Information We Collect

glariorivoxa collects information in several ways to provide you with our financial stress management services. We believe in being transparent about what we collect and why.

Personal Information You Provide

When you interact with our services, you may choose to provide us with:

• Name, email address, and phone number when you contact us or register for our programs
• Demographic information such as age, location, and employment status
• Financial situation details when you participate in our stress management assessments
• Communication preferences and feedback about our services
• Payment information when you enroll in our learning programs

Information We Collect Automatically

When you visit our website, we automatically collect certain technical information:

• IP address, browser type, and device information
• Pages visited, time spent on our site, and navigation patterns
• Referral sources and search terms used to find our website
• Cookie data and similar tracking technologies

Information from Third Parties

We may receive information from:

• Social media platforms when you interact with our content
• Marketing partners who help us reach potential clients
• Professional referral sources with your explicit consent

How We Use Your Data

Your information helps us provide better financial stress management services. Here's exactly how we use different types of data:

Purpose	Data Used	Legal Basis (Australian Privacy Act)
Service Delivery	Contact information, program preferences	Contract performance
Communication	Email, phone, communication preferences	Legitimate interest
Program Customization	Financial situation, stress levels	Consent
Website Improvement	Usage analytics, feedback	Legitimate interest
Marketing	Contact details, preferences	Consent

Specific Use Cases

We process your personal information to:

• Assess your financial stress levels and recommend appropriate support programs
• Schedule consultations and follow-up sessions with our financial wellness experts
• Send you educational content about financial stress management techniques
• Provide customer support and respond to your inquiries
• Improve our website functionality and user experience
• Comply with legal obligations under Australian financial services regulations

Data Sharing and Third Parties

glariorivoxa does not sell your personal information. We only share your data in specific, limited circumstances that support your experience with our services.

Service Providers

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

• Email marketing platforms for sending educational content and updates
• Payment processors for handling program enrollments securely
• Analytics providers to understand website usage and improve our services
• Customer support platforms to manage inquiries effectively
• Cloud hosting services to maintain our website and store data securely

Professional Partners

With your explicit consent, we may share relevant information with:

• Licensed financial counselors who provide specialized support
• Mental health professionals when financial stress requires additional support
• Educational institutions offering complementary financial literacy programs

Legal Requirements

We may disclose your information when required by:

• Australian Securities and Investments Commission (ASIC) regulations
• Court orders or legal proceedings
• Emergency situations involving personal safety
• Investigations of suspected fraudulent activity

Your Privacy Rights Under Australian Law

The Australian Privacy Act 1988 gives you significant control over your personal information. Here are your rights and how to exercise them:

Security Measures

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.

Data Breach Procedures

In the unlikely event of a data breach that poses serious harm:

• We'll notify the Office of the Australian Information Commissioner within 72 hours
• Affected individuals will be contacted within 24 hours of discovery
• We'll provide clear information about what happened and steps you should take
• Our incident response team will implement immediate containment measures

Cookie Policy

Our website uses cookies to enhance your browsing experience and help us understand how visitors use our site.

Types of Cookies We Use

Essential Cookies

These cookies are necessary for the website to function properly:

• Session cookies that remember your preferences during your visit
• Security cookies that protect against fraudulent activity
• Load balancing cookies that ensure optimal website performance

Analytics Cookies

We use these to understand website usage patterns:

• Google Analytics to track page views and user behavior
• Heat mapping tools to see how users interact with our pages
• Performance monitoring to identify and fix technical issues

Marketing Cookies

With your consent, we may use:

• Social media pixels to measure campaign effectiveness
• Remarketing cookies to show relevant ads on other websites
• Conversion tracking to understand which content is most helpful

Managing Your Cookie Preferences

You can control cookie settings through your browser:

• Most browsers allow you to view, delete, and block cookies
• You can opt out of analytics cookies without affecting site functionality
• Marketing cookies can be disabled while still receiving our services
• Essential cookies cannot be disabled without affecting website operation

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected and to comply with legal obligations.

Retention Periods

• Contact Information: Retained for 3 years after last interaction unless you request deletion
• Program Participation Data: Kept for 5 years to track outcomes and improve services
• Website Analytics: Anonymized after 2 years, aggregated data retained indefinitely
• Financial Assessment Data: Deleted after 7 years in compliance with financial services regulations
• Marketing Communications: Removed immediately upon unsubscribe request
• Support Inquiries: Retained for 2 years for quality assurance and training purposes

Deletion Process

When retention periods expire or you request deletion:

• Data is permanently removed from active systems within 30 days
• Backup systems are purged during the next scheduled maintenance cycle
• Third-party processors are notified to delete shared information
• You'll receive confirmation once deletion is complete

International Data Transfers

While we primarily store data within Australia, some third-party services may involve international transfers. We ensure appropriate protections are in place.

Transfer Safeguards

• All international transfers comply with Australian Privacy Principle 8
• Service providers must demonstrate equivalent privacy protection
• Data processing agreements include specific privacy and security requirements
• Regular audits ensure ongoing compliance with Australian privacy standards

Specific Transfer Locations

Your data may be processed in these locations with appropriate safeguards:

• United States: Email marketing and customer support platforms
• European Union: Website analytics and security monitoring services
• New Zealand: Cloud hosting and backup services under Trans-Tasman mutual recognition

Children's Privacy

Our financial stress management services are designed for adults. We do not knowingly collect personal information from children under 18 without parental consent.

Age Verification

• Our registration forms include age verification questions
• Program materials are designed for adult financial situations
• If we discover we've collected information from a minor, we'll delete it immediately
• Parents can contact us to request deletion of their child's information

Family Financial Education

For parents interested in teaching children about financial wellness:

• We provide age-appropriate resources you can share with your children
• Educational materials can be downloaded without registration
• Family workshops require adult supervision and parental consent

Policy Updates

We review and may update this privacy policy annually or when we make significant changes to our services.

Notification Process

When we update our privacy policy:

• We'll email active users about material changes at least 30 days in advance
• Website visitors will see a prominent notification about policy updates
• The "Last Updated" date at the top of this page will reflect the most recent changes
• Previous versions are archived and available upon request

Your Options

If you disagree with policy changes:

• Contact us within 30 days to discuss your concerns
• Request deletion of your information before changes take effect
• Opt out of any new data uses that weren't previously authorized

Contact Information

For any privacy-related questions, concerns, or requests, please don't hesitate to contact our dedicated Privacy Officer.

Response Times

• Privacy inquiries: We'll acknowledge your message within 2 business days
• Data access requests: Fulfilled within 30 days of verification
• Correction requests: Processed within 5 business days
• Deletion requests: Completed within 30 days, with confirmation provided

External Privacy Resources

If you're not satisfied with our response, you can contact:

• Office of the Australian Information Commissioner
  Website: oaic.gov.au
  Phone: 1300 363 992
• Australian Financial Complaints Authority
  Website: afca.org.au
  Phone: 1800 931 678