Privacy Policy
Effective Date: 15 January 2025
At tavolsilvaiqelo, we're committed to protecting your personal information. This isn't just legal obligation—it's about respect. When you share your financial details with us, you're placing trust in our hands.
This policy explains how we collect, use, and safeguard your data when you engage with our seasonal budget adjustment services. We've written this in plain language because privacy shouldn't require a law degree to understand.
Information We Collect
Personal Identification Data
When you register for our educational programs or use our budget adjustment tools, we collect basic information like your name, email address, and phone number. If you're enrolling in paid courses, we'll need billing details too.
We also gather demographic information—your location in Australia helps us tailor budget advice to regional cost variations. Someone in Sydney faces different housing costs than someone in Mackay, right?
| Data Type | Purpose | Retention Period |
|---|---|---|
| Contact Information | Course enrollment, support communication | Duration of relationship plus 7 years |
| Financial Data | Payment processing, budget analysis tools | As required by Australian tax law |
| Usage Analytics | Improving educational content and platform | Anonymized after 24 months |
| Course Progress | Tracking learning journey, certification | Permanently (unless deletion requested) |
Technical Information
Like most websites, we automatically collect certain technical data. This includes your IP address, browser type, device information, and how you interact with our platform. We use this to spot technical issues and understand which educational resources work best.
- Browser and device specifications for compatibility testing
- Access times and referring website addresses
- Pages viewed and learning materials downloaded
- Search queries within our educational platform
Cookie Usage: We use cookies to keep you logged in and remember your preferences. You can disable cookies in your browser, but this might affect how our platform functions. Session cookies expire when you close your browser, while preference cookies stick around to make your next visit smoother.
How We Use Your Information
Here's the straightforward truth about what we do with your data. We don't sell it, rent it, or pass it around like currency. Your information serves specific purposes tied directly to providing you with educational services.
- Delivering educational content and course materials you've enrolled in
- Processing payments and maintaining financial records as required by law
- Sending course updates, seasonal budget tips, and relevant educational resources
- Responding to your questions and providing technical support
- Improving our teaching methods based on aggregated learning outcomes
- Complying with Australian Privacy Principles under the Privacy Act 1988
- Protecting against fraud and maintaining platform security
When we analyze usage patterns, we're looking at trends—not individuals. We might notice that modules about emergency funds get more attention in winter months, which helps us schedule relevant content better.
Information Sharing and Third Parties
We work with a small number of trusted service providers who help us run our educational platform. These aren't random companies—they're carefully selected partners bound by strict confidentiality agreements.
Payment Processors: When you purchase a course, your payment information goes directly to our certified payment gateway. We never store complete credit card numbers on our servers. The processor handles this securely and sends us only a confirmation that payment succeeded.
- Cloud hosting providers in Australia who store our platform data
- Email service providers for course notifications and communications
- Analytics services that help us understand platform performance
- Customer support tools that help us respond to your questions efficiently
Legal Disclosures
Sometimes the law requires us to share information. We'll disclose personal data if legally compelled by Australian courts, law enforcement, or regulatory authorities. This is rare, and when it happens, we'll notify you unless prohibited by law.
If tavolsilvaiqelo ever merges with another organization or undergoes restructuring, your data would transfer as part of that process. You'd receive advance notice and an opportunity to manage your information before any such change.
Your Privacy Rights
Under Australian privacy law, you have significant control over your personal information. These aren't just theoretical rights—they're practical tools you can actually use.
Request a complete copy of all personal information we hold about you. We'll provide this within 30 days in a readable electronic format.
Found something wrong? Tell us, and we'll fix it promptly. Accurate data matters, especially for financial education records.
Request deletion of your account and personal data. We'll comply unless legal obligations require retention, like tax records.
Ask us to stop processing your data for specific purposes while maintaining your account for others.
Take your learning data elsewhere. We'll export your course progress and personal information in a standard format.
Unsubscribe from marketing emails anytime. Essential service communications continue, but promotional content stops immediately.
How to Exercise These Rights
Email us at support@tavolsilvaiqelo.com with your request. Include enough detail so we can verify your identity and process your request efficiently. We typically respond within 5 business days and complete most requests within 30 days.
If you're not satisfied with how we handle your privacy concerns, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). We'd prefer to resolve issues directly, but that option exists.
Data Security Measures
Security isn't just technical jargon—it's about protecting your financial information from unauthorized access. We take this seriously because budget data is sensitive.
- 256-bit SSL encryption for all data transmitted to and from our platform
- Regular security audits and vulnerability assessments by external experts
- Secure Australian-based data centers with physical access controls
- Multi-factor authentication options for your account protection
- Staff training on data handling and confidentiality requirements
- Automated backup systems with encrypted storage
- Incident response procedures if a security breach occurs
Your Responsibility: Security is a partnership. Use strong, unique passwords for your tavolsilvaiqelo account. Don't share login credentials. Log out when using shared devices. Enable two-factor authentication if available. These simple steps significantly reduce security risks.
Despite our precautions, no online system is completely invulnerable. If we detect a security incident affecting your personal information, we'll notify you within 72 hours and explain what happened, what data was affected, and what steps we're taking.
Data Retention
We don't keep your information forever. Retention periods vary based on data type and legal requirements under Australian law.
Active account data remains accessible while you're enrolled in courses or actively using our platform. After you close your account, most personal information is deleted within 90 days. However, certain records must be retained longer to comply with tax law, typically seven years for financial transactions.
- Course completion records: Retained permanently for certification verification
- Financial transaction records: 7 years as required by Australian tax law
- Support correspondence: 3 years for quality assurance purposes
- Marketing consent records: Maintained until withdrawal of consent
- Analytics data: Anonymized after 24 months, then retained indefinitely
When retention periods expire, we securely delete or anonymize the data. Deletion means permanent removal from our active systems and backups. Anonymization means removing identifying elements so the data can't be linked back to you.
Children's Privacy
Our educational programs focus on adult financial literacy and seasonal budget management. We don't knowingly collect information from individuals under 18 years old without parental consent.
If you're under 18 and interested in our courses, please have a parent or guardian create the account on your behalf. They'll maintain control over the account and any personal information associated with it.
If we discover we've accidentally collected data from a minor without appropriate consent, we'll delete it promptly upon notification.
Policy Changes
Privacy practices evolve, and so might this policy. When we make significant changes, we'll notify you via email at least 30 days before the changes take effect. You'll have time to review the updates and decide whether to continue using our services.
Minor clarifications or administrative updates won't trigger notification emails, but we'll always update the "Effective Date" at the top of this page. Check back occasionally if you're curious about the current version.
Continuing to use our platform after changes become effective means you accept the updated policy. If you disagree with modifications, you can close your account before they take effect.
Contact Information
Questions about this privacy policy? Concerns about how we're handling your data? We're here to help. Reach out using any of these methods:
Mackay QLD 4740
Australia
We aim to respond to all privacy inquiries within 5 business days. For urgent security concerns, mark your email "URGENT - SECURITY" and we'll prioritize it accordingly.