Information We Collect

When you interact with our seasonal budget adjustment programs, we gather certain details to provide meaningful financial education and support. Here's what that looks like in practice:

Personal Information You Provide

• Your name, email address, and phone number when you register for our programs
• Business or household financial context you share during consultations (we only ask what's relevant)
• Communication preferences and accessibility requirements
• Payment details processed through secure third-party providers
• Feedback and questions you send through our contact forms

Technical Data We Gather Automatically

Like most websites, ours collects some technical information to function properly and improve your experience. This includes your IP address, browser type, device information, and which pages you visit. We use this to spot technical issues and understand which resources people find most helpful.

How We Use Your Information

We're not in the business of collecting data for its own sake. Everything we gather serves a specific purpose related to delivering quality financial education:

• Program Delivery: Sending you course materials, scheduling consultations, and providing the education you've signed up for
• Communication: Answering your questions, sending relevant updates about seasonal budget considerations, and following up on your progress
• Improvement: Analyzing which topics resonate and where participants get stuck, so we can refine our approach
• Legal Compliance: Meeting Australian financial education standards and maintaining proper records
• Security: Protecting against fraud and ensuring our systems stay secure

Data Sharing and Third Parties

We work with a handful of trusted service providers who help us run our programs effectively. These relationships are carefully managed:

Service Providers We Work With

• Payment Processors: Australian-based payment gateways that handle transactions securely and comply with PCI DSS standards
• Email Services: Platforms that help us send program materials and updates (we only share names and email addresses)
• Hosting Providers: Australian data centres where our systems and backups are stored
• Analytics Tools: Services that show us how people use our website, helping us make it more useful

All these providers are bound by strict confidentiality agreements. They can only use your information for the specific services they provide to us—nothing else.

When We Must Disclose Information

In rare situations, we might need to share your information with legal authorities. This only happens when required by Australian law, court orders, or to protect against fraud or safety threats.

Your Rights Under Australian Privacy Law

The Australian Privacy Principles give you substantial control over your personal information. Here's what you can do:

To exercise any of these rights, send us an email at info@fotuvoraarelo.com with details of your request. We'll respond within 30 days and won't charge you unless your request is particularly complex or repetitive.

Data Security Measures

We take security seriously—it's not just about compliance, it's about protecting your trust. Our approach includes:

• Industry-standard encryption for all data transmission (TLS 1.3)
• Regular security audits and vulnerability assessments
• Restricted access to personal information (only team members who need it for program delivery)
• Secure Australian data centres with physical and digital safeguards
• Regular staff training on privacy and data protection
• Incident response procedures if something goes wrong

No system is completely immune to threats, but we maintain vigilant monitoring and update our defences regularly. If we detect any breach affecting your information, we'll notify you promptly as required under the Notifiable Data Breaches scheme.

Data Retention Periods

We don't keep information longer than necessary. Here's our retention approach:

Active Participants

While you're enrolled in our programs, we retain all relevant information to deliver education and support effectively. This includes course materials, communication history, and any financial context you've shared.

After Program Completion

We keep basic records (name, contact details, program participation) for seven years to comply with Australian financial and tax record-keeping requirements. Detailed financial information and course materials are typically deleted within 12 months after your program ends, unless you request otherwise.

Marketing Communications

If you've opted into receiving updates about new programs or seasonal budget insights, we'll keep your contact details until you unsubscribe. You can opt out anytime using the link in any email we send.

International Data Transfers

We primarily store all data within Australia using local data centres. However, some of our service providers (particularly email and analytics platforms) may process information on servers located overseas, including in the United States and European Union.

When this happens, we ensure these providers comply with privacy standards equivalent to Australian law through contractual agreements and standard data protection clauses. Your information remains protected regardless of where it's temporarily processed.

Cookies and Tracking Technologies

Our website uses cookies—small text files stored on your device—to function properly and improve your experience. Here's what we use and why:

• Essential Cookies: Required for basic site functionality, like remembering you're logged in
• Analytics Cookies: Help us understand which pages are useful and where people get confused
• Preference Cookies: Remember your settings and choices to save you time on return visits

You can control cookies through your browser settings, though disabling some may affect site functionality. We don't use advertising cookies or track you across other websites.

Children's Privacy

Our programs are designed for adults managing household or business finances. We don't knowingly collect information from anyone under 18. If you're under 18 and interested in our content, please have a parent or guardian contact us on your behalf.

Changes to This Policy

We review and update this policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email if you're enrolled in a program, and we'll always post the updated version here with a new date at the top.

We encourage you to check back occasionally, especially if you're considering enrolling in one of our programs. Our commitment to transparency and responsible data handling won't change, but the specifics might evolve as we improve our services.