Privacy Policy

Introduction

saphorivalent operates as a comprehensive financial stress management platform, helping individuals across Australia develop healthier relationships with money and financial planning. This privacy policy explains how we collect, use, store, and protect your personal information when you interact with our services through saphorivalent.com and related platforms.

We're committed to transparency about our data practices. This document outlines your rights under Australian privacy legislation, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). When you use our services, you're trusting us with your personal information — and we take that responsibility seriously.

Information We Collect

We collect different types of information to provide and improve our financial stress management services. The information we gather helps us understand your learning preferences, track your progress, and customize your experience with our educational content.

• Account information including your chosen username and encrypted password
• Financial wellness assessment responses and progress tracking data
• Communication preferences and subscription settings
• Device information, IP addresses, and browser details for security purposes
• Usage patterns and interaction data with our educational resources
• Payment information when you enroll in premium programs (processed securely through third-party providers)

We also collect information automatically through cookies and similar tracking technologies. This includes your browsing behavior on our site, time spent on different sections, and which resources you find most helpful for your financial wellness journey.

How We Use Your Information

Your personal information serves several important purposes in delivering our financial stress management services. We use this data to create personalized learning experiences, track your progress through our programs, and provide ongoing support for your financial wellness goals.

• Providing access to educational content and progress tracking tools
• Sending relevant updates about new resources and program developments
• Customizing content recommendations based on your learning preferences
• Processing enrollments and managing your account access
• Analyzing usage patterns to improve our educational resources
• Responding to your questions and providing customer support
• Ensuring platform security and preventing unauthorized access

We may also use aggregated, non-identifiable data to understand broader trends in financial stress and wellness. This research helps us develop better resources for all users while protecting individual privacy.

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we do share information in specific circumstances that support our service delivery and legal obligations under Australian law.

We may disclose your information when required by Australian law, court orders, or regulatory authorities. In cases involving potential fraud or security threats, we might share relevant information with appropriate authorities to protect our users and platform integrity.

If saphorivalent undergoes a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We'll notify you of any ownership changes and provide options for managing your data under new arrangements.

Data Security and Protection

Protecting your personal information is fundamental to our operations. We implement multiple layers of security measures designed to safeguard your data against unauthorized access, alteration, or disclosure.

• Industry-standard encryption for data transmission and storage
• Regular security audits and vulnerability assessments
• Access controls limiting staff access to personal information
• Secure backup systems with multiple recovery options
• Monitoring systems that detect and respond to potential security incidents
• Regular staff training on privacy protection and data handling procedures

While we maintain robust security measures, no online platform can guarantee complete security. We encourage you to use strong passwords and keep your login credentials confidential. If you notice any suspicious activity on your account, please contact us immediately.

Your Rights and Choices

Under Australian privacy law, you have several important rights regarding your personal information. We're committed to helping you exercise these rights and maintain control over your data.

• Access: You can request copies of the personal information we hold about you
• Correction: You can ask us to correct inaccurate or incomplete information
• Deletion: You can request deletion of your personal information in certain circumstances
• Portability: You can request your data in a commonly used format for transfer to other services
• Communication preferences: You can opt out of marketing emails while maintaining account functionality
• Restriction: You can ask us to limit how we process your information

If you're not satisfied with how we handle your privacy concerns, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). We encourage you to contact us first so we can work together to resolve any issues.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by Australian law. Different types of information have different retention periods based on their purpose and legal requirements.

Account information and learning progress data are typically retained while your account remains active and for up to seven years after account closure to comply with financial record-keeping requirements. Communication records and support interactions are generally kept for three years to help us improve our services.

When we delete your information, we use secure deletion methods that make data unrecoverable. Some information may remain in backup systems for up to 90 days before permanent deletion occurs across all our systems.

International Data Transfers

While saphorivalent operates primarily within Australia, some of our service providers may store or process data in other countries. When we transfer personal information outside Australia, we ensure appropriate safeguards are in place to protect your privacy rights.

We only work with overseas providers who demonstrate adequate privacy protections equivalent to Australian standards. This includes using standard contractual clauses, adequacy decisions, or other approved transfer mechanisms recognized under Australian privacy law.

Children's Privacy

Our services are designed for adults dealing with financial stress and are not intended for children under 18. We don't knowingly collect personal information from minors. If we discover that we've inadvertently collected information from someone under 18, we'll delete that information promptly.

Parents or guardians who believe their child has provided personal information to us should contact us immediately. We'll work quickly to remove any such information from our systems.

Policy Updates

We review and update this privacy policy regularly to reflect changes in our services, legal requirements, or privacy practices. When we make significant changes, we'll notify you through email or prominent notices on our platform.

Minor updates that don't materially affect your rights may be posted without additional notification. We encourage you to review this policy periodically to stay informed about how we protect your information. The effective date at the top of this policy indicates when the most recent changes were made.