Privacy Policy

When you engage with velariphora's financial planning services, we collect several types of information to provide you with personalized and effective financial guidance. This collection happens through various touchpoints during your interaction with our platform.

Personal Information: We gather basic details like your name, email address, phone number, and postal address. This information helps us communicate with you about your financial planning journey and send important updates about our services.

Financial Information: To create meaningful financial plans, we collect information about your income, expenses, assets, debts, and financial goals. This might include bank account details, investment portfolio information, and details about your current financial commitments. We understand this is sensitive information and treat it with the highest level of security.

Technical Information: Our website automatically collects certain technical data when you visit, including your IP address, browser type, device information, and how you navigate through our site. This helps us improve our platform's performance and user experience.

Your information serves several important purposes in delivering our financial planning services. We're committed to using your data responsibly and only for legitimate business purposes that benefit your financial planning experience.

• Service Delivery: We use your financial information to create personalized financial plans, provide investment recommendations, and offer guidance tailored to your specific situation.
• Communication: We'll contact you about your account, send updates about our services, and respond to your inquiries using the contact information you provide.
• Legal Compliance: Australian financial services regulations require us to maintain certain records and follow specific procedures. We use your information to meet these obligations.
• Service Improvement: We analyze usage patterns and feedback to enhance our platform and develop new features that better serve our clients.
• Security: Your information helps us verify your identity and protect your account from unauthorized access.

We never use your information for purposes unrelated to our financial planning services without your explicit consent. Marketing communications are always optional, and you can unsubscribe at any time.

velariphora takes a conservative approach to sharing your information. We don't sell your personal data to third parties, and we only share information when it's necessary for providing our services or required by law.

Service Providers: We work with trusted third-party providers who help us deliver our services. This might include cloud hosting providers, payment processors, or specialized financial data providers. These partners are bound by strict confidentiality agreements and can only use your information for the specific services they provide to us.

Financial Institutions: With your permission, we may need to share certain information with banks, investment platforms, or other financial institutions to implement your financial plan or process transactions on your behalf.

Legal Requirements: We may disclose your information if required by Australian law, court orders, or regulatory authorities. This includes compliance with anti-money laundering laws and other financial services regulations.

Business Transfers: In the unlikely event that velariphora is acquired or merges with another company, your information may be transferred as part of that transaction. We would notify you of any such changes well in advance.

Under Australian privacy law, you have several important rights regarding your personal information. We're committed to making these rights easy to exercise and will respond to your requests promptly.

To exercise any of these rights, simply contact our privacy team using the details provided below. We'll verify your identity and process your request as quickly as possible.

Protecting your financial information is our top priority. We've implemented comprehensive security measures that meet or exceed Australian financial services standards.

Encryption: All data transmission between your device and our servers uses bank-grade SSL encryption. Your information is also encrypted when stored in our databases.

Access Controls: Only authorized staff members can access your information, and only when necessary for providing services. All access is logged and monitored.

Regular Audits: We conduct regular security audits and penetration testing to identify and address potential vulnerabilities before they become issues.

Staff Training: Our team receives ongoing training about privacy and security best practices to ensure your information is handled appropriately.

Incident Response: We have procedures in place to quickly identify, contain, and respond to any potential security incidents. In the unlikely event of a data breach affecting your information, we'll notify you and relevant authorities as required by law.

We don't keep your information longer than necessary. Our retention periods are based on legal requirements and business needs, and we regularly review and dispose of information that's no longer needed.

Active Clients: While you're an active client, we maintain your financial information to provide ongoing service and track your progress toward financial goals.

Former Clients: After you stop using our services, we typically retain core financial planning records for seven years to meet Australian financial services regulations. Marketing and communication preferences are deleted sooner unless you've opted to stay connected.

Secure Disposal: When we no longer need information, we dispose of it securely using methods appropriate to the sensitivity of the data. Electronic records are permanently deleted, and physical documents are shredded or incinerated.

Our website uses cookies and similar technologies to improve your browsing experience and help us understand how people use our platform.

Essential Cookies: These are necessary for our website to function properly. They enable basic features like secure login and remember your preferences during your visit.

Analytics Cookies: We use these to understand how visitors interact with our website, which pages are most popular, and how we can improve the user experience. This data is aggregated and doesn't identify individual users.

Marketing Cookies: With your permission, we may use cookies to show you relevant content and track the effectiveness of our marketing efforts.

You can control cookies through your browser settings, though disabling certain cookies may affect your ability to use some features of our website.

While velariphora primarily operates within Australia, some of our technology providers and service partners are located overseas. When we transfer your information internationally, we ensure appropriate protections are in place.

Approved Jurisdictions: We primarily work with providers in countries that have been recognized by Australian authorities as having adequate privacy protections.

Contractual Safeguards: When working with providers in other countries, we use contracts that require them to protect your information according to Australian privacy standards.

Limited Transfers: We only transfer information overseas when it's necessary for service delivery, and we limit transfers to the minimum amount of information required.

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make changes, we'll notify you through email or by posting a notice on our website.

Significant Changes: If we make any major changes that affect how we use your information, we'll give you at least 30 days' notice and may ask for your consent where required by law.

Minor Updates: For minor changes like clarifications or administrative updates, we'll post the revised policy on our website with an updated effective date.

We encourage you to review this policy periodically to stay informed about how we protect your information.