Privacy Policy
We take your privacy seriously and handle your information with care
Last Updated: January 15, 2025
At bravionetrix, we understand that trusting someone with your financial information is no small thing. This policy explains what we collect, why we need it, and what we do with it. We've tried to keep the legal jargon to a minimum, though Australian privacy laws require certain specifics.
This policy applies to our seasonal financial planning services and complies with the Australian Privacy Principles under the Privacy Act 1988.
Information We Collect
Running a financial planning service means we need certain details from you. Here's what we typically gather and why it matters:
Personal Identification Details
When you work with us, we collect your name, date of birth, contact information, and government identifiers. Australian financial regulations require us to verify your identity before we can provide advice. Think of it like showing ID at the bank.
Financial Information
To help you plan effectively, we need to understand your current situation. This includes income sources, existing investments, superannuation details, debts, and spending patterns. The more complete picture we have, the better we can tailor our recommendations.
| Information Type | Examples | Why We Need It |
|---|---|---|
| Contact Details | Email, phone, postal address | Communication and service delivery |
| Financial Records | Bank statements, payslips, tax returns | Accurate financial assessment |
| Employment Data | Employer details, income stability | Income verification and planning |
| Family Information | Dependents, marital status | Household financial planning |
Technical Data
Like most websites, we collect some technical information when you visit our site. This includes your IP address, browser type, and how you interact with our pages. We use this to improve the site and keep it secure.
How We Use Your Information
Everything we collect serves a purpose. We don't gather data just to have it sitting in a database somewhere.
- Providing personalized financial planning advice tailored to your seasonal income patterns and goals
- Communicating with you about your plan, upcoming seasonal opportunities, and service updates
- Meeting our legal obligations under Australian financial services regulations
- Improving our services based on common challenges clients face
- Protecting against fraud and maintaining the security of your account
- Processing payments and managing your client relationship with us
- Sending educational content about seasonal financial strategies when you've opted in
What we don't do: We never sell your personal information to third parties. We don't use your data for unrelated marketing purposes. Your financial details stay between you and bravionetrix unless you specifically authorize us to share them.
Data Sharing and Disclosure
Sometimes we need to share information with others to provide our services properly. Here's when that happens:
Service Providers
We work with trusted partners who help us run our business. This includes our accounting software provider, payment processors, and cloud storage services. These companies are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.
Professional Advisers
If your financial plan requires coordination with other professionals like accountants or mortgage brokers, we'll share relevant information with your consent. You're always in control of these referrals.
Legal Requirements
Australian law sometimes requires us to disclose information. This includes responding to court orders, ASIC inquiries, or reporting obligations under anti-money laundering legislation. We only share what's legally required in these situations.
Business Transfers
If bravionetrix were ever acquired or merged with another company, your information would transfer to the new entity. We'd notify you beforehand and ensure the new owner maintains the same privacy standards.
Your Rights and Choices
Your data belongs to you. Australian privacy law gives you several important rights over how we handle your information.
Access Your Data
You can request a copy of all personal information we hold about you. We'll provide this within 30 days, free of charge for the first request each year.
Correct Inaccuracies
If any of your information is wrong or outdated, let us know and we'll fix it promptly. Accurate data is crucial for good financial advice.
Request Deletion
You can ask us to delete your information, though we may need to keep some records to comply with tax and financial regulations. We'll explain what we can and can't delete.
Opt Out of Marketing
Don't want our seasonal planning tips or educational emails? No problem. Every message includes an unsubscribe link, or you can email us directly.
Data Portability
Need your data in a format you can use elsewhere? We'll provide your information in a common, machine-readable format when requested.
Lodge a Complaint
If you're unhappy with how we've handled your data, contact us first. If that doesn't resolve things, you can complain to the Office of the Australian Information Commissioner.
Data Security and Protection
Financial information requires serious protection. We've put multiple layers of security in place to keep your data safe.
Technical Safeguards
All data transmission uses industry-standard SSL encryption. Your information is stored on secure Australian servers with restricted access. We use multi-factor authentication for our staff and regularly update our security systems.
Physical Security
Paper records are kept in locked cabinets at our Braddon office. Only authorized team members have access, and we maintain detailed logs of who accesses what.
Staff Training
Every team member completes privacy and security training annually. We take internal threats as seriously as external ones, and our staff understand the responsibility they carry.
In case of a breach: If your personal information is compromised, we'll notify you within 72 hours and explain what happened, what data was affected, and what steps we're taking. We'll also report to the Office of the Australian Information Commissioner as required by law.
Data Retention
We don't keep your information forever, but financial regulations do require us to maintain records for specific periods.
- Client files and financial advice records: 7 years from when the relationship ends, as required by ASIC
- Tax-related documents: 5 years after they cease to be relevant, per ATO requirements
- Marketing communications records: Until you unsubscribe, then removed within 30 days
- Website usage data: 24 months, then anonymized for analytical purposes
- Identity verification documents: Duration of client relationship plus 7 years
Once retention periods expire, we securely delete or destroy your information. Electronic data is overwritten using secure deletion methods, and paper documents are shredded.
Cookies and Online Tracking
Our website uses cookies to function properly and to give you a better experience. Here's what we use and why:
Essential Cookies
These keep the site working. They remember your login session and security preferences. You can't opt out of these without losing site functionality.
Analytics Cookies
We use basic analytics to understand how people use our site. This helps us improve navigation and identify confusing sections. These don't identify you personally.
Managing Cookies
Your browser settings let you control cookies. Blocking them might affect how well the site works, but that's your choice to make.
International Data Transfers
We primarily use Australian service providers, but some of our tools are hosted overseas. When we do transfer data internationally, we ensure appropriate protections are in place.
Our email service provider has servers in the United States but is certified under privacy frameworks recognized by Australian law. Our cloud backup system stores data in Singapore, chosen for its strong data protection laws.
We never transfer your data to countries without adequate privacy protections, and we maintain the same level of security regardless of where data is stored.
Children's Privacy
Our services are designed for adults managing their finances. We don't knowingly collect information from anyone under 18 without parental consent. If we discover we've inadvertently gathered data from a minor, we'll delete it immediately.
Parents or guardians setting up financial planning for their children should contact us directly to discuss appropriate privacy protections.
Changes to This Policy
Privacy laws evolve, and so do our practices. When we update this policy, we'll post the new version here with a revised date at the top. Significant changes will be communicated directly to active clients via email.
We recommend checking this page occasionally if you want to stay current with our practices. The previous version is always available upon request if you want to see what changed.
Questions About Your Privacy?
If anything in this policy is unclear, or if you want to exercise any of your rights, we're here to help. Privacy matters shouldn't be complicated.
We aim to respond to all privacy inquiries within 5 business days. For formal complaints, we'll provide a detailed response within 30 days.