Privacy Policy

At qarivosent, we are committed to protecting your personal information and your right to privacy. This privacy policy explains what information we collect, how we use it, and your rights regarding your data.

Information We Collect

We collect personal information that you voluntarily provide when engaging with our consultation services:

• Contact details including name, email address, phone number, and mailing address when you schedule consultations or communicate with us.
• Financial information you choose to share during consultations to help us understand your situation and provide relevant guidance.
• Communication records including consultation notes, email correspondence, and documentation you provide to support discussions about your financial planning needs.
• Technical information such as IP address, browser type, and device information when you visit our website, collected through cookies and similar technologies.

How We Use Information

We use collected information for the following purposes:

• To provide personalized financial planning consultations tailored to your individual circumstances and goals as discussed during sessions.
• To communicate with you regarding scheduled consultations, follow-up questions, and additional resources relevant to topics discussed during your sessions.
• To improve our consultation services by analyzing patterns and feedback, helping us better serve future clients while maintaining confidentiality.
• To comply with legal obligations under Australian law and maintain records as required by financial services regulations.

Legal Basis for Processing

Under Australian Privacy Principles, we process your personal information based on:

Your consent when you voluntarily provide information for consultations, legitimate interests in providing and improving our services, contractual necessity to deliver consultation services you've requested, and legal obligations under Australian financial services and privacy legislation.

Information Sharing

We limit information sharing to necessary circumstances:

• We do not sell, rent, or trade your personal information to third parties for marketing purposes under any circumstances.
• We may share information with service providers who assist in delivering our consultation services, bound by confidentiality agreements.
• We may disclose information when required by Australian law, court order, or governmental regulation, or to protect our legal rights and the safety of our clients and staff.

Data Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encrypted communications, secure storage systems, access controls, and regular security assessments. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

Your Rights

Under Australian privacy law, you have the following rights regarding your personal information:

• Access: You may request copies of personal information we hold about you and receive details about how we process that information.
• Correction: You may request correction of inaccurate or incomplete personal information we maintain about you in our records.
• Deletion: You may request deletion of your personal information, subject to legal obligations that may require us to retain certain records.
• Complaint: You may lodge a complaint with the Office of the Australian Information Commissioner if you believe we have violated your privacy rights.

Cookies and Tracking

Our website uses cookies and similar tracking technologies to enhance user experience and analyze site traffic. You can control cookie preferences through your browser settings. For detailed information about our use of cookies, please review our separate Cookie Policy.

View Cookie Policy View Cookie Policy

Contact Information

If you have questions about this privacy policy or wish to exercise your privacy rights, please contact us:

Changes to Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our website with a revised effective date.