Privacy Policy

At tharivonquessa, we collect various types of information to provide you with personalized financial stress management services. Understanding what we collect helps you make informed decisions about sharing your information with us.

Your information serves specific purposes in delivering our financial stress management services. We believe in transparency about how your data creates value for your experience.

Service Delivery: We use your financial information to create personalized stress management plans, recommend appropriate coping strategies, and track your progress toward financial wellness goals. This includes analyzing spending patterns to identify stress triggers and suggesting practical solutions.

Platform Improvement: Usage data helps us understand which features provide the most value, where users encounter difficulties, and how we can enhance the overall experience. This might involve A/B testing new features or redesigning sections based on user behavior patterns.

Communication: We use your contact information to send important service updates, educational content about financial wellness, and responses to your inquiries. You can control the frequency and type of communications you receive.

Security and Compliance: Personal information helps us verify your identity, prevent fraudulent access, and comply with Australian financial services regulations that protect consumers.

We maintain strict controls over who can access your information. Sharing only occurs in specific circumstances with appropriate safeguards in place.

Service Providers: Trusted third-party providers help us deliver certain services, such as cloud hosting, payment processing, and email communications. These providers operate under strict contractual obligations to protect your data and can only use it for the specific services they provide to us.

Legal Requirements: We may disclose information when required by Australian law, court orders, or regulatory authorities. This includes compliance with financial services regulations, tax obligations, and law enforcement requests with valid legal authority.

Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, but only with equivalent privacy protections in place.

Australian privacy law provides you with significant rights regarding your personal information. We've designed our systems to make exercising these rights as straightforward as possible.

• Access Rights: Request a copy of all personal information we hold about you, including how it's being used and with whom it's been shared.
• Correction Rights: Update or correct any inaccurate or incomplete personal information in our systems.
• Deletion Rights: Request removal of your personal information, subject to legal retention requirements.
• Restriction Rights: Limit how we process your information in certain circumstances, such as while disputing accuracy.
• Portability Rights: Receive your personal information in a structured, commonly used format for transfer to another service.
• Objection Rights: Object to certain types of processing, including direct marketing communications.

To exercise any of these rights, contact our privacy team using the details provided below. We'll respond within 30 days and work with you to fulfill your request promptly and completely.

Protecting your financial information requires robust security measures at every level of our operations. We've implemented comprehensive safeguards to keep your data secure.

We also maintain cyber insurance coverage and have incident response procedures in place. In the unlikely event of a security incident, we'll notify affected users promptly and provide clear information about the steps we're taking to address the situation.

We keep your information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods based on their purpose and regulatory requirements.

Active Account Data: While your account remains active, we retain your personal and financial information to provide ongoing services. You can update or delete specific information through your account settings at any time.

Closed Account Data: After account closure, we retain basic information for seven years to comply with Australian financial services record-keeping requirements. Financial transaction records may be kept longer as required by law.

Communication Records: Support conversations and correspondence are kept for three years to help resolve any future issues and improve our services.

Usage Analytics: Aggregated, de-identified usage data may be retained indefinitely for service improvement purposes, as it cannot be linked back to individual users.

While tharivonquessa primarily operates within Australia, some of our trusted service providers may process data in other countries with strong privacy protections. We ensure all international transfers meet Australian privacy standards.

Approved Destinations: We only transfer data to countries with adequate privacy protections or under specific legal frameworks that ensure equivalent protection to Australian privacy law.

Contractual Safeguards: All international service providers must sign agreements that include strict privacy protection clauses, data security requirements, and limitations on data use.

Your Control: If you prefer your data remain exclusively within Australia, contact us to discuss available options. While this may limit some service features, we'll work to accommodate your preferences where possible.

Our website uses cookies and similar technologies to provide personalized experiences and improve functionality. You have control over these technologies and can adjust your preferences at any time.

Essential Cookies: These cookies are necessary for basic website functionality, such as maintaining your login session and remembering your preferences. They cannot be disabled if you want to use our services.

Analytics Cookies: We use these to understand how users interact with our platform, which pages are most helpful, and where improvements can be made. This data is aggregated and doesn't identify individual users.

Preference Cookies: These remember your choices about cookie preferences, language settings, and other customization options to provide a consistent experience across visits.

You can manage cookie preferences through your browser settings or our cookie preference center. Disabling certain cookies may affect website functionality, but core services will remain available.

tharivonquessa's services are designed for adults managing financial stress and are not intended for children under 18. We do not knowingly collect personal information from minors without appropriate parental consent.

If we discover that we've inadvertently collected information from someone under 18, we'll delete that information promptly. Parents or guardians who believe their child's information has been collected should contact us immediately.

For users aged 16-17 who may benefit from financial stress management education, we require parental consent and involvement in account setup and ongoing management.

We review and update this privacy policy regularly to reflect changes in our services, legal requirements, and privacy best practices. When we make significant changes, we'll notify users through multiple channels.

Notification Methods: Major changes will be communicated via email to all active users, prominent website notices, and in-app notifications. We'll provide at least 30 days' notice before significant changes take effect.

Change Types: Minor updates, such as clarifying existing practices or updating contact information, may be made without extensive notification. Substantial changes that affect how we collect, use, or share your information will always include advance notice and explanation.

Your Options: If you disagree with privacy policy changes, you can close your account before the changes take effect. Continuing to use our services after the effective date indicates acceptance of the updated policy.