tovianthero - Smart Budget Planning & Financial Goals

Introduction and Scope

tovianthero Financial Planning Services ("tovianthero", "we", "us", or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website tovianthero.com or use our goal budget planning services.

This policy applies to all users of our services within Australia and complies with the Australian Privacy Principles under the Privacy Act 1988 (Cth). We understand that financial planning requires trust, and we take this responsibility seriously in every aspect of how we handle your data.

Important: By using our services, you consent to the collection and use of your information as described in this Privacy Policy. If you disagree with any part of this policy, please discontinue use of our services.

Information We Collect

Personal Information

We collect various types of information to provide you with comprehensive budget planning services. The personal information we gather includes details necessary for financial planning and account management.

Contact Details

Full name and preferred name
Email addresses (primary and secondary)
Phone numbers (mobile and landline)
Postal address and residential address
Date of birth and age verification

Financial Information

Income sources and amounts
Employment details and salary information
Existing debts and financial obligations
Investment accounts and asset details
Banking information for service delivery

Technical and Usage Data

When you interact with our website and services, we automatically collect certain technical information. This includes your IP address, browser type, device information, and how you navigate through our platform. We also track which features you use most frequently to improve our service delivery.

Our system logs record when you access different sections of your budget planning tools, though we don't monitor the specific content of your financial data unless required for service provision or troubleshooting.

How We Use Your Information

Your information serves multiple purposes in delivering our comprehensive budget planning services. We use your data primarily to create personalized financial strategies and maintain your account security.

Creating and maintaining your personalized budget planning profile
Providing tailored financial advice and goal-setting recommendations
Processing transactions and managing your account preferences
Communicating important updates about your financial plans
Improving our services through usage analysis and feedback integration
Complying with Australian financial services regulations and reporting requirements
Protecting against fraudulent activities and maintaining system security
Sending educational content about financial planning and budgeting strategies

We never use your financial information for marketing purposes without explicit consent. Your budget details and personal financial goals remain confidential and are only accessed by authorized personnel for service delivery.

Information Sharing and Disclosure

Service Providers and Partners

We work with trusted third-party service providers to deliver our budget planning services effectively. These partners include cloud hosting providers, payment processors, and specialized financial software vendors. All partners are bound by strict confidentiality agreements and must comply with Australian privacy standards.

We may share limited information with financial institutions when integrating account data for budget tracking purposes, but only with your explicit permission and through secure, encrypted channels.

Legal Requirements

Under certain circumstances, we may be required to disclose your information to comply with Australian law, respond to legal processes, or cooperate with government investigations. This includes reporting suspicious financial activities as required under anti-money laundering legislation.

We will always attempt to notify you of such disclosures unless prohibited by law or court order. In cases where disclosure is requested but not legally mandated, we will challenge inappropriate requests to protect your privacy.

Your Privacy Rights

Under Australian privacy law, you have significant control over your personal information. We've designed our systems to make exercising these rights straightforward and responsive.

A

Access Your Data

Request a complete copy of all personal information we hold about you, including how it's been used and shared.

C

Correct Information

Update or correct any inaccurate personal information in your profile or financial records at any time.

D

Delete Your Data

Request deletion of your personal information, subject to legal retention requirements for financial records.

R

Restrict Processing

Limit how we use your information while maintaining essential service functionality and legal compliance.

O

Opt-Out Options

Withdraw consent for marketing communications and optional data processing activities.

P

Data Portability

Receive your data in a structured format for transfer to other financial service providers.

To exercise any of these rights, contact our Privacy Officer using the details provided below. We respond to all requests within 30 days and provide clear explanations if any limitations apply to your specific situation.

Data Security and Protection

We implement comprehensive security measures to protect your financial information from unauthorized access, alteration, or disclosure. Our security framework includes multiple layers of protection designed specifically for sensitive financial data.

Technical Safeguards

256-bit SSL encryption for all data transmission and storage
Multi-factor authentication for all account access
Regular security audits and penetration testing by independent experts
Automated threat monitoring and intrusion detection systems
Secure data centers with physical access controls and 24/7 monitoring
Regular data backups stored in geographically separate locations

Administrative Controls

Our staff undergo comprehensive privacy and security training, and access to your information is strictly limited to personnel who require it for service delivery. We maintain detailed access logs and conduct regular reviews to ensure compliance with our privacy policies.

All employees sign confidentiality agreements and are subject to background checks. We maintain incident response procedures to quickly address any potential security breaches and will notify affected users within 72 hours of discovering any unauthorized access.

Data Retention and Disposal

We retain your personal information only as long as necessary to provide our services and comply with legal requirements. Financial records are subject to specific retention periods under Australian law, typically seven years from the end of our relationship.

Active Account Data

While your account remains active, we maintain all necessary information to provide continuous service and track your financial progress over time.

Post-Service Retention

After service termination, we retain essential records for legal compliance but securely delete unnecessary personal details and communication records.

When information is no longer required, we use secure deletion methods that make data unrecoverable. This includes overwriting digital storage and physical destruction of any paper records containing personal information.

International Data Transfers

While tovianthero operates primarily within Australia, some of our technology providers may process data internationally. When this occurs, we ensure appropriate safeguards are in place to maintain the same level of protection required under Australian privacy law.

We only transfer data to countries with adequate privacy protections or service providers who have signed comprehensive data protection agreements. You can request specific information about international transfers affecting your data by contacting our Privacy Officer.

We never transfer your data to countries or organizations that don't provide adequate privacy protections, and we maintain the right to audit our international partners' compliance with our privacy standards.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your user experience and improve our services. We use both essential cookies required for basic functionality and optional cookies for analytics and personalization.

Types of Cookies We Use

Essential cookies for login authentication and security features
Functional cookies to remember your preferences and settings
Analytics cookies to understand how users interact with our website
Performance cookies to optimize loading times and user experience

You can control cookie settings through your browser preferences, though disabling essential cookies may affect your ability to use certain features of our service. We provide clear cookie consent options and respect your choices about optional tracking technologies.

Changes to This Privacy Policy

We review and update this Privacy Policy regularly to ensure it remains current with our practices and legal requirements. When we make significant changes, we will notify you via email and display a prominent notice on our website.

Minor updates for clarity or administrative changes may be made without individual notification, but we will always update the "Last Updated" date at the top of this policy. We encourage you to review this policy periodically to stay informed about how we protect your information.

If you disagree with any changes to this Privacy Policy, you may close your account and request deletion of your information, subject to legal retention requirements.

Privacy Policy