Privacy Policy

At selarionphov, we understand that managing your financial stress requires trust - and trust begins with transparency about how we handle your personal information. This privacy policy explains our data practices in plain language, because you deserve to know exactly what happens with your information when you use our platform.

Information We Collect

How We Use Your Information

Your information serves specific purposes that directly benefit your financial wellness journey. We don't collect data just because we can - every piece of information has a clear purpose.

• Providing personalized financial stress management recommendations based on your specific situation and goals
• Tracking your progress over time and celebrating your achievements in reducing financial stress
• Sending relevant educational content and resources that match your identified stress areas
• Improving our platform's effectiveness through usage pattern analysis and user feedback
• Communicating important updates about our services or changes that might affect your account

Data Sharing and Third Parties

We're selective about when and why we share your information. Your financial stress data is sensitive, and we treat it that way.

We work with trusted service providers who help us operate our platform - cloud hosting services, email delivery systems, and analytics tools. These partners are contractually required to protect your data and can only use it for the specific services they provide to us.

In rare circumstances, we might need to share information to comply with legal requirements, protect our users' safety, or respond to valid legal requests from Australian authorities.

Your Privacy Rights

Data Security and Protection

Protecting your information isn't just about technology - it's about creating multiple layers of security that work together. We use industry-standard encryption to protect data both when it's stored and when it travels between your device and our servers.

Our security measures include regular security audits, staff training on privacy best practices, and strict access controls that ensure only authorized team members can access your information when necessary for providing support.

We monitor our systems continuously for suspicious activity and have incident response procedures ready if any security issues arise. You'll be notified promptly if any breach affects your personal information.

Data Retention

We keep your information only as long as necessary to provide our services and fulfill the purposes outlined in this policy. Account information and financial wellness data are typically retained while your account remains active, plus an additional 12 months after account closure to handle any potential issues.

Usage analytics and aggregated data may be retained longer for service improvement purposes, but this information is anonymized and can't be traced back to individual users.

International Data Transfers

While we're based in Australia and our primary servers are located here, some of our trusted service providers may process data internationally. When this happens, we ensure these transfers comply with Australian Privacy Principles and include appropriate safeguards to protect your information.

Children's Privacy

Our platform is designed for adults managing financial stress. We don't knowingly collect personal information from anyone under 18 years of age. If you're a parent and believe your child has provided us with personal information, please contact us immediately.

Changes to This Policy

We review and update this privacy policy annually or when significant changes occur to our data practices. When we make important changes, we'll notify you through your registered email address at least 30 days before the changes take effect.

Minor updates, like clarifications or formatting improvements, might be made without advance notice. We always post the most current version on our website with the revision date clearly marked.