Privacy Policy

Privacy Policy Overview

At xenaphivora, we respect your privacy and are committed to protecting your personal information. This policy explains how we collect, use, and safeguard your data when you use our financial planning subscription services, in accordance with Australian Privacy Principles and applicable international privacy laws.

Information We Collect

We collect information necessary to provide our financial planning services effectively

• Contact details including name, email address, phone number, and postal address
• Financial information such as income ranges, asset amounts, and financial goals
• Communication records including emails, consultation notes, and service interactions
• Technical data including IP address, browser type, and website usage analytics

How We Use Your Information

Your personal information is used solely to deliver our subscription services and improve your experience

• Provide personalised financial planning consultations and budgeting guidance
• Communicate about your subscription, send updates, and respond to inquiries
• Improve our services through analysis of user feedback and website performance
• Comply with legal obligations and maintain accurate business records

Legal Basis for Processing

Under Australian Privacy Principles and international privacy laws, we process your personal data based on the following legal grounds

Primary Legal Basis: We process your data on the basis of consent for marketing communications and legitimate interest for service delivery

Information Sharing and Disclosure

We do not sell your personal information. We may share data only in the following circumstances

• With trusted service providers who assist in delivering our services under strict confidentiality agreements
• When required by law, court order, or to protect our legal rights
• In connection with a business merger, acquisition, or sale (with prior notice to affected users)

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance website functionality and understand user behaviour. Cookies help us remember your preferences and improve your experience on subsequent visits.

For detailed information, please review our Cookie Policy Cookie Policy

Data Security Measures

We implement industry-standard security measures including SSL encryption, secure servers, access controls, and regular security assessments to protect your personal information from unauthorised access, disclosure, or misuse. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

Data Retention Policy

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Active subscription data is maintained during your membership and for up to 7 years after cancellation for business records and potential legal requirements. You may request earlier deletion subject to legal limitations.

Your Privacy Rights

Under Australian Privacy Principles and applicable international laws, you have the following rights

• Access your personal information and request a copy of data we hold about you
• Correct inaccurate or incomplete personal information
• Request deletion of your personal information in certain circumstances
• Withdraw consent for marketing communications at any time
• Lodge a complaint with the Australian Privacy Commissioner or relevant data protection authority

Children's Privacy Protection

Our services are intended for adults who can enter into legally binding contracts. We do not knowingly collect personal information from individuals under 18 years of age. If you believe we have inadvertently collected such information, please contact us immediately for removal.

18+ only

Privacy Policy Updates

We may update this privacy policy to reflect changes in our practices, services, or legal requirements. Material changes will be notified via email or prominent website notice at least 30 days before taking effect. Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

Contact Information

For privacy-related inquiries, concerns, or to exercise your rights, please contact us at