Information We Collect

When you use our services, we collect different types of information. Some you provide directly when filling out forms or creating an account. Other data comes from how you interact with our platform.

We don't collect information just for the sake of it. Everything we gather serves a specific purpose in delivering better financial planning tools to you.

How We Use Your Information

Your data helps us create a better experience and provide relevant financial planning guidance. Here's what we actually do with it:

• Create and manage your account, including authentication and security features
• Develop personalized milestone planning recommendations based on your financial situation
• Send you important updates about our services, policy changes, or account activity
• Respond to your questions and provide customer support when you need it
• Analyze usage patterns to improve our platform's features and functionality
• Ensure platform security and prevent fraudulent activity or unauthorized access
• Comply with legal obligations under Australian financial services regulations

We won't sell your personal information to third parties. That's not our business model, and frankly, we think it's a terrible practice.

Data Protection Under Australian Law

As an Australian company, we comply with the Privacy Act 1988 and the Australian Privacy Principles (APPs). These laws give you specific rights about how we handle your information.

We store your data on secure servers located in Australia. If we ever need to transfer information overseas (which we rarely do), we'll ensure the recipient country has adequate privacy protections or put appropriate safeguards in place.

Sharing Your Information

We keep your information within our organization whenever possible. But sometimes we need to share limited data with specific partners to provide our services.

Service Providers

We work with carefully selected companies that help us run our platform. This includes hosting providers, email services, and analytics tools. These partners only access the minimum information necessary to perform their specific functions, and they're contractually required to protect your data.

Legal Requirements

We may disclose information if required by Australian law, court order, or government regulation. This includes cooperating with law enforcement when legally obligated, though we'll always review such requests carefully.

Business Transfers

If cotanaripolex is acquired or merges with another company, your information would be transferred as part of that transaction. We'd notify you beforehand and ensure the new entity maintains similar privacy protections.

Security Measures

We take data security seriously. Our infrastructure uses industry-standard encryption protocols, secure authentication systems, and regular security audits.

• All data transmission uses TLS encryption to prevent interception
• Passwords are hashed and salted using strong cryptographic algorithms
• Access to user data is restricted to essential personnel only
• We conduct regular security assessments and penetration testing
• Our systems are monitored 24/7 for suspicious activity
• We maintain detailed audit logs of data access and modifications

No system is completely foolproof. If we ever experience a data breach that affects your information, we'll notify you promptly and explain what happened and what we're doing about it.

Your Privacy Rights

To exercise any of these rights, contact us using the details at the bottom of this page. We'll verify your identity and process your request as quickly as possible.

Cookies and Tracking

Our website uses cookies to remember your preferences and understand how you use our platform. Most are essential for basic functionality, while others help us improve the user experience.

Essential Cookies

These are necessary for the website to function. They handle authentication, security, and core features. You can't disable these without breaking the platform.

Analytics Cookies

We use analytics tools to understand which features people use and where they struggle. This helps us make informed decisions about improvements. These cookies don't identify you personally.

Preference Cookies

These remember your settings and choices, like language preferences or display options. They make your experience more convenient on return visits.

You can manage cookie preferences through your browser settings, though disabling certain cookies might limit functionality.

Data Retention

We don't keep your information forever. Different types of data have different retention periods based on their purpose and legal requirements.

• Account information remains active as long as you maintain an account with us
• Financial planning data is retained for 7 years to comply with Australian financial records regulations
• Communication records are kept for 3 years for customer service and dispute resolution purposes
• Usage analytics are anonymized after 18 months and aggregated into statistical reports
• Marketing preferences are stored until you withdraw consent or close your account
• Security logs are maintained for 12 months for incident investigation and prevention

When retention periods expire, we securely delete or anonymize the information so it can't be traced back to you.

Third-Party Links

Our platform might link to external websites or services. We're not responsible for their privacy practices. Before sharing information with any third-party site, check their privacy policy to understand how they handle your data.

This is particularly relevant if you connect external financial accounts or use third-party planning tools through our platform. Those services have their own privacy policies that govern how they collect and use your information.

Children's Privacy

Our services are designed for adults managing their own finances. We don't knowingly collect information from anyone under 18 years old. If we discover we've accidentally collected data from a minor, we'll delete it promptly.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can address the situation.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you via email or through a prominent notice on our website.

The "Last Updated" date at the top of this page shows when we last modified the policy. We encourage you to review it periodically, especially before providing new information or using new features.

Continued use of our services after policy changes indicates your acceptance of the updated terms. If you disagree with modifications, you can close your account as described in the "Your Privacy Rights" section.

Complaints and Disputes

If you believe we've mishandled your personal information or violated your privacy rights, please contact us first. We take complaints seriously and will investigate your concerns thoroughly.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent authority that oversees privacy law compliance in Australia.