At silvaronique, we understand that managing financial stress means trusting us with sensitive information. We're transparent about what we collect and why we need it.

Every piece of information we collect serves a specific purpose in helping you manage financial stress more effectively:

• Customising our financial stress management resources to match your specific situation and goals
• Sending you relevant tips, program updates, and educational materials about financial wellbeing
• Tracking your progress through our learning modules to provide appropriate support and encouragement
• Improving our website functionality and developing new resources based on what works best for our participants
• Responding to your questions and providing personalised guidance when you need help
• Complying with Australian financial services regulations and maintaining proper records

We work with a small number of trusted partners to deliver our services effectively. Here's exactly who has access to your information and why:

• Cloud Storage Providers: We use Australian-based cloud services to store your account information and progress data securely
• Email Service Providers: To send you program updates and educational materials, we use reputable email platforms with strong privacy protections
• Payment Processors: When you enroll in paid programs, secure payment platforms handle your transaction data following PCI compliance standards
• Analytics Services: We use privacy-focused tools to understand how people use our website, but this data is anonymised and aggregated

All our partners are required to maintain the same privacy standards we do. They can't use your information for their own purposes or share it with anyone else.

The Australian Privacy Principles give you significant control over your personal information. Here's what you can do:

To exercise any of these rights, simply email us at help@silvaronique.com with your request. We'll respond within 30 days and never charge fees for reasonable requests.

Protecting your information isn't just a legal requirement—it's fundamental to the trust you place in us when sharing your financial stress concerns.

• All data transmissions use industry-standard SSL encryption to prevent interception
• Our databases are protected with multi-factor authentication and regular security audits
• Staff access to personal information is limited based on job requirements and monitored through activity logs
• We conduct quarterly security reviews and immediately patch any identified vulnerabilities
• Our Australian data centres meet ISO 27001 security standards with physical access controls
• Regular automated backups ensure your information is protected against data loss

While we implement comprehensive security measures, no system is completely immune to all risks. We continuously monitor for threats and will notify you promptly if any security incident affects your personal information.

We don't keep your information indefinitely. Here's how long we retain different types of data:

• Account Information: Maintained while your account is active, plus 7 years after closure for regulatory compliance
• Program Progress Data: Kept for 3 years after program completion to support ongoing success and potential follow-up resources
• Communication Records: Email and chat logs retained for 5 years to maintain service quality and handle any disputes
• Website Analytics: Anonymous usage data aggregated monthly and individual session data deleted after 26 months
• Financial Assessment Data: Deleted immediately after providing personalised recommendations unless you specifically request we keep it

When retention periods expire, we permanently delete your information from all systems, including backups. You can request early deletion at any time, though some data may need to be retained for legal compliance.

We primarily store and process your information within Australia. However, some of our trusted service providers operate servers in other countries with strong privacy protections:

• Email services may route through servers in New Zealand or Singapore for reliability
• Cloud backup systems include facilities in Canada with equivalent privacy standards
• Payment processing involves secure systems in the United States under Privacy Shield frameworks

Any international transfers comply with Australian Privacy Principles and include contractual protections ensuring your information receives the same level of protection as required in Australia.

We review and update this privacy policy annually or when significant changes occur to our services or privacy practices. When updates happen:

• We'll email all active users about material changes at least 30 days before they take effect
• The updated policy will be posted on our website with a clear revision date
• Significant changes will include a summary of what's new and why we made the changes
• You'll have the opportunity to review the changes and contact us with any concerns before they become effective

Continuing to use our services after policy updates indicates your acceptance of the revised terms. If you disagree with changes, you can close your account and request data deletion at any time.