authentication for staff access, regular software updates and security patches, and secure disposal of physical documents containing personal information. However, no method of transmission over the internet or electronic storage is completely secure, so we cannot guarantee absolute security.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by Australian law. Financial planning records are typically retained for seven years following the end of our professional relationship, as required by Australian financial services regulations.

When we no longer need your information, we securely delete or destroy it using industry-standard data destruction methods. You may request earlier deletion of certain information, though some data must be retained to comply with our legal obligations.

Cookies and Website Analytics

Our website uses cookies and similar technologies to enhance your browsing experience and analyze website performance. These small data files help us remember your preferences, understand which content is most valuable to visitors, and improve our online services.

You can control cookie settings through your browser preferences, though disabling certain cookies may affect website functionality. We use both session cookies (deleted when you close your browser) and persistent cookies (stored for longer periods) to provide optimal service.

International Data Transfers

While we primarily store and process your information within Australia, some of our technology service providers may be located overseas. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information according to Australian privacy standards.

Any international transfers comply with Australian Privacy Principles and include contractual protections requiring overseas recipients to handle your data with the same level of protection required in Australia.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we will notify you through email or prominent notices on our website before the changes take effect.

We encourage you to review this policy regularly to stay informed about how we protect your information. Your continued use of our services after policy changes indicates acceptance of the updated terms.

Contact Information for Privacy Matters

If you have questions about this Privacy Policy, want to exercise your privacy rights, or need to report a privacy concern, please contact our Privacy Officer using the information below:

We aim to respond to privacy inquiries within 30 days of receipt. For urgent privacy matters, please call our main number and request to speak with the Privacy Officer.