Information We Collect

What You Give Us Directly

When you sign up for our budgeting program or reach out to us, you'll share some basic details. We collect your name, email address, phone number, and postal address. If you're enrolling in a learning program, we'll also need information about your current financial situation and budgeting goals.

Sometimes people share more detailed financial information during consultations. We only collect what's necessary to help you build better budgeting habits and tailor our educational content to your needs.

Technical Information

Like most websites, we automatically collect some technical data when you visit velinexaro.com. This includes your IP address, browser type, device information, and how you navigate through our site. We use this to improve the user experience and spot any technical issues.

Cookies and Tracking

We use cookies to remember your preferences and understand how visitors use our site. You can control cookie settings through your browser, though some features might not work as smoothly if you disable them completely.

How We Use Your Information

• Providing access to our learning programs and educational resources about effective budgeting
• Communicating with you about your enrollment, upcoming events, and program updates
• Customizing educational content based on your financial goals and learning progress
• Sending newsletters with budgeting tips, success stories, and program announcements
• Improving our website functionality and educational materials based on usage patterns
• Responding to your questions and providing customer support
• Meeting legal obligations and protecting against fraud or misuse

We don't sell your personal information to third parties. Ever. Your data stays with us and exists solely to support your financial education journey.

Data Storage and Security

Your information is stored on secure servers located in Australia, with encrypted backups maintained according to Australian data protection standards. We take reasonable steps to protect your data from unauthorized access, disclosure, or misuse.

Our security measures include encrypted data transmission, regular security audits, restricted staff access to personal information, and secure password protocols. While we can't guarantee absolute security—no online system can—we continuously update our practices to meet current security standards.

Sharing Your Information

We keep your information within our organization, but there are a few situations where we might need to share limited data:

• Service providers who help us run our website, process payments, or deliver educational materials—always under strict confidentiality agreements
• Professional advisors like accountants and lawyers when necessary for business operations
• Law enforcement or regulatory bodies if legally required or to protect against fraud
• Business successors if velinexaro is sold or merged, though your privacy rights would continue under the new owner

We'll never share your information for marketing purposes with external companies. Any third parties who access your data are bound by confidentiality obligations and can only use it for the specific purpose we've authorized.

Your Privacy Rights Under Australian Law

Under the Privacy Act 1988 and Australian Privacy Principles, you have specific rights regarding your personal information. Here's what you can do:

Access Your Information

You can request a copy of the personal information we hold about you at any time. We'll provide this within 30 days, though we might need to verify your identity first. There's no charge for a standard request.

Correct Your Information

If any information we have about you is inaccurate, incomplete, or out of date, let us know and we'll update it promptly. You can do this by contacting us directly through any of the methods listed at the end of this policy.

Request Deletion

You can ask us to delete your personal information, and we'll comply unless we're legally required to keep it—for example, for tax or business records. Even after deletion, some information might remain in backup systems for a limited period.

Opt Out of Marketing

Every marketing email we send includes an unsubscribe link. You can also contact us directly to stop receiving promotional materials. We'll still need to send you essential program-related communications if you're enrolled in a learning program.

Lodge a Complaint

If you're concerned about how we've handled your personal information, please contact us first so we can address it. If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner.

Data Retention Periods

We don't keep your information forever. Different types of data have different retention periods based on legal requirements and practical needs:

• Active program participant data is retained throughout your enrollment and for five years afterward
• Financial records and tax-related information are kept for seven years as required by Australian law
• Website analytics and usage data is typically retained for two years
• Marketing communication preferences are maintained until you ask us to delete them
• Email correspondence is generally kept for three years after the last interaction

After these periods, we securely delete or anonymize your information so it can no longer identify you personally.

Children's Privacy

Our programs are designed for adults aged 18 and over. We don't knowingly collect personal information from anyone under 18. If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can delete it.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email if you're an active program participant, or post a notice on our website.

The current version is always available at velinexaro.com/your-privacy.html, and we include the last updated date at the top. Continuing to use our services after changes take effect means you accept the updated policy.

International Data Transfers

We primarily store and process data within Australia. On rare occasions, some data might be accessed by service providers located overseas—for example, if we use a cloud service with international servers. When this happens, we ensure appropriate safeguards are in place to protect your information according to Australian privacy standards.

Any international data transfer complies with Australian Privacy Principle 8, which means we'll only send your information overseas if the recipient country has substantially similar privacy protections or we've obtained your consent.

Third-Party Websites

Our website might contain links to external sites that we think might be useful for your financial education. We're not responsible for the privacy practices of these third-party sites. When you click through to another website, their privacy policy applies instead of ours—so please review their policies before sharing personal information.