Information We Collect

We collect information to provide better financial advisory services and improve your experience with theravixora. The information we gather falls into several categories, each serving specific purposes in delivering our services.

We only collect information that's relevant to providing our financial advisory services. You can choose not to provide certain information, though this may limit our ability to offer personalized recommendations.

How We Use Your Information

Your information helps us deliver personalized financial guidance and maintain the quality of our services. Here's how we put your data to work:

• Provide personalized financial recommendations based on your goals and circumstances
• Process your inquiries and deliver our learning programs effectively
• Send important updates about your account and our services
• Improve our website functionality and user experience
• Comply with Australian financial services regulations and legal requirements
• Protect against fraud and maintain the security of our platform
• Analyze usage patterns to enhance our educational content

Data Storage and Security

Protecting your information is fundamental to our operations. We've implemented multiple layers of security to safeguard your data against unauthorized access, modification, or disclosure.

Your data is stored on secure servers located in Australia, ensuring compliance with local data protection laws. We use industry-standard encryption for data transmission and storage, including SSL certificates for all website communications.

Our security measures include:

• Advanced encryption protocols for all data transmission and storage
• Regular security audits and vulnerability assessments
• Access controls limiting staff access to necessary information only
• Secure backup systems with geographically distributed storage
• Multi-factor authentication for all administrative accounts
• Regular software updates and security patch management

Despite our robust security measures, no system is completely immune to threats. We continuously monitor and update our security practices to address emerging risks.

Your Privacy Rights

Under Australian privacy legislation, including the Privacy Act 1988, you have specific rights regarding your personal information. We're committed to honoring these rights and making the process as straightforward as possible.

To exercise any of these rights, contact our privacy officer using the details provided at the end of this policy. We may need to verify your identity before processing your request to ensure we're protecting your information appropriately.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and meet legal obligations. Different types of information have different retention periods based on their purpose and regulatory requirements.

When retention periods expire, we securely delete or anonymize your information. For financial records, we follow ASIC guidelines and may need to retain certain information longer than our standard periods.

Sharing and Disclosure

We share your information only when necessary to provide our services or when required by law. Our approach to data sharing is conservative and always prioritizes your privacy interests.

We may share your information in these specific circumstances:

• With service providers who help deliver our programs (learning management systems, email platforms)
• With professional advisors (lawyers, accountants) when providing integrated financial advice
• With regulatory bodies when required by Australian financial services legislation
• With law enforcement agencies when legally compelled to do so
• With your explicit consent for specific purposes you've approved

All third parties who receive your information are bound by strict confidentiality agreements and must comply with Australian privacy laws. We regularly audit these relationships to ensure your data remains protected.

We do not sell, rent, or trade your personal information to marketing companies or data brokers. Any commercial partnerships involving data are fully disclosed and require your opt-in consent.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and help us understand how our services are used. These tools collect information about your browsing behavior and preferences.

We use several types of cookies:

• Essential cookies that enable core website functionality and security features
• Performance cookies that help us understand how visitors interact with our site
• Functionality cookies that remember your preferences and settings
• Marketing cookies that track your interests for relevant content delivery

You can control cookie settings through your browser preferences. Disabling certain cookies may affect your ability to use some features of our website, but core functionality will remain available.

International Data Transfers

While we primarily store data within Australia, some of our service providers operate internationally. When data leaves Australia, we ensure appropriate safeguards are in place to protect your information.

For international transfers, we use:

• Standard contractual clauses approved by Australian privacy regulators
• Certification schemes that demonstrate adequate data protection standards
• Binding corporate rules for multinational service providers
• Country adequacy assessments where available

Countries where your data might be processed include the United States (for cloud services) and the European Union (for specialized financial software). We carefully vet all international processors to ensure they meet Australian privacy standards.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our services, technology, or legal requirements. Material changes will be communicated directly to you via email or prominent website notices.

Minor updates, such as clarifications or contact information changes, may be made without individual notification. We recommend checking this page periodically to stay informed about how we protect your privacy.

When significant changes occur, we may ask for your renewed consent to continue processing your information under the updated terms. You always have the option to withdraw consent or close your account if you disagree with policy changes.