Privacy Policy

Information We Collect

Information You Provide Directly

When you engage with philoventri's services, you might share information with us voluntarily. This happens when you fill out contact forms, schedule consultations, sign up for our budgeting workshops, or create an account on our platform.

• Contact details including your name, email address, phone number, and mailing address
• Financial information necessary for budgeting analysis—income ranges, spending categories, savings goals
• Payment information when you purchase services or educational materials
• Communication preferences and feedback you provide about our services
• Workshop registration details including dietary requirements for catered events

Information Collected Automatically

Like most websites, we gather certain technical information automatically when you visit philoventri.com. This helps us understand how people use our site and where we can improve the experience.

• Device information—your IP address, browser type, operating system, and device identifiers
• Usage data showing which pages you visit, how long you stay, and what features you interact with
• Location data derived from your IP address to provide region-specific budgeting resources
• Cookies and similar tracking technologies that remember your preferences

How We Use Your Information

Your data serves specific purposes that directly relate to providing and improving our creative budgeting services. We don't use your information for unrelated purposes without getting your explicit consent first.

Marketing Communications

We'll send you newsletters, workshop invitations, and budgeting tips if you've opted in to receive them. Every email includes a clear unsubscribe option. It takes about 48 hours for unsubscribe requests to process completely.

We don't sell your email address to third parties or spam you with unrelated offers. Our communications focus on genuinely useful budgeting strategies and philoventri service updates.

Data Sharing and Disclosure

philoventri doesn't sell your personal information. Period. We do share data with specific service providers who help us run our business, but only under strict confidentiality agreements.

Service Providers We Work With

• Payment processors: Australian-based financial institutions that handle transaction processing securely
• Cloud hosting providers: Companies that store our data on secure servers located in Australia
• Email service providers: Platforms that help us send newsletters and service updates
• Analytics tools: Services that help us understand website usage patterns
• Accounting software: Tools for managing invoices and financial records as required by Australian tax law

These providers can only use your information to perform services on our behalf. They can't use it for their own purposes or share it with others.

Legal Requirements

Sometimes we're legally required to share information—for example, if we receive a valid court order or need to comply with Australian taxation authorities. We'll always verify the legitimacy of such requests before disclosing any data.

Your Privacy Rights Under Australian Law

The Australian Privacy Principles give you specific rights regarding your personal information. You can exercise these rights by contacting us through the channels listed at the bottom of this policy.

How to Exercise Your Rights

Send your request to support@philoventri.com with "Privacy Rights Request" in the subject line. Include your full name and the email address associated with your philoventri account. We'll verify your identity before processing the request—usually by sending a confirmation email to your registered address.

Most requests get handled within 30 days. Complex requests might take up to 60 days, and we'll let you know if that's the case. There's no fee for making privacy requests unless they're clearly excessive or repetitive.

Data Security Measures

Protecting your financial information isn't something we take lightly. philoventri employs multiple layers of security to prevent unauthorized access, disclosure, or loss of your personal data.

Technical Safeguards

• 256-bit SSL encryption for all data transmitted between your browser and our servers
• Encrypted storage for sensitive financial information using industry-standard AES encryption
• Regular security audits and vulnerability assessments conducted by third-party experts
• Firewalls and intrusion detection systems monitoring our network constantly
• Secure backup systems with encrypted off-site storage in Australian data centers

Organizational Safeguards

Our team receives regular training on data protection and privacy practices. Access to personal information is strictly limited to employees who need it to perform their job duties. We use role-based access controls and audit logs to track who accesses what data and when.

All philoventri team members sign confidentiality agreements. Third-party service providers must meet our security standards before we'll work with them.

Data Retention and Deletion

We don't keep your information longer than necessary. Retention periods vary depending on the type of data and why we collected it.

Standard Retention Periods

• Financial transaction records: Seven years (required by Australian taxation law)
• Client consultation notes: Three years after your last service interaction
• Marketing consent records: Until you withdraw consent, then deleted within 90 days
• Website analytics data: Anonymized after 26 months
• Support correspondence: Two years from the date of your last message
• Account information: 30 days after account closure, except where legal retention applies

When retention periods expire, we securely delete or anonymize your data. Deletion methods vary by data type but include secure wiping of digital storage and shredding of physical documents.

Requesting Early Deletion

You can request deletion of your data before standard retention periods expire. We'll honor these requests except where we're legally required to keep certain records—mainly financial transaction data for tax purposes.

International Data Transfers

philoventri primarily stores and processes data within Australia using Australian-based service providers. In some cases, data might be transferred internationally—for example, if you access our services while traveling overseas or if we use a cloud service with global infrastructure.

When international transfers occur, we ensure the receiving country has adequate privacy protections or we implement additional safeguards like standard contractual clauses. Currently, our main international data flows involve:

• Email service providers with servers in both Australia and the United States
• Analytics tools that process data in accordance with Australian privacy standards
• Customer support systems that may route queries through international networks

We don't transfer data to countries with inadequate privacy protections. All international transfers comply with Australian Privacy Principle 8.

Children's Privacy

philoventri's services target adults managing their own finances or household budgets. We don't knowingly collect personal information from anyone under 18 without parental consent.

Our budgeting workshops occasionally include family-focused content where parents bring teenagers to learn financial skills together. In these cases, we collect information about the minor only with explicit parental consent and only for the specific purpose of workshop participation.

If we discover we've inadvertently collected information from someone under 18 without proper consent, we delete that information within 14 days. Parents can contact us to review, modify, or delete information about their children.

Changes to This Policy

Privacy laws and business practices evolve. We review this policy annually and update it when necessary to reflect changes in how we handle data or in response to new legal requirements.

When we make significant changes—like introducing new data collection practices or changing how we share information—we'll notify you by email if you have an account with us. We'll also post a notice on our homepage for 30 days.

The "Last Updated" date at the top of this policy shows when we last made changes. Previous versions are available upon request if you want to see what changed over time.

Continuing to use philoventri's services after policy updates means you accept the revised terms. If you disagree with changes, you can close your account or stop using our services.