Privacy Policy

Your privacy matters to us. This policy explains how novarilquint collects, uses, and protects your personal information when you use our annual budgeting services.

Last Updated:

March 15, 2025

1. Information We Collect

novarilquint collects information to provide effective annual budgeting services. We gather data through various means and maintain transparency about what information we collect and why.

Personal Information

  • Name, email address, and phone number when you contact us
  • Financial data you provide for budgeting analysis
  • Business information including income sources and expense categories
  • Communication preferences and service requirements
  • Payment information for our services (processed securely through third-party providers)

Technical Information

  • IP address and browser information when you visit our website
  • Device information and operating system details
  • Website usage patterns and page interactions
  • Cookies and similar tracking technologies (with your consent)

2. How We Use Your Information

Your information helps us deliver personalised budgeting services and improve our offerings. We use data responsibly and only for legitimate business purposes.

Primary Purpose: We use your information to provide annual budgeting services, create financial plans, and support your financial goals through expert guidance.

  • Analysing your financial situation and creating customised budget recommendations
  • Communicating about our services and responding to your enquiries
  • Processing payments and managing client accounts
  • Improving our services based on client feedback and usage patterns
  • Sending relevant financial tips and budgeting insights (with your permission)
  • Complying with legal obligations and regulatory requirements
  • Protecting against fraud and ensuring service security

We never sell your personal information to third parties or use it for purposes unrelated to our budgeting services.

3. Information Sharing and Disclosure

novarilquint maintains strict policies about sharing client information. We only share data when necessary to provide our services or when required by law.

Service Providers

We work with trusted third-party providers who help deliver our services:

  • Payment processors for secure transaction handling
  • Cloud storage providers for data backup and security
  • Email service providers for client communications
  • Analytics services to understand website usage

These providers are bound by strict confidentiality agreements and can only use your data for specified purposes.

Legal Requirements

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

  • Response to court orders or legal proceedings
  • Compliance with regulatory investigations
  • Protection of our rights and property
  • Prevention of fraud or illegal activities

4. Data Security and Protection

Protecting your financial information is our priority. We implement comprehensive security measures to safeguard your data against unauthorised access, loss, or misuse.

Security Measure Description
Encryption All data transmitted and stored is encrypted using industry-standard protocols
Access Controls Limited access to personal information on a need-to-know basis only
Regular Audits Periodic security assessments and vulnerability testing
Secure Servers Data stored on protected servers with multiple security layers
Staff Training Regular privacy and security training for all team members

Important Note: While we implement robust security measures, no system is completely secure. We encourage clients to use strong passwords and keep their account information confidential.

5. Your Rights and Choices

Under Australian privacy law, you have specific rights regarding your personal information. We respect these rights and provide clear processes for exercising them.

Access and Correction

You can request access to the personal information we hold about you. If information is incorrect or outdated, you can ask us to correct it. We'll respond to access requests within 30 days.

Data Portability

You can request a copy of your data in a commonly used format. This includes financial information and communication records we maintain for your account.

Marketing Communications

You can opt out of marketing communications at any time. Service-related communications will continue as necessary to support your budgeting services.

Account Deletion

You can request deletion of your account and associated data. Some information may be retained for legal or regulatory compliance purposes.

6. Data Retention and Disposal

We retain personal information only as long as necessary to provide services and meet legal obligations. Different types of data have different retention periods based on business needs and regulatory requirements.

Retention Periods

  • Client Files: Maintained for seven years after service completion
  • Financial Records: Kept for seven years as required by Australian tax law
  • Communication Records: Retained for three years for quality assurance
  • Website Analytics: Aggregated data retained for two years
  • Marketing Data: Deleted within one year of opting out

When data retention periods expire, we securely delete or destroy information using industry-standard methods. Secure disposal ensures data cannot be recovered or reconstructed.

7. Cookies and Website Tracking

Our website uses cookies to improve functionality and understand how visitors interact with our content. You control cookie settings through your browser preferences.

Types of Cookies We Use

  • Essential Cookies: Required for basic website functionality
  • Analytics Cookies: Help us understand website usage patterns
  • Preference Cookies: Remember your settings and preferences
  • Marketing Cookies: Used with your consent for relevant content

You can disable cookies through your browser settings, though this may affect website functionality. We respect "Do Not Track" signals where technically feasible.

8. Children's Privacy

novarilquint's services are designed for adults managing personal or business finances. We don't knowingly collect information from children under 16 years of age.

If we become aware that we've collected information from a child under 16, we'll delete it promptly. Parents or guardians who believe we may have information about their child should contact us immediately.

Our budgeting services involve complex financial concepts and legal agreements appropriate for adults. We encourage parental supervision if teenagers access financial education content on our website.

9. International Data Transfers

While novarilquint operates primarily within Australia, some service providers may process data internationally. We ensure adequate protection through appropriate safeguards.

Cross-Border Data Protection

  • Service agreements require compliance with Australian privacy standards
  • Data processing agreements include specific security requirements
  • Regular monitoring of international service provider practices
  • Notification requirements for any changes to data processing locations

We only work with international providers who demonstrate strong privacy protections and comply with recognised international privacy frameworks.

10. Privacy Policy Updates

This privacy policy may be updated to reflect changes in our services, legal requirements, or business practices. We notify clients of significant changes through email or website announcements.

Minor updates, such as clarifications or formatting changes, may be made without specific notification. We encourage periodic review of this policy to stay informed about how we protect your information.

Version History: Previous versions of this policy are available upon request. We maintain records of policy changes for transparency and compliance purposes.

Questions About This Policy?

Contact our privacy team for questions about this policy or your personal information.

Email: privacy@novarilquint.com

Phone: +61 2 6241 1008

Mail: novarilquint Privacy Officer
Westview St, Dubbo NSW 2830, Australia

We respond to privacy enquiries within five business days and provide regular updates on complex matters.