Privacy Policy

Information We Collect

selandarivo collects personal information when you interact with our emergency fund planning services. We gather this information to provide personalized financial guidance and improve our platform's effectiveness.

• Personal identification details including name, email address, and phone number when you create an account
• Financial information such as income ranges, savings goals, and expense categories to create tailored emergency fund strategies
• Technical data including IP addresses, browser information, and device characteristics for security and platform optimization
• Communication records when you contact our support team or participate in our educational programs
• Usage patterns and preferences to enhance your experience with our financial planning tools

How We Use Your Information

Your personal information serves specific purposes related to our emergency fund planning services. We process this data to deliver meaningful financial education and personalized recommendations.

• Creating customized emergency fund strategies based on your individual financial situation and goals
• Sending educational content, updates, and relevant financial planning resources to support your learning journey
• Improving our platform's functionality and developing new features that better serve Australian financial planning needs
• Providing customer support and responding to your inquiries about our services
• Ensuring platform security and preventing unauthorized access to your account
• Complying with Australian financial services regulations and legal requirements

Information Sharing and Disclosure

selandarivo maintains strict controls over information sharing. We never sell your personal data to third parties and only share information when necessary for service delivery or legal compliance.

Limited information sharing occurs only in these specific circumstances:

• With trusted service providers who help us deliver our educational platform, subject to strict confidentiality agreements
• When required by Australian law, court orders, or regulatory authorities such as ASIC or APRA
• To protect our legal rights or prevent fraud, with appropriate safeguards in place
• If selandarivo undergoes a business transfer, with advance notice and continued privacy protections

Your Privacy Rights Under Australian Law

Under the Privacy Act 1988 (Cth) and Australian Privacy Principles, you possess comprehensive rights regarding your personal information. selandarivo respects these rights and provides clear processes for exercising them.

• Access your personal information we hold and request copies of your data in a readable format
• Correct inaccurate or outdated information in your profile or financial planning records
• Request deletion of your personal information, subject to legal retention requirements
• Opt out of marketing communications while continuing to receive essential service updates
• File complaints with the Office of the Australian Information Commissioner if you believe your privacy has been breached
• Receive clear explanations about how your information is used and processed

To exercise these rights, contact our privacy team using the information provided at the end of this policy. We respond to all legitimate requests within 30 days and provide updates if additional time is needed.

Data Security and Protection Measures

Protecting your financial information requires robust security measures. selandarivo implements multiple layers of protection to safeguard your data against unauthorized access, theft, or misuse.

• Bank-level encryption (SSL/TLS) for all data transmission between your device and our servers
• Advanced password protection requirements and optional two-factor authentication for account access
• Regular security audits and penetration testing to identify and address potential vulnerabilities
• Restricted employee access to personal data with mandatory privacy training and confidentiality agreements
• Secure data storage in Australian-based servers with backup systems and disaster recovery protocols
• Continuous monitoring for suspicious activity and automated threat detection systems

While we maintain industry-leading security practices, no system is completely immune to threats. We promptly notify affected users and relevant authorities if a data breach occurs, following Australian notification requirements.

Data Retention and Deletion

selandarivo retains personal information only as long as necessary to provide our services and meet legal obligations. Our retention periods balance your privacy rights with legitimate business and regulatory requirements.

• Active account information: Retained while your account remains active and for 7 years after closure to comply with financial record-keeping requirements
• Financial planning data: Stored for 7 years after last interaction to support ongoing educational services and regulatory compliance
• Communication records: Kept for 3 years to maintain service quality and resolve potential disputes
• Technical logs and security data: Retained for 12 months unless required for ongoing investigations
• Marketing preferences: Maintained until you update them or close your account

When retention periods expire, we securely delete or anonymize your information using certified data destruction methods. You can request earlier deletion for certain types of data, subject to our legal obligations.

International Data Transfers

selandarivo primarily stores and processes your information within Australia using local service providers. However, some of our technology partners operate internationally, requiring careful data transfer protections.

When international transfers occur, we ensure adequate protection through:

• Contracts requiring overseas providers to meet Australian privacy standards
• Regular audits of international partners' security and privacy practices
• Limited data transfers containing only necessary information for specific services
• Your right to opt out of international data processing where technically feasible

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and gather usage insights. You maintain control over these technologies through your browser settings and our preference center.

• Essential cookies that enable core platform functionality and security features
• Performance cookies that help us understand how visitors use our site and identify areas for improvement
• Functional cookies that remember your preferences and customize your experience
• Analytics cookies that provide insights into user behavior while protecting individual privacy

You can adjust cookie preferences through your browser settings or our cookie management tool. Disabling certain cookies may limit some platform features but won't prevent access to core emergency fund planning resources.

Changes to This Privacy Policy

selandarivo periodically updates this privacy policy to reflect changes in our services, legal requirements, or privacy practices. We notify users of significant changes through email and prominent website announcements.

Minor updates may be posted directly to this page with updated effective dates. We encourage you to review this policy periodically, especially before sharing new information with our platform.

Continued use of our services after policy changes constitutes acceptance of the updated terms. If you disagree with changes, you may close your account or contact us to discuss your concerns.