Privacy Policy
Introduction and Overview
At valonexira, we understand that your financial information is deeply personal. This privacy policy explains how we collect, use, protect, and share your information when you use our financial planning services. We operate under Australian Privacy Principles and comply with the Privacy Act 1988 (Cth).
Our commitment goes beyond legal compliance. We believe transparency about data handling builds the trust necessary for effective financial planning relationships. This policy applies to all interactions with valonexira, whether through our website, phone consultations, or in-person meetings.
Information We Collect
Effective financial planning requires comprehensive information. We collect various types of data to provide personalized advice and comply with regulatory requirements.
Personal Details
Name, address, phone number, email, date of birth, and identification documents as required by anti-money laundering legislation.
Financial Information
Income, expenses, assets, liabilities, investment goals, risk tolerance, and existing financial products.
Employment Data
Employer details, occupation, employment history, and superannuation information relevant to your financial situation.
Family Circumstances
Marital status, dependents, and family financial responsibilities that impact planning strategies.
We also collect information automatically when you visit our website, including IP addresses, browser types, and pages viewed. This helps us improve our digital services and understand how clients interact with our resources.
How We Use Your Information
Your information serves specific purposes in delivering professional financial planning services:
- Developing personalized financial strategies based on your unique circumstances and goals
- Providing ongoing advice and portfolio monitoring services
- Meeting regulatory obligations under corporations law and taxation legislation
- Communicating important updates about your investments or policy changes
- Processing applications for financial products we recommend
- Maintaining accurate client records for compliance and continuity of service
- Improving our services through analysis of client needs and preferences
We never use your information for purposes unrelated to financial services without explicit consent. Marketing communications focus solely on relevant financial planning topics and can be opted out of at any time.
Information Sharing and Disclosure
Financial planning often involves working with external parties. We share information only when necessary and appropriate:
Authorized Disclosures
- Product providers when implementing recommended strategies
- Accountants, lawyers, or other professionals with your written consent
- Compliance and audit teams for regulatory monitoring
- Technology service providers under strict confidentiality agreements
- AUSTRAC and other regulatory bodies when legally required
We never sell personal information to third parties. All service providers must meet our privacy and security standards before accessing any client data. International transfers occur only when necessary for service delivery and include appropriate safeguards.
Your Privacy Rights
Under Australian privacy law, you have significant control over your personal information
Access Rights
Request copies of all personal information we hold about you
Correction Rights
Update or correct inaccurate information in our records
Deletion Rights
Request deletion of information subject to legal retention requirements
Restriction Rights
Limit how we use your information for specific purposes
Complaint Rights
Lodge complaints about privacy practices with us or regulatory authorities
Withdrawal Rights
Withdraw consent for processing not required by law
To exercise these rights, contact us using the details below. We respond to valid requests within 30 days. Some limitations apply where information is required for ongoing service delivery or regulatory compliance.
Data Security and Protection
Financial information requires robust protection. We implement comprehensive security measures across all aspects of our operations.
Physical security includes locked filing systems, restricted office access, and secure document disposal. Digital security features regular updates, penetration testing, and backup systems to ensure data integrity and availability.
Data Retention and Disposal
We retain information for specific periods based on legal requirements and business needs:
Financial Advice Records
Statements of advice, research, and recommendation documentation retained for seven years as required by corporations law
Identity Verification
Customer identification records maintained for five years under anti-money laundering obligations
Communication Records
Email correspondence and meeting notes kept for three years to ensure continuity of service
Marketing Data
Website analytics and marketing interaction data retained for one year unless deleted sooner upon request
After retention periods expire, we securely destroy information using methods appropriate to the storage medium. Digital deletion includes overwriting storage locations, while physical documents are shredded by certified destruction services.
Cookies and Digital Tracking
Our website uses cookies and similar technologies to enhance user experience and understand how visitors interact with our content. These tools help us provide relevant information and improve our digital services.
- Essential cookies enable core website functionality like secure login areas
- Analytics cookies help us understand which resources are most valuable to visitors
- Preference cookies remember your choices about privacy settings and content display
- Marketing cookies track engagement with our content to improve communication relevance
You can control cookie settings through your browser preferences. Disabling certain cookies may limit website functionality, but essential services remain available. Our cookie banner allows you to manage preferences for non-essential tracking.
Changes to This Policy
Privacy practices evolve with changing technology and regulations. We review this policy annually and update it when necessary to reflect current practices or legal requirements.
Significant changes will be communicated through email notifications and prominent website notices. Minor updates may be posted directly to this page with updated effective dates. We encourage regular review of this policy to stay informed about how we protect your information.
Privacy Contact Information
For complaints not resolved through our internal process, you may contact the Office of the Australian Information Commissioner at www.oaic.gov.au or phone 1300 363 992.