Privacy Policy
Your privacy matters to us. This policy explains how ralenexio collects, uses, and protects your personal information when you use our multi-year budget planning services.
Introduction and Scope
ralenexio (ABN 12 345 678 901) respects your privacy and is committed to protecting your personal information in accordance with the Australian Privacy Principles under the Privacy Act 1988 (Cth). This Privacy Policy explains how we collect, use, disclose, and manage your personal information when you interact with our financial planning services, website, or related applications.
This policy applies to all personal information we collect about you, whether you're a client, potential client, or website visitor. By using our services, you consent to the collection and use of your information as described in this policy.
Information We Collect
Personal Information
We collect various types of personal information to provide our budget planning services effectively:
- Contact details including name, email address, phone number, and postal address
- Financial information such as income, expenses, assets, liabilities, and investment goals
- Employment details and professional information
- Demographic information including age, family composition, and lifestyle preferences
- Tax file numbers and other identification documents when required
Technical Information
When you visit our website or use our digital services, we automatically collect:
- IP addresses and device identifiers
- Browser type and version, operating system details
- Pages visited, time spent on pages, and navigation patterns
- Referral sources and search terms used to find our services
- Cookies and similar tracking technologies data
How We Collect Information
We collect personal information through various methods, always ensuring transparency in our collection practices:
Direct Collection
- Online forms and applications submitted through our website
- Phone conversations and in-person consultations
- Email correspondence and digital communications
- Document uploads and financial statement submissions
- Survey responses and feedback forms
Third-Party Sources
With your consent, we may collect information from:
- Financial institutions and superannuation funds
- Credit reporting agencies and financial data providers
- Government agencies and regulatory bodies
- Professional referrers and business partners
How We Use Your Information
Your personal information is used solely for legitimate business purposes related to providing excellent financial planning services:
Primary Purposes
- Developing comprehensive multi-year budget plans tailored to your circumstances
- Providing ongoing financial advice and portfolio management services
- Monitoring your financial progress and adjusting strategies as needed
- Communicating important updates about your financial plans
- Meeting regulatory compliance and reporting obligations
Secondary Purposes
- Improving our services through analysis and research
- Marketing relevant financial products and services with your consent
- Conducting client satisfaction surveys and feedback collection
- Training staff and maintaining service quality standards
Information Sharing and Disclosure
We take great care in protecting your information and only share it when necessary and lawful:
We never sell your personal information to third parties for marketing purposes.
Authorised Disclosures
- Financial product providers when implementing recommended strategies
- Professional service providers including accountants and legal advisors with your consent
- Technology service providers who assist in delivering our digital services
- Regulatory bodies including ASIC, AUSTRAC, and ATO when legally required
- Professional indemnity insurers and legal advisors when necessary
International Transfers
Some of our technology providers may store data overseas, particularly in secure facilities in Singapore and Ireland. We ensure these providers maintain equivalent privacy protections through contractual arrangements and certification standards.
Data Security and Protection
Protecting your information is our top priority. We implement comprehensive security measures across all aspects of our operations:
| Security Measure | Implementation Details |
|---|---|
| Encryption | 256-bit SSL encryption for all data transmission and storage |
| Access Controls | Multi-factor authentication and role-based access permissions |
| Physical Security | Secure office premises with restricted access and surveillance |
| Data Backup | Regular automated backups stored in geographically separate locations |
| Staff Training | Regular privacy and security training for all team members |
We regularly review and update our security practices to address emerging threats and maintain compliance with industry standards. All staff members sign confidentiality agreements and receive ongoing training about privacy obligations.
Data Retention and Disposal
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy:
Retention Periods
- Active client records: Maintained throughout the advisory relationship plus 7 years
- Financial planning documents: 7 years from creation or last client interaction
- Marketing communications: Until you unsubscribe or 3 years of inactivity
- Website analytics data: 2 years from collection
- Employment records: 7 years after employment ends
When information is no longer required, we securely dispose of it using methods appropriate to the sensitivity level. Electronic files are permanently deleted using certified data destruction software, while physical documents are securely shredded by certified providers.
Your Rights and Choices
Under Australian privacy law, you have several important rights regarding your personal information:
Access and Correction
You have the right to request access to the personal information we hold about you and to request corrections if the information is inaccurate, incomplete, or out-of-date. We will respond to your request within 30 days and provide access free of charge, except in exceptional circumstances.
Withdrawal of Consent
You can withdraw your consent for marketing communications at any time by contacting us directly or using the unsubscribe links in our emails. Please note that some information collection may be necessary for us to continue providing our advisory services.
Making a Complaint
If you believe we have not handled your personal information appropriately, you can lodge a complaint with us. We will investigate your complaint promptly and respond within 30 days. If you're not satisfied with our response, you can escalate the matter to the Office of the Australian Information Commissioner.
Cookies and Website Technologies
Our website uses cookies and similar technologies to enhance your browsing experience and provide personalised services:
Types of Cookies Used
- Essential cookies: Required for website functionality and security
- Analytics cookies: Help us understand how visitors use our website
- Preference cookies: Remember your settings and customisation choices
- Marketing cookies: Used with your consent to show relevant advertisements
You can control cookie settings through your browser preferences. Disabling certain cookies may affect website functionality, but essential features will continue to work. We respect your choices and provide clear information about cookie usage through our cookie consent banner.
Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or service offerings. When significant changes are made, we will notify existing clients via email and post the updated policy on our website with a revised effective date.
We recommend reviewing this policy regularly to stay informed about how we protect your information.
Minor updates that don't materially affect your rights may be made without specific notification, but the last updated date will always reflect the most recent changes.
Contact Us About Privacy
ralenexio Financial Planning
Building 1712/568 St Kilda Rd
Melbourne VIC 3004, Australia
Phone: +61 2 6239 4800
Email: privacy@ralenexio.com
General Inquiries: info@ralenexio.com
Our Privacy Officer is available Monday to Friday, 9:00 AM to 5:00 PM AEDT to assist with any privacy-related questions or concerns.