Privacy Policy
Last Updated: February 15, 2025
At cyrenvalora, we understand that your financial information is deeply personal. This policy explains how we handle your data with the respect and care it deserves.
We're committed to transparency about our practices. If something isn't clear here, reach out and we'll explain it in plain terms.
Privacy Enquiries
Address: 595 Smollett St, Albury NSW 2640, Australia
Phone: +61424057005
Email: help@cyrenvalora.com
Information We Collect
What You Share With Us
When you sign up for our budgeting programs or use our planning tools, we collect information you provide directly. This includes your name, email address, phone number, and financial goals you've chosen to share.
For our education programs, we also collect data about your learning progress and which resources you find most helpful. This helps us improve our materials and give you better recommendations.
| Information Type | Purpose | Retention Period |
|---|---|---|
| Contact details | Account management and communication | Duration of relationship plus 2 years |
| Learning progress data | Educational support and recommendations | Duration of program plus 1 year |
| Financial goals (optional) | Personalised guidance and planning | Until you request deletion |
| Payment information | Processing course fees and subscriptions | As required by Australian tax law (7 years) |
| Technical usage data | Platform improvement and security | 12 months maximum |
Technical Information
Like most websites, we automatically collect certain technical data. This includes your IP address, browser type, device information, and how you navigate through our site. We use this to keep our platform secure and figure out which features actually help people.
We don't track you across other websites or sell this data to third parties. What happens on our platform stays within our systems.
How We Use Your Information
Core Principle
We use your data to deliver the financial education services you've signed up for. Nothing more, nothing less.
Your information helps us provide better learning experiences and support. Here's what that actually means in practice:
- Sending you course materials and updates about programs you're enrolled in
- Responding to your questions and providing support when you need it
- Improving our curriculum based on what helps people succeed
- Meeting our legal obligations under Australian financial education regulations
- Protecting against misuse of our platform and keeping your account secure
- Sending occasional updates about new courses that match your interests (you can opt out anytime)
Marketing Communications
We'll occasionally email you about new programs or resources that align with your learning goals. Every message includes a clear unsubscribe option. We send these sparingly because we know your inbox is already full.
Your Privacy Rights Under Australian Law
The Australian Privacy Principles give you specific rights regarding your personal information. We've built our systems to make exercising these rights straightforward.
Access Your Data
Request a copy of all information we hold about you. We'll provide it within 30 days in a readable format.
Correct Information
Update or fix any details that are inaccurate or outdated. Most of this you can do directly in your account settings.
Delete Your Data
Request deletion of your personal information, subject to legal requirements for record-keeping.
Object to Processing
Tell us to stop using your data for specific purposes like marketing communications.
Data Portability
Get your data in a format you can transfer to another service provider if you choose to leave.
Lodge a Complaint
Contact the Office of the Australian Information Commissioner if you believe we've mishandled your data.
How to Exercise Your Rights
-
1
Submit Your Request
Email help@cyrenvalora.com with your request. Include enough detail so we can verify your identity and understand what you need.
-
2
Identity Verification
We'll ask for proof of identity to protect your information from unauthorised access. This usually means confirming details from your account.
-
3
Processing
We'll process your request within 30 days. If something will take longer, we'll let you know why and give you a timeframe.
-
4
Confirmation
Once completed, we'll confirm what actions we've taken and answer any follow-up questions you have.
Data Sharing and Third Parties
We don't sell your personal information. Period. But we do work with some trusted service providers to run our education platform effectively.
Service Providers We Work With
These companies help us deliver our services but can only use your data for the specific purposes we've authorised:
- Email Platform: For sending course materials and communications
- Payment Processor: To handle course fees securely (we never see your full payment details)
- Cloud Hosting: Australian-based servers where your data is stored
- Analytics Tools: To understand how people use our platform and improve it
- Customer Support Software: For managing enquiries and providing assistance
All these providers are bound by contracts that require them to protect your data and use it only as we've specified. We vet them carefully and review their security practices regularly.
Australian Data Storage
Your primary data is stored on servers located in Australia. Some service providers may process data overseas, but we ensure they meet Australian privacy standards through binding agreements.
Legal Requirements
Sometimes we're legally required to share information with government authorities. This only happens when we receive a valid legal request, such as a court order or subpoena. We'll notify you if this occurs unless we're legally prohibited from doing so.
Security Measures
We take security seriously because financial education involves trust. Here's what we do to protect your information:
Encryption
All data transmitted between your device and our servers is encrypted using industry-standard TLS protocols.
Access Controls
Only authorised staff can access personal data, and only when necessary for their specific role.
Regular Audits
We conduct security reviews quarterly and update our practices based on emerging threats.
Secure Storage
Data is stored in Australian facilities with physical and digital security measures.
Backup Systems
Regular encrypted backups ensure we can recover your data if something goes wrong.
Incident Response
Clear procedures for detecting, responding to, and notifying you of any security incidents.
No system is completely immune to security risks, but we continuously work to minimise those risks and respond quickly if something does happen.
Your Part in Security
Choose a strong password and don't share your login credentials. If you think your account has been compromised, contact us immediately at help@cyrenvalora.com.
Cookies and Tracking
We use cookies to make our platform work properly and to understand how people use it. A cookie is a small file stored on your device that helps us remember your preferences and provide a better experience.
Types of Cookies We Use
Essential Cookies: These keep you logged in and remember your settings. The platform won't work properly without them.
Analytics Cookies: These help us understand which features people find useful and where they get stuck. We use this information to improve our courses and platform.
Preference Cookies: These remember your choices like language settings or display preferences.
You can control cookies through your browser settings. Blocking essential cookies will affect how the platform works, but you can disable analytics cookies if you prefer.
Children's Privacy
Our services are designed for adults managing their own finances. We don't knowingly collect information from anyone under 18 years old.
If you're under 18 and interested in financial education, ask a parent or guardian to create an account and work through the materials with you. If we discover we've accidentally collected data from someone under 18, we'll delete it promptly.
Changes to This Policy
We'll update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and post a notice on our platform.
The date at the top of this page shows when it was last updated. We recommend checking back periodically, especially if you haven't reviewed it in a while.
Material Changes
If we make changes that significantly affect your privacy rights, we'll ask for your consent before implementing them. You'll always have the option to stop using our services if you disagree with the changes.
Data Retention
We keep your information only as long as necessary to provide our services and meet legal obligations. Different types of data have different retention periods based on their purpose.
Standard Retention Periods
Account information stays active while you use our services and for two years after your last activity. This gives you time to return without losing your progress.
Financial records related to course payments must be kept for seven years under Australian tax law. Learning progress data is retained for one year after program completion to support certificates and references.
Technical logs and security data are kept for twelve months, then automatically deleted unless needed for ongoing investigations.
Requesting Early Deletion
You can request deletion of your data before these periods expire. We'll honour that request except where we're legally required to retain certain records. We'll explain which information we need to keep and why.
International Data Transfers
Your data is primarily stored and processed in Australia. Some of our service providers operate internationally, which means your information might be processed in other countries.
When this happens, we ensure these providers meet Australian privacy standards through contractual agreements. We only work with companies in countries that have adequate data protection laws or that agree to protect your information to Australian standards.