Privacy Policy
Effective Date: 15 January 2025
At quintavero, we take your privacy seriously. This isn't just corporate speak—we genuinely believe that your financial planning journey is personal, and the information you share with us deserves proper protection. This policy explains how we collect, use, and safeguard your data when you use our financial milestone planning services.
We've written this in plain English because privacy policies shouldn't require a law degree to understand. If something's unclear, reach out. We're here to help.
Information We Collect
Running a financial planning platform means we need certain information to deliver useful services. Here's what we gather and why it matters.
Personal Information You Provide
When you sign up or use our services, you might give us:
- Your name and contact details (email, phone number)
- Financial goals and milestone information you choose to track
- Account credentials and authentication data
- Payment information when you purchase premium features
- Communications you send us through support channels
Information We Collect Automatically
Like most digital services, our systems automatically log certain technical data:
- Device information (browser type, operating system, IP address)
- Usage patterns and feature interactions
- Session duration and page navigation paths
- Cookie data and similar tracking technologies
Important: We never collect your actual bank account credentials or direct access to your financial accounts. Any financial data you input is manually entered by you for planning purposes only.
How We Use Your Information
We're not in the business of hoarding data for its own sake. Everything we collect serves specific purposes related to making our service work better for you.
- Providing and personalizing your financial milestone planning tools
- Processing your account transactions and subscription payments
- Sending service updates, reminders, and milestone notifications
- Responding to your support requests and inquiries
- Improving our platform through usage analysis and feature development
- Detecting and preventing fraudulent activity or security breaches
- Complying with Australian legal requirements and regulations
We'll occasionally send educational content about financial planning if you've opted in. You can unsubscribe anytime—no hard feelings.
Legal Basis for Processing (Australian Context)
Under Australian privacy law, particularly the Privacy Act 1988 and the Australian Privacy Principles (APPs), we process your information based on:
- Contractual necessity—we need certain data to deliver the services you've signed up for
- Legitimate interests—improving our platform and preventing fraud benefits everyone
- Your explicit consent—particularly for marketing communications
- Legal obligations—complying with Australian financial services regulations
Data Sharing and Third Parties
We don't sell your personal information. Period. But running a modern service means working with trusted partners who help us operate effectively.
| Partner Type | Purpose | Data Shared |
|---|---|---|
| Cloud Hosting Providers | Data storage and platform infrastructure | Account data, usage information |
| Payment Processors | Handling subscription payments securely | Payment details, transaction records |
| Email Service Providers | Sending notifications and updates | Email address, name, notification preferences |
| Analytics Services | Understanding platform usage patterns | Anonymized usage data, technical information |
All partners are contractually bound to protect your data and can only use it for the specific purposes we've authorized. We vet them carefully and regularly review their security practices.
When Law Requires Disclosure
Sometimes we're legally obligated to share information—like responding to valid court orders, assisting law enforcement investigations, or complying with regulatory requirements from Australian authorities. We'll always review such requests carefully and only provide what's legally necessary.
Your Privacy Rights
Australian privacy law gives you substantial control over your personal information. Here's what you can do:
Access Your Data
Request a copy of all personal information we hold about you. We'll provide it in a commonly used format within 30 days.
Correct Inaccuracies
Ask us to update or fix any incorrect or incomplete information. You can also edit most details directly in your account settings.
Delete Your Information
Request deletion of your account and associated data. Some information may be retained for legal compliance purposes.
Object to Processing
Opt out of certain data uses, particularly marketing communications and non-essential analytics.
Data Portability
Request your data in a structured format that you can transfer to another service provider.
Lodge a Complaint
Contact the Office of the Australian Information Commissioner (OAIC) if you believe we've mishandled your data.
To exercise any of these rights, email us at info@quintavero.com with "Privacy Request" in the subject line. We'll verify your identity and respond within 30 days. Most requests are free, though we may charge reasonable fees for excessive or repeated requests.
Data Security Measures
We've implemented multiple layers of security to protect your information from unauthorized access, alteration, or destruction.
Technical Safeguards
- Industry-standard encryption for data in transit (TLS 1.3) and at rest (AES-256)
- Regular security audits and vulnerability assessments
- Secure authentication protocols and password hashing
- Automated backup systems with encrypted storage
- Network firewalls and intrusion detection systems
Organizational Practices
- Strict access controls—employees only access data necessary for their role
- Regular security training for all staff members
- Confidentiality agreements with team members and contractors
- Incident response procedures for potential security breaches
No system is completely foolproof, but we take security seriously and continuously work to stay ahead of emerging threats. If we ever detect a breach affecting your data, we'll notify you promptly as required by Australian law.
Data Retention
We keep your information only as long as necessary for legitimate business purposes or legal requirements.
| Data Type | Retention Period |
|---|---|
| Active account information | Duration of account plus 7 years for financial records |
| Transaction records | 7 years (Australian tax law requirement) |
| Support communications | 3 years after case resolution |
| Marketing consent records | Duration of consent plus 2 years |
| Anonymized analytics data | Indefinitely (cannot identify individuals) |
When you close your account, we'll delete or anonymize your personal data within 90 days, except where longer retention is legally required. Financial transaction records must be kept for seven years under Australian taxation law.
International Data Transfers
Your data is primarily stored on servers located in Australia. However, some of our service providers operate globally, which may involve transferring your information outside Australia.
When international transfers occur, we ensure appropriate safeguards are in place:
- Contracts requiring overseas recipients to comply with Australian privacy standards
- Verification that recipient countries have adequate privacy protections
- Use of international frameworks like standard contractual clauses
We'll always prioritize Australian data storage options when functionally and economically viable.
Cookies and Tracking Technologies
Like most websites, we use cookies and similar technologies to make our platform work properly and understand how people use it.
Essential Cookies
These are necessary for basic functionality—keeping you logged in, remembering your settings, and ensuring security. You can't opt out of these without breaking the service.
Analytics Cookies
We use these to understand which features people find useful and where they encounter difficulties. This helps us improve the platform for everyone. You can disable these in your account settings.
Marketing Cookies
Only used with your consent to show relevant content and measure campaign effectiveness. Easily disabled at any time.
Your browser settings also let you control cookie behavior, though blocking all cookies might affect how the platform functions.
Children's Privacy
Our service isn't designed for children under 18. We don't knowingly collect information from minors. If you're a parent or guardian and believe your child has provided us with personal information, contact us immediately and we'll delete it.
Changes to This Policy
We update this policy occasionally to reflect new features, legal requirements, or improved practices. When significant changes occur, we'll notify you via email or through a prominent platform notice.
The "Effective Date" at the top shows when the current version took effect. Continued use of our services after changes indicates acceptance of the updated terms.
Third-Party Links
Our platform might link to external websites or services we don't control. This privacy policy only applies to quintavero—once you click through to another site, their privacy practices take over. We recommend reviewing their policies before sharing personal information.
Contact Us About Privacy
Questions about this policy? Want to exercise your privacy rights? We're here to help.
quintavero
Tuggeranong Arts Centre
Cowlishaw St, Greenway ACT 2900
Australia
Email: info@quintavero.com
Phone: +61 423 075 889
For formal complaints about privacy handling, you can also contact:
Office of the Australian Information Commissioner (OAIC)
Website: www.oaic.gov.au