When you visit our website or use our financial planning services, we collect information that helps us provide better guidance. This includes basic details like your name, email address, and phone number when you contact us.

We also gather information about your financial goals and current situation during consultations. This helps us create personalized recommendations for your financial planning needs.

Website activity data gets collected automatically through cookies and similar technologies. This shows us which pages you visit and how you navigate our site, helping us improve your experience.

Under Australian privacy laws, we're required to tell you exactly why we're collecting this information:

• To provide financial planning consultations and ongoing advice
• To respond to your inquiries about our services
• To send you relevant updates about financial planning topics
• To improve our website and service delivery
• To comply with regulatory requirements in the financial services industry

We don't collect sensitive information like bank account details or investment passwords through our website. Any financial information shared happens during secure, confidential consultations only.

Australian privacy legislation gives you several important rights over your personal information. You can request access to any data we hold about you, ask us to correct errors, or request deletion of information that's no longer needed.

To access your information: Email us at info@mirinaveros.com with your request. We'll respond within 30 days and provide copies of the personal information we hold about you. There's no charge for this service under normal circumstances.

If you spot errors in your information, let us know and we'll fix them promptly. This is particularly important for financial planning, where accuracy matters for providing appropriate advice.

You can also withdraw consent for marketing communications at any time. Simply click the unsubscribe link in our emails or contact us directly. We'll remove you from our mailing list within 5 business days.

Data portability means you can request your information in a commonly used format if you want to transfer it elsewhere. We provide data in PDF or CSV formats depending on the type of information.

If you're not satisfied with how we've handled a privacy concern, you have the right to lodge a complaint with the Office of the Australian Information Commissioner. We'd prefer to resolve any issues directly though, so please contact us first.

Your personal information stays within Australia and is stored on secure servers with encryption both in transit and at rest. We use industry-standard security measures including firewalls, secure access controls, and regular security assessments.

For financial planning records, we follow Australian regulatory requirements and keep client information for seven years after your last consultation. This aligns with Australian Securities and Investments Commission guidelines for financial service providers.

Website data like cookies and browsing history gets automatically deleted after 24 months unless you maintain an active relationship with us. Email addresses from inquiries are kept for three years to help us recognize returning clients.

We backup all data regularly to prevent loss, but these backups maintain the same security standards as our primary systems. Backup data follows the same retention schedules as original information.

When information reaches its retention limit, we securely delete it from all our systems including backups. For paper records, we use certified destruction services to ensure complete disposal.

In the unlikely event of a data security incident, we'll notify affected individuals within 72 hours as required by Australian privacy laws. We'll also report serious breaches to the privacy commissioner and work with authorities to address any issues.

We don't sell your personal information to anyone. That's a firm commitment. However, we do share information in specific circumstances that help us serve you better or meet legal requirements.

Service providers who help us operate our website and deliver services sometimes need access to your information. This includes our web hosting company, email service provider, and client management software. All these providers operate under strict confidentiality agreements.

Professional obligations sometimes require sharing information with regulatory bodies like ASIC or the Australian Financial Complaints Authority when investigating complaints or compliance matters.

We might recommend other professionals like accountants, solicitors, or insurance specialists during financial planning. If you agree, we can share relevant information to coordinate your financial strategy. This only happens with your explicit consent.

Our website uses Google Analytics to understand visitor behavior. This involves sharing anonymized usage data with Google, but it doesn't include personally identifiable information. You can opt out using browser settings or privacy extensions.

For webinars and educational content, we use platforms like Zoom or similar services. When you register for these events, your registration details are shared with these platforms under their privacy policies. We choose providers with strong privacy protections.

Our website uses cookies to improve your browsing experience and help us understand how people use our site. Most cookies are harmless and help with basic functionality like remembering your preferences.

Essential cookies make our website work properly. These handle things like security, load balancing, and basic site functionality. We can't provide our online services without these cookies.

Analytics cookies help us understand which content is most useful and where people might be having trouble with our site. This information is aggregated and doesn't identify individual visitors.

You can control cookie settings through your browser preferences. Most browsers let you block all cookies, but this might affect website functionality. You can also delete existing cookies anytime through browser settings.

We don't use tracking cookies for advertising purposes since we're not an e-commerce site. Our focus is providing educational content and connecting with potential clients, not tracking people across the internet.

Some embedded content like videos or maps might set their own cookies. These come from the original content providers (YouTube, Google Maps, etc.) and follow their privacy policies rather than ours.

Privacy laws and technology change over time, so we review and update this policy annually. Any significant changes get communicated to existing clients via email at least 30 days before they take effect.

Minor updates like clarifying existing practices or fixing typos happen without notification. Major changes that affect how we collect, use, or share information will always be communicated clearly.

We maintain previous versions of this policy for reference. If you need to see what was in place at a specific time, contact us and we can provide historical versions.

Changes in Australian privacy legislation might require policy updates outside our normal review cycle. When this happens, we prioritize compliance and will update our practices as needed to meet new requirements.

The current version of this policy is always available on our website. We include the effective date at the bottom so you can see when it was last updated. Check back periodically if you want to stay informed about any changes.