Privacy Policy
Who We Are and What This Policy Covers
ymiralovexi ("we," "us," or "our") operates from 21 Wiseman Rd, Castle Hill NSW 2154, Australia. We're committed to helping Australians build healthier financial habits through education and practical guidance.
This privacy policy explains how we collect, use, store, and protect your personal information when you use our website at ymiralovexi.com or engage with our financial education services. We follow Australian Privacy Principles under the Privacy Act 1988 (Cth).
Information We Collect
The type of information we gather depends on how you interact with our services. Here's what we typically collect:
Personal Details
Name, email address, phone number, and postal address when you register for our programs or contact us directly.
Financial Information
General financial goals and challenges you share during consultations — we don't collect specific account details or sensitive financial data.
Website Usage
Pages you visit, time spent on our site, device information, and IP addresses through cookies and similar technologies.
Communication Records
Messages you send us, feedback forms, and records of phone calls or meetings when you've given consent.
How We Use Your Information
We use the information we collect for legitimate business purposes that directly relate to providing you with financial education services:
- Delivering educational content and resources tailored to your financial learning goals
- Scheduling and conducting webinars, consultations, and learning program sessions
- Sending you updates about new courses, resources, and relevant financial education opportunities
- Improving our website functionality and user experience based on usage patterns
- Responding to your questions and providing customer support
- Meeting our legal obligations under Australian financial services and privacy laws
- Analyzing trends to develop better educational content and services
Information Sharing and Third Parties
We don't sell or rent your personal information to anyone. However, we may share your information in these specific circumstances:
Service Providers
We work with trusted Australian and international service providers who help us operate our business, including email platforms, website hosting, and payment processors. These providers can only use your information for the specific services they provide to us.
Legal Requirements
We may disclose information if required by Australian law, court orders, or to protect our legal rights and the safety of our users.
Business Changes
If ymiralovexi undergoes a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to the same privacy protections.
Your Rights and Choices
Under Australian Privacy Law, You Have the Right To:
- Access the personal information we hold about you
- Request corrections to inaccurate or outdated information
- Ask us to delete your personal information in certain circumstances
- Opt out of marketing communications at any time
- Request information about how we've shared your data
- Lodge a complaint with the Office of the Australian Information Commissioner
How to Exercise Your Rights
To access, correct, or delete your information, send us an email at info@ymiralovexi.com with "Privacy Request" in the subject line. Include your full name and specify what you'd like us to do. We'll respond within 30 days and may need to verify your identity before processing certain requests.
You can unsubscribe from our marketing emails by clicking the unsubscribe link in any email or contacting us directly.
Data Security and Protection
We take protecting your information seriously and use multiple layers of security:
- SSL encryption for all data transmitted through our website
- Secure servers located in Australia and other countries with strong data protection laws
- Regular security audits and updates to our systems
- Limited access to personal information on a need-to-know basis
- Staff training on privacy and security best practices
- Secure backup procedures and disaster recovery plans
While we implement strong security measures, no online system is 100% secure. We encourage you to use strong passwords and be cautious about sharing personal information online.
Data Retention and Deletion
We keep your personal information only as long as necessary for the purposes we collected it:
- Active user accounts: Until you request deletion or become inactive for 3 years
- Marketing communications: Until you unsubscribe or we determine the information is no longer needed
- Financial records: 7 years as required by Australian tax and business laws
- Website analytics: 2 years for trend analysis and service improvement
- Communication records: 2 years or until resolved, whichever is longer
When we delete information, we remove it from our active systems and ensure our service providers do the same. Some information may remain in backup systems for a limited time before being permanently destroyed.
International Data Transfers
Some of our service providers operate outside Australia, including in the United States and European Union. When we transfer your information internationally, we ensure adequate protection through:
- Contracts requiring overseas recipients to protect your information to Australian standards
- Choosing providers in countries with adequate privacy protections
- Using secure transfer mechanisms like encryption
- Regular monitoring of international data handling practices
Cookies and Website Technologies
Our website uses cookies and similar technologies to improve your experience and understand how our site is used. You can control cookies through your browser settings, though disabling them may affect some website functionality.
We use both essential cookies (required for the site to work) and optional cookies (for analytics and improvements). You'll see a cookie notice when you first visit our site where you can choose your preferences.
Changes to This Policy
We review and update this privacy policy regularly to reflect changes in our services, technology, and legal requirements. When we make significant changes, we'll notify you by email or through a notice on our website.
Minor updates, like clarifying existing practices, may be made without specific notification. We encourage you to review this policy periodically to stay informed about how we protect your information.
Children's Privacy
Our services are designed for adults managing their financial education. We don't knowingly collect personal information from children under 13. If you believe we've accidentally collected information from a child, please contact us immediately and we'll delete it promptly.
Privacy Questions or Concerns?
If you have questions about this privacy policy or how we handle your information, we're here to help.
Email: info@ymiralovexi.com
Phone: +61 439 481 959
Mail: 21 Wiseman Rd, Castle Hill NSW 2154, Australia
You can also lodge a complaint with the Office of the Australian Information Commissioner at oaic.gov.au if you're not satisfied with our response.