silvaroneth is committed to protecting your privacy and personal information. This privacy policy explains how we collect, use, store, and protect your personal data when you use our financial planning services, website, and educational resources. We operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles.

By using our services, you consent to the collection and use of your information as described in this policy. We encourage you to read this document carefully and contact us if you have any questions about how we handle your personal data.

We collect different types of information to provide you with personalized financial planning services and educational content. The information we gather falls into several categories:

We collect this information through various means including direct interactions, our website, mobile applications, third-party services, and public sources where legally permissible. All collection is done with your knowledge and consent, either explicit or implied through your use of our services.

Your information helps us deliver personalized financial planning services and educational content tailored to your specific needs and goals. We use your data for the following purposes:

• Providing financial planning consultations and developing personalized strategies
• Delivering educational content and resources relevant to your financial situation
• Communicating about our services, market insights, and educational opportunities
• Improving our website functionality and user experience
• Complying with legal obligations and regulatory requirements
• Analyzing trends to develop better financial planning tools and resources
• Protecting against fraud and ensuring the security of our services

We never sell your personal information to third parties for marketing purposes. Any sharing of information is done with your consent or as required by Australian law to provide our services effectively.

We maintain strict controls over how your information is shared. We may disclose your personal information in limited circumstances to ensure we can provide quality services and comply with legal obligations:

• Service providers who assist with technology, payment processing, and administrative functions
• Financial institutions and investment platforms when facilitating your financial planning strategies
• Legal and compliance advisors to ensure we meet regulatory requirements
• Government agencies when required by Australian law or court orders
• Professional advisors including accountants, lawyers, and auditors bound by confidentiality

All third parties we work with are contractually obligated to protect your information and use it only for the specific purposes we authorize. We conduct regular reviews of our partners to ensure they maintain appropriate security standards and data protection practices.

In the event of a business merger, acquisition, or sale, your information may be transferred to the new entity, but you will be notified in advance and your privacy rights will continue to be protected under the same standards outlined in this policy.

We implement comprehensive security measures to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction. Our security framework includes multiple layers of protection:

While we implement robust security measures, no system is completely immune to security breaches. In the unlikely event of a data breach that may affect your personal information, we will notify you and relevant authorities within 72 hours as required by Australian privacy laws.

To exercise any of these rights, contact our privacy officer using the details provided below. We will respond to your request within 30 days and may require verification of your identity to protect your information from unauthorized access.

Some requests may be subject to legal limitations. For example, we may need to retain certain financial records for compliance with taxation and financial services regulations, even if you request deletion of your data.

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve any disputes. Our data retention practices are guided by Australian legal requirements and industry best practices:

• Financial planning records: Retained for 7 years after the end of our service relationship as required by financial services regulations
• Marketing and communication preferences: Retained until you withdraw consent or request deletion
• Website usage data: Typically retained for 2 years for analytical and service improvement purposes
• Customer service records: Retained for 3 years to ensure continuity of service and resolve any issues
• Identity verification documents: Retained for 7 years as required by anti-money laundering legislation

All personal information is stored within Australia or in countries with adequate privacy protection as recognized by Australian privacy laws. We use Australian-based cloud services and data centers to ensure your information remains subject to Australian privacy protections.

When information reaches the end of its retention period, it is securely deleted or anonymized so it can no longer be used to identify you personally. Our deletion processes include overwriting data multiple times to ensure it cannot be recovered.

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized content. Cookies are small text files stored on your device that help us understand how you use our website and improve our services:

You can control cookie settings through your browser preferences, but disabling certain cookies may limit your ability to use some features of our website. We do not use cookies for targeted advertising or share cookie data with advertising networks.

Our website may contain links to third-party sites that have their own privacy policies and cookie practices. We encourage you to review their policies before providing any personal information on external websites.

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will notify you through email or prominent notices on our website at least 30 days before the changes take effect.

Minor administrative changes, such as contact information updates or clarifications that don't affect your rights, may be made without advance notice. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

Your continued use of our services after policy changes indicates your acceptance of the updated terms. If you disagree with changes, you may discontinue using our services or contact us to discuss your concerns.