Overview

At zircalexon, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you use our family financial planning services. We're committed to being transparent about our data practices and giving you control over your information.

This privacy policy applies to all services offered through zircalexon.com and any related communications. By using our services, you agree to the collection and use of information in accordance with this policy and Australian privacy laws.

Information We Collect

Personal Information

We collect information that you voluntarily provide to us, including:

• Contact details: name, email address, phone number, and postal address
• Financial information: income details, expenses, investment goals, and risk tolerance
• Family information: dependents, spouse details, and family financial goals
• Identification documents as required by Australian financial services regulations
• Communication preferences and service feedback

Technical Information

When you visit our website or use our services, we automatically collect:

• Device information: IP address, browser type, operating system
• Usage data: pages visited, time spent, and interaction patterns
• Location information (general geographic area based on IP address)
• Cookies and similar tracking technologies for website functionality

How We Use Your Information

We use your personal information exclusively for legitimate business purposes related to providing financial planning services:

• Delivering personalised financial advice and planning services
• Communicating about your account, services, and important updates
• Complying with legal and regulatory requirements under Australian law
• Improving our services based on your feedback and usage patterns
• Preventing fraud and maintaining security of our systems
• Sending relevant educational content about family financial planning

Information Sharing and Disclosure

We maintain strict controls over who has access to your personal information. We only share your data in specific circumstances:

Authorised Service Providers

We work with carefully selected third-party providers who help us deliver our services. These include:

• Cloud storage providers for secure data hosting
• Payment processors for subscription and service payments
• Email service providers for client communications
• Professional advisors (lawyers, accountants) when necessary

All service providers are bound by confidentiality agreements and must comply with Australian privacy standards.

Legal Requirements

We may disclose your information when required by law, including:

• Compliance with Australian Securities and Investments Commission (ASIC) requirements
• Court orders or legal proceedings
• Anti-money laundering and counter-terrorism financing obligations
• Tax reporting requirements to the Australian Taxation Office

Your Rights Under Australian Privacy Law

Under the Privacy Act 1988 (Commonwealth), 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 or out of date. We'll respond to access requests within 30 days.

Data Portability

You can request a copy of your personal information in a commonly used electronic format. This includes your financial data, communication history, and service records.

Erasure Rights

You may request deletion of your personal information, subject to our legal obligations to retain certain records. We'll explain any limitations and provide alternative options where possible.

Complaint Process

If you have concerns about how we handle your personal information:

1. Contact our privacy officer using the details below
2. We'll investigate and respond within 30 days
3. If unsatisfied, you can contact the Office of the Australian Information Commissioner

Data Security and Protection

We employ multiple layers of security to protect your personal and financial information:

Technical Safeguards

• 256-bit SSL encryption for all data transmission
• Regular security audits and penetration testing
• Multi-factor authentication for system access
• Automated backup systems with encryption at rest
• Network monitoring and intrusion detection

Physical and Administrative Controls

• Secure office premises with restricted access
• Background checks for all staff with data access
• Regular privacy and security training programs
• Incident response procedures for potential breaches
• Document destruction protocols for paper records

International Data Transfers

Your personal information is primarily stored and processed within Australia. However, some of our service providers may process data overseas, including:

• United States - for cloud storage services with companies meeting strict security standards
• Singapore - for payment processing through regulated financial institutions

All international transfers are governed by agreements ensuring your data receives the same level of protection as required under Australian privacy law. We conduct regular audits of overseas providers to maintain compliance.

Cookies and Website Analytics

Our website uses cookies to enhance your experience and understand how our services are used:

Essential Cookies

These cookies are necessary for website functionality and cannot be disabled. They enable basic functions like page navigation and access to secure areas.

Analytics Cookies

We use analytics tools to understand website usage patterns and improve our services. This data is aggregated and doesn't identify individual users.

Managing Cookie Preferences

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality. We don't use third-party advertising cookies or tracking pixels.

Changes to This Privacy Policy

We review and update this privacy policy annually or when there are significant changes to our data practices or legal requirements. When we make important changes:

• We'll notify existing clients via email at least 30 days before changes take effect
• We'll post updates prominently on our website
• For material changes, we may request your renewed consent
• Previous versions are archived and available upon request

Continued use of our services after policy changes constitutes acceptance of the updated terms.