Information We Collect

We collect different types of information depending on how you use our services. Some of this is provided directly by you, while other data is collected automatically through your interactions with our platform.

Personal Information You Provide

When you register for our learning program or contact us for information, you might share:

• Your full name and contact details (email address, phone number)
• Postal address as shown in our records (51 Myers Street, Bendigo VIC 3552, Australia)
• Financial preferences and budget planning goals
• Payment information for course enrollment
• Communication preferences and feedback

Automatically Collected Data

Our website collects technical information to improve your experience:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our site
• Referring website and search terms used
• Cookie data and session identifiers

How We Use Your Information

Your data helps us deliver better educational content and personalized budget planning tools. We use your information for specific purposes that align with our mission to help Australians manage their finances more effectively.

We don't use your information for purposes beyond what we've described here. If our practices change, we'll update this policy and notify you.

Data Sharing and Disclosure

We keep your information within our organization whenever possible. However, there are specific situations where we share data with trusted partners or as required by law.

Service Providers

We work with third-party companies that help us operate our platform. These include hosting providers, payment processors, and email service providers. All partners are bound by confidentiality agreements and can only use your data to perform services on our behalf.

Legal Requirements

Sometimes we're legally obligated to share information. This happens when:

• Australian courts issue valid subpoenas or court orders
• Government agencies request data under lawful authority
• We need to protect our legal rights or prevent harm
• Business transactions require disclosure (like mergers or acquisitions)

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We've built systems to make exercising these rights straightforward.

Access and Correction

You can request a copy of the personal information we hold about you. If you find inaccuracies, let us know and we'll correct them promptly. Send access requests to info@silvariona.com with "Data Access Request" in the subject line.

Deletion Rights

You can ask us to delete your personal information in certain circumstances. We'll process deletion requests within 30 days, though some data might need to be retained for legal or accounting purposes. Financial records, for instance, must be kept for seven years under Australian tax law.

Marketing Preferences

Unsubscribe from marketing emails anytime using the link in our messages. You'll still receive essential communications about your enrollment and account, but we'll stop sending promotional content.

Complaints Process

If you're concerned about how we've handled your information, contact our privacy officer at info@silvariona.com. We'll investigate and respond within 30 days. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner.

Data Security Measures

Protecting your information is something we take seriously. We've implemented multiple layers of security to prevent unauthorized access, disclosure, or loss.

• Industry-standard encryption for data transmission (TLS 1.3)
• Secure servers located in Australian data centers
• Regular security audits and vulnerability assessments
• Staff training on privacy and security best practices
• Access controls limiting who can view personal information
• Backup systems to prevent data loss

While we use robust security measures, no system is completely impenetrable. We can't guarantee absolute security, but we're constantly working to strengthen our defenses against evolving threats.

Data Retention Periods

We don't keep your information longer than necessary. Retention periods vary based on the type of data and legal requirements.

Active Users

While you're actively using our services, we maintain your account information and learning progress. This helps us provide continuous service and track your educational journey through our budget planning curriculum.

Inactive Accounts

If you haven't logged in for 24 months, we'll send a reminder email. After 30 months of inactivity, we'll archive your account and delete non-essential data. You can reactivate your account within 36 months by contacting us.

Financial Records

Payment records and enrollment history are kept for seven years to comply with Australian taxation laws. After this period, we securely delete or anonymize this information.

Cookies and Tracking

Our website uses cookies to remember your preferences and understand how you use our platform. Most are essential for the site to work properly, while others help us improve your experience.

Essential Cookies

These keep you logged in and remember your settings. Without them, the site wouldn't function properly. Essential cookies don't track your activity outside our website.

Analytics Cookies

We use analytics to understand which features are most helpful and where users encounter difficulties. This data is aggregated and doesn't identify you personally.

You can adjust your browser settings to block cookies, though some features might not work as smoothly. Most browsers let you control cookies through their privacy settings.

Children's Privacy

Our services are designed for adults who are managing their own finances or learning budget planning skills. We don't knowingly collect information from anyone under 18 without parental consent.

If you're a parent who discovers your child has provided us with personal information without your knowledge, contact us immediately. We'll delete that information from our systems within 48 hours.

International Data Transfers

Your data is stored on servers within Australia. We occasionally work with service providers based overseas, particularly for cloud hosting and payment processing. When we transfer data internationally, we ensure adequate protections are in place through:

• Standard contractual clauses approved by the Australian government
• Partners certified under recognized privacy frameworks
• Countries with substantially similar privacy protections to Australia

We currently use providers in the United States and European Union who maintain high privacy standards comparable to Australian law.

Changes to This Policy

We review and update this privacy policy annually or whenever our practices change significantly. When we make important changes, we'll notify you via email and display a prominent notice on our website.

The "Last Updated" date at the top of this page shows when we most recently revised the policy. We encourage you to check this page periodically, especially before sharing new information with us.

If changes affect how we use data you've already provided, we'll seek your consent before applying new practices to that existing information.