zexorinavalo

Who We Are

zexorinavalo operates as a financial education and advisory service provider in Australia. We're committed to helping individuals and families make informed financial decisions through practical education and personalised guidance. Our registered office is located at 7 Seaforth Ave, Oatley NSW 2223, Australia.

This privacy policy explains how we collect, use, store and protect your personal information when you interact with our services, visit our website, or engage with our educational programs. We take your privacy seriously and comply with the Australian Privacy Principles under the Privacy Act 1988.

Information We Collect

The information we gather helps us provide relevant financial education and tailored advice. We collect different types of information depending on how you interact with our services.

Personal details including name, email address, phone number, and postal address
Financial information such as income, expenses, existing investments, and financial goals
Website usage data including pages visited, time spent, and interaction patterns
Communication records from emails, phone calls, and consultation sessions
Educational program participation and progress information
Survey responses and feedback about our services

How We Collect This Information

Most information comes directly from you through forms, consultations, or phone conversations. We also use website analytics tools to understand how visitors use our site, and we may receive information from partner organisations when you're referred to us.

How We Use Your Information

Your information helps us deliver better financial education and more relevant advice. We use it to understand your situation, track your progress, and keep you informed about opportunities that match your interests.

Primary Uses Include

Providing personalised financial education content, conducting consultations, sending program updates, improving our services based on feedback, and meeting legal obligations under Australian financial services regulations.

We may also use aggregated, non-identifiable information for research purposes to better understand financial literacy needs in Australia. This helps us develop more effective educational programs and resources.

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, there are specific circumstances where we may share information to provide you with better service or meet legal requirements.

Service Providers

Trusted partners who help us deliver services, such as email platforms, payment processors, and educational content providers. These partners are contractually bound to protect your information.

Legal Requirements

When required by Australian law, court orders, or regulatory authorities such as ASIC. We may also disclose information to protect our rights or prevent fraud.

Professional Partners

Qualified financial advisers or specialists who can provide additional services you've requested, but only with your explicit consent.

Business Changes

If zexorinavalo is sold or merges with another company, your information may transfer to the new owners, who must continue protecting it under the same standards.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information. These rights are designed to give you control over how your information is used and stored.

Access and Correction

You can request a copy of the personal information we hold about you. If any details are incorrect or outdated, you can ask us to update them. We'll respond to access requests within 30 days, though complex requests may take longer.

Deletion and Portability

You can request that we delete your personal information, subject to any legal obligations we have to retain certain records. You can also request that we transfer your information to another service provider in a commonly used format.

Making a Request

To exercise any of these rights, contact us at info@zexorinavalo.com or call +61249831645. We may need to verify your identity before processing your request to protect your information from unauthorized access.

Data Security and Storage

We implement multiple layers of security to protect your information from unauthorized access, alteration, or disclosure. Our security measures are regularly reviewed and updated to address new threats.

Encrypted data transmission using industry-standard TLS protocols
Secure cloud storage with Australian data centres and regular backups
Access controls ensuring only authorized staff can view your information
Regular security audits and vulnerability assessments
Staff training on privacy and data protection best practices
Incident response procedures for any potential security breaches

While we take extensive precautions, no system is completely secure. We encourage you to protect your own information by using strong passwords and being cautious about sharing sensitive details via email or unsecured channels.

Data Retention

We keep your information only as long as necessary to provide our services and meet legal requirements. Different types of information have different retention periods based on their purpose and legal obligations.

Retention Periods

Financial advice records are retained for seven years after the last service provision, as required by Australian financial services regulations. Educational program information is kept for three years after completion. Marketing communication preferences are maintained until you opt out or close your account.

When information reaches the end of its retention period, we securely delete it from our systems. Some information may be retained longer if required for ongoing legal matters or regulatory compliance.

Cookies and Website Technology

Our website uses cookies and similar technologies to improve your browsing experience and help us understand how visitors use our site. Most cookies we use are essential for the website to function properly.

Essential Cookies

Required for basic website functionality, including security features and remembering your preferences during a visit.

Analytics Cookies

Help us understand website usage patterns so we can improve content and user experience. This data is anonymized and aggregated.

You can control cookie preferences through your browser settings. Disabling certain cookies may affect website functionality, but you can still access most of our content and services.

International Data Transfers

We primarily store and process your information within Australia using local data centres and service providers. However, some of our technology partners may process information in other countries with adequate privacy protections.

When information is transferred overseas, we ensure the receiving country has adequate privacy protections under Australian law, or we implement additional safeguards such as contractual protections. We never transfer information to countries without adequate protections unless required by law or with your explicit consent.

Children's Privacy

Our services are designed for adults seeking financial education and advice. We don't knowingly collect personal information from children under 16 years old. If you're a parent or guardian and believe we may have collected information about your child, please contact us immediately.

Educational programs involving minors require parental consent and have additional privacy protections. Parents can request access to their child's information or ask for it to be deleted at any time.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. When we make significant changes, we'll notify you via email or through a prominent notice on our website.

Minor updates, such as clarifying existing practices or updating contact information, may be made without specific notification. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

Making Complaints

If you have concerns about how we've handled your personal information, we want to hear from you. Most privacy concerns can be resolved quickly through direct communication with our team.

Complaint Process

Contact us first at info@zexorinavalo.com or +61249831645. We'll investigate your complaint and respond within 30 days. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner.

Privacy Policy