Privacy Policy
Your privacy matters to us. Here's how we protect and handle your personal information.
Last Updated: February 15, 2025
This privacy policy explains how dorivalquon ("we," "our," or "us") collects, uses, stores, and protects your personal information when you use our website and financial discipline services.
1. Information We Collect
We collect different types of information to provide you with our financial discipline services and improve your experience on our platform.
Personal Information
Name, email address, phone number, postal address, date of birth, and government identifiers when required for verification purposes.
Financial Information
Income details, spending patterns, financial goals, and budget information you provide through our assessment tools and planning sessions.
Technical Information
IP address, browser type, device information, and usage data collected automatically when you visit our website.
Communication Records
Records of your interactions with our support team, feedback submissions, and correspondence through various channels.
2. How We Use Your Information
Your information helps us deliver personalised financial discipline services and maintain the security of our platform.
- Provide personalised financial planning and budgeting advice tailored to your specific situation
- Process your service requests and maintain your account with accurate, up-to-date information
- Send you important updates about your account, service changes, and relevant financial education content
- Improve our services through analysis of user behaviour and feedback patterns
- Ensure platform security and prevent fraudulent activities or unauthorised access attempts
- Comply with Australian financial services regulations and legal obligations
- Respond to your inquiries and provide customer support when you need assistance
3. Legal Basis for Processing
Under Australian Privacy Principles (APPs), we process your personal information based on:
When you voluntarily provide information through our forms, assessments, or by subscribing to our services, you give us explicit consent to process that data.
We process certain data to improve our services, ensure security, and provide relevant financial education content that benefits our users.
Some processing is required to comply with Australian financial services laws, tax obligations, and regulatory requirements.
Processing necessary to deliver the financial discipline services you've requested and maintain your account.
4. Information Sharing and Disclosure
We don't sell your personal information. We only share your data in specific circumstances:
- With service providers who help us deliver our platform (payment processors, hosting providers, analytics tools)
- When required by Australian law, court orders, or regulatory authorities
- To protect our legal rights, prevent fraud, or ensure user safety
- With professional advisors (lawyers, accountants) who are bound by confidentiality agreements
- In the event of a business merger or acquisition, subject to the same privacy protections
All third parties we work with are contractually obligated to protect your information and use it only for the specified purposes.
Important: We never share your personal financial information with marketing companies or use it for purposes unrelated to your financial discipline journey.
5. Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information:
Access Your Data
Request a copy of all personal information we hold about you, provided in a clear and understandable format.
Correct Inaccuracies
Ask us to update or correct any personal information that's inaccurate, incomplete, or out of date.
Delete Information
Request deletion of your personal data, subject to legal and regulatory retention requirements.
Restrict Processing
Limit how we use your information in certain circumstances while maintaining essential services.
Data Portability
Receive your personal data in a structured, commonly used format for transfer to another service.
Withdraw Consent
Opt out of non-essential communications and data processing activities at any time.
To exercise any of these rights, contact us using the information provided at the bottom of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing.
6. Data Security and Protection
We implement comprehensive security measures to protect your personal and financial information:
- SSL encryption for all data transmission between your device and our servers
- Regular security audits and vulnerability assessments by independent security firms
- Multi-factor authentication for staff accessing sensitive systems
- Automated backup systems with encrypted storage in secure Australian data centres
- Staff training on privacy protection and data handling best practices
- Background checks for employees with access to personal information
- Regular review and updating of our security policies and procedures
- Incident response procedures for any potential data breaches
Our data is stored in certified facilities with restricted access, surveillance systems, and environmental controls to prevent unauthorised access or data loss.
7. Data Retention Periods
We retain your information only as long as necessary for the purposes outlined in this policy:
| Information Type | Retention Period | Reason |
|---|---|---|
| Account Information | Duration of service + 7 years | Australian tax and business record requirements |
| Financial Assessment Data | Duration of service + 5 years | Professional liability and service improvement |
| Communication Records | 3 years after last contact | Customer service and dispute resolution |
| Website Usage Data | 2 years | Platform improvement and security monitoring |
| Marketing Preferences | Until you withdraw consent | Compliance with marketing regulations |
After the retention period expires, we securely delete your information using methods that make recovery impossible.
8. International Data Transfers
Your personal information is primarily stored and processed within Australia. However, some of our service providers may process data internationally:
- Cloud hosting services may replicate data across regions for redundancy and performance
- Customer support tools may process communication records in secure overseas facilities
- Analytics and security services may analyse usage patterns from international locations
When data leaves Australia, we ensure the receiving country has adequate privacy protections or implement additional safeguards through binding corporate rules and standard contractual clauses.
9. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your experience and gather usage information:
Required for basic website functionality, security, and to remember your preferences during your visit.
Help us understand how visitors interact with our website so we can improve navigation and content.
Used to deliver relevant content and measure the effectiveness of our educational materials (only with your consent).
You can control cookie settings through your browser, though disabling certain cookies may limit website functionality.
10. Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in our services, legal requirements, or industry best practices.
When we make significant changes, we'll:
- Email registered users about important updates that affect their rights or our data practices
- Post a prominent notice on our website highlighting the changes
- Update the "Last Updated" date at the top of this policy
- For material changes, provide 30 days notice before implementation
We encourage you to review this policy periodically to stay informed about how we protect your information.
11. Children's Privacy
Our financial discipline services are designed for adults managing their own finances. We don't knowingly collect personal information from children under 18 without verified parental consent.
If you believe we've inadvertently collected information from a child, please contact us immediately so we can delete that information from our systems.
12. Contact Information
If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a privacy concern:
Privacy Officer: dorivalquon Privacy Team
Email: info@dorivalquon.com
Phone: +61 2 6142 0520
Post: 32 Spit Rd, Mosman NSW 2088, Australia
We aim to respond to privacy inquiries within 5 business days and resolve requests within 30 days.
Australian Privacy Complaints: If you're not satisfied with our response to your privacy concern, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or call 1300 363 992.