At novarelythiq, we understand that trust forms the foundation of every meaningful financial relationship. This privacy policy outlines how we collect, use, and protect your personal information when you engage with our financial decision-making services and educational resources.

We operate under Australian Privacy Principles (APPs) as outlined in the Privacy Act 1988 (Cth), ensuring your personal information receives the highest level of protection. This policy applies to all interactions with novarelythiq, whether through our website, educational programs, or direct consultations.

Personal Information

We collect information that helps us provide personalized financial guidance and educational content. This includes:

• Contact details (name, email, phone number, postal address)
• Financial circumstances and goals shared during consultations
• Educational program preferences and learning progress
• Communication records from our interactions
• Professional background information relevant to financial planning

Technical Information

When you visit our website or use our online resources, we automatically collect:

• IP address and location data
• Browser type and device information
• Pages visited and time spent on our site
• Referral sources and search terms used
• Cookie data for website functionality and preferences

Your information enables us to deliver meaningful financial education and guidance tailored to your specific circumstances. We use collected data to:

• Provide personalized financial decision-making support and educational content
• Communicate program updates, educational resources, and relevant financial insights
• Improve our services based on user feedback and engagement patterns
• Comply with legal and regulatory requirements in the financial services sector
• Protect against fraud and maintain the security of our systems
• Conduct research to enhance our educational methodologies

We never use your personal information for purposes unrelated to financial education and guidance without explicit consent. Marketing communications are always optional, and you can unsubscribe at any time.

We maintain strict controls over information sharing. Your personal data may be shared only in these specific circumstances:

Service Providers

We work with trusted partners who help deliver our services, including technology providers, payment processors, and educational platform administrators. These partners are bound by confidentiality agreements and can only use your information for specified purposes.

Legal Requirements

We may disclose information when required by Australian law, court orders, or regulatory authorities. This includes compliance with financial services regulations and anti-money laundering requirements.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business. You'll receive advance notice of any such changes.

Consent-Based Sharing

With your explicit consent, we may share information with other financial professionals or educational institutions to enhance your learning experience or provide comprehensive support.

Under Australian privacy law, you have comprehensive rights regarding your personal information. We've made exercising these rights straightforward:

How to Exercise Your Rights

To exercise any of these rights, contact our privacy team using the details provided below. We'll respond to your request within 30 days and provide clear explanations of any actions taken. Some requests may require identity verification to protect your information.

We implement comprehensive security measures to protect your personal information from unauthorized access, disclosure, or misuse. Our security framework includes both technical and organizational safeguards:

While we implement robust security measures, no system is completely immune to threats. We maintain incident response procedures and will notify you promptly if any security breach affects your personal information.

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law. Our retention periods vary based on the type of information and legal requirements:

When information is no longer required, we securely delete or anonymize it according to established data destruction procedures. You can request early deletion of your information, subject to legal and regulatory requirements.

Your personal information is primarily stored and processed within Australia. However, some of our service providers may be located overseas, particularly for technology services and educational platform management.

When we transfer information internationally, we ensure adequate protection through:

• Selecting providers in countries with adequate privacy protection as recognized by Australian authorities
• Implementing contractual safeguards that require equivalent privacy protection
• Using providers certified under recognized international privacy frameworks
• Obtaining explicit consent for transfers where required

We maintain records of all international data transfers and can provide details upon request. You have the right to know which countries your data may be transferred to and the safeguards in place.

Our website uses cookies and similar technologies to enhance your experience and improve our services. We use different types of cookies for various purposes:

• Essential Cookies: Required for basic website functionality and security features
• Analytics Cookies: Help us understand how visitors use our website to improve user experience
• Preference Cookies: Remember your settings and preferences for future visits
• Marketing Cookies: Used to deliver relevant content and track the effectiveness of our educational resources

You can control cookie settings through your browser preferences, though disabling certain cookies may affect website functionality. We provide clear options for managing your cookie preferences on our website.

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 through:

• Email notifications to your registered address
• Prominent notices on our website
• Direct communication during consultations or program interactions

The "last updated" date at the top of this policy indicates when changes were last made. We encourage you to review this policy periodically to stay informed about how we protect your information.

Our services are designed for adults making financial decisions. We don't knowingly collect personal information from individuals under 18 years of age without parental consent. If you're under 18 and interested in our educational resources, please involve a parent or guardian in any interactions with novarelythiq.

If we discover we've collected information from a child without appropriate consent, we'll take immediate steps to delete that information from our systems.

If you're not satisfied with how we've handled your personal information or privacy concerns, you have several options for resolution:

Internal Complaint Process

Contact our Privacy Officer using the details above. We'll investigate your complaint thoroughly and provide a written response within 30 days, including any corrective actions we'll take.

External Resolution

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). Visit oaic.gov.au or call 1300 363 992 for information about the complaint process.

We take all privacy complaints seriously and use them as opportunities to improve our practices and better serve your needs.