At rymalexovira, we understand that managing your financial future requires trust. This privacy policy explains how we collect, use, and protect your personal information when you engage with our budget contingency planning services.
We're based in Dungog, New South Wales, and we follow Australian privacy laws—specifically the Privacy Act 1988 and the Australian Privacy Principles. If something here doesn't make sense or you have questions, just reach out. We're happy to explain.
Information We Collect
Running a financial education service means we need certain information from you. But we only collect what's actually useful—nothing extra, nothing invasive.
Personal Information You Provide
When you sign up for our learning programs or contact us, we typically collect:
- Your name and contact details (email, phone number)
- Mailing address if you're enrolling in our programs
- Payment information for course fees
- Professional background or current financial situation (only if relevant to the program you're joining)
- Any specific learning goals or challenges you mention in forms or emails
Information We Collect Automatically
Like most websites, ours picks up some technical data when you visit:
- IP address and general location (city or region level, not your exact street)
- Browser type and device information
- Pages you visit and how long you stay
- Referral source (how you found us)
We use this to improve our site and understand what content people actually find helpful.
How We Use Your Information
We're not in the business of selling data or bombarding you with irrelevant offers. Here's what we actually do with your information:
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Purpose
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Details
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Program Delivery
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Send course materials, schedule updates, and learning resources
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Communication
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Answer your questions, provide support, send program reminders
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Payment Processing
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Handle enrolment fees and maintain financial records
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Service Improvement
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Analyze which content helps most, fix technical issues
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Legal Compliance
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Meet Australian financial education and record-keeping requirements
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Important: We don't use your personal financial situations as case studies without explicit permission. If we reference learner experiences in our materials, they're always anonymized or used with written consent.
Sharing Your Information
We're pretty protective of your data. That said, we do share information with a small number of trusted partners who help us run our programs:
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Payment Processors: Australian financial institutions that handle course payments securely
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Email Service Provider: To send program materials and updates (we use a provider with Australian servers)
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Web Hosting: Our website and learning platform are hosted with a service that follows Australian privacy standards
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Analytics Tools: Basic website analytics to see what's working and what needs improvement
These partners can only use your data for the specific services they provide to us. They can't use it for their own marketing or share it with others.
When We Must Disclose Information
Sometimes Australian law requires us to share information—like responding to valid legal requests from authorities or protecting someone's safety. We'll only do this when legally obligated or when there's a genuine emergency.
Your Rights Under Australian Law
The Australian Privacy Principles give you real control over your personal information. Here's what you can do:
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Access Your Information: Request a copy of what we hold about you
- We'll provide this within 30 days
- Usually free, though we may charge for extensive requests
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Correct Inaccuracies: Ask us to fix any incorrect or outdated information
- We'll update our records promptly
- If we disagree about accuracy, we'll note your view on the record
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Request Deletion: Ask us to remove your information
- We'll comply unless we're required to keep it by law
- Some records must be kept for Australian tax and business regulations
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Opt Out of Marketing: Unsubscribe from promotional emails anytime
- You'll still receive essential program information if you're enrolled
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Lodge a Complaint: Contact us first, or go directly to the Office of the Australian Information Commissioner (OAIC)
To exercise any of these rights, email us at info@rymalexovira.com or call +61 481 826 300. We'll verify your identity and process your request as quickly as possible.
How We Protect Your Information
Security matters to us because it matters to you. We take reasonable steps to protect your data from misuse, interference, loss, and unauthorized access.
Technical Measures
- SSL encryption for all data transmitted through our website
- Secure servers with regular security updates
- Restricted access—only staff who need your information for their work can see it
- Regular backups stored securely
Organizational Measures
- Staff training on privacy obligations and data handling
- Clear policies about who can access what
- Confidentiality agreements with anyone who handles your data
- Regular reviews of our security practices
No system is completely foolproof, though. If we ever experience a data breach that could seriously harm you, we'll let you know promptly and report it to the OAIC as required by Australian law.
Data Retention
We don't keep your information forever. Here's our approach:
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Active Participants: We keep your information as long as you're enrolled in programs or using our services
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After Program Completion: We retain records for seven years to meet Australian tax and business record requirements
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Marketing Lists: If you've only signed up for emails, we'll keep your details until you unsubscribe
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Website Data: Anonymous analytics data is kept for two years to track trends
After these periods, we securely delete or anonymize your information unless there's a legal reason to keep it longer.
Cookies and Tracking
Our website uses cookies—small files stored on your device that help the site function and remember your preferences.
Types of Cookies We Use
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Essential Cookies: Required for basic site functions like security and navigation
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Functional Cookies: Remember your preferences (like font size adjustments)
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Analytics Cookies: Help us understand how people use the site so we can improve it
You can disable cookies in your browser settings, though some parts of our site might not work as smoothly. We don't use advertising cookies or track you across other websites.
Third-Party Links
Sometimes we link to external resources—government websites, financial tools, or educational content from other organizations. Once you click through to another site, this privacy policy no longer applies. Those sites have their own privacy practices, and we can't control what they do.
We try to link only to reputable sources, but it's worth checking their privacy policies too.
Children's Privacy
Our services are designed for adults managing their finances. We don't knowingly collect information from anyone under 18. If a parent or guardian believes we've inadvertently collected information about a minor, please contact us immediately and we'll delete it.
Changes to This Policy
We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify current participants by email and post the updated policy on our website with a new "Last Updated" date.
We won't reduce your rights under this policy without your explicit consent. If you continue using our services after we update the policy, we'll take that as acceptance of the changes.
International Data Transfers
We keep your data in Australia wherever possible. However, some of our service providers (like cloud hosting) may store data on servers located overseas. When this happens, we ensure those providers meet Australian privacy standards or are located in countries with comparable privacy protections.
Currently, our main service providers use data centers in Australia or other countries recognized by the OAIC as having adequate privacy protections.
