Who We Are

zerintavoqa operates from Orange, New South Wales, providing zero-based budgeting education and financial planning tools to individuals and families across Australia. We're governed by Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles.

When we say "we," "us," or "zerintavoqa," we mean the company operating from 6 Valerie Pl, Orange NSW 2800. When we say "you" or "your," we mean anyone who visits our website or uses our services.

Information We Collect

The information we gather falls into several categories, and we're upfront about what we need and why:

• Contact Information: Name, email address, phone number, and mailing address when you register for our learning programs or contact us directly
• Financial Learning Data: Budget categories you're working with, financial goals you've shared, and progress through our educational modules
• Technical Information: IP address, browser type, device information, and how you navigate through our website
• Communication Records: Emails, chat messages, or phone call notes when you reach out to our team
• Payment Information: Billing details for program fees, though actual credit card numbers are processed through secure third-party providers

How We Use Your Information

We use the information we collect for specific, legitimate purposes that directly relate to providing you with quality financial education:

• Delivering our zero-based budgeting education programs and providing personalized learning support
• Sending you program updates, educational resources, and important account information
• Improving our website functionality and educational content based on how people use our services
• Responding to your questions and providing customer support
• Processing payments and managing your program enrollment
• Meeting our legal obligations under Australian financial services regulations

Information Sharing and Disclosure

We share your information in limited circumstances, and always with your best interests in mind:

• Service Providers: Companies that help us deliver our services, like email platforms, payment processors, and website hosting services. These providers can only use your information for the specific services they provide to us
• Legal Requirements: When Australian law requires us to disclose information, or when we need to protect our legal rights or the safety of our users
• Business Transfers: If zerintavoqa is acquired or merged with another company, your information may transfer to the new owners, but they'll be bound by the same privacy protections
• With Your Consent: Any other sharing happens only when you specifically agree to it

Your Privacy Rights

Under Australian privacy law, you have significant control over your personal information. Here's what you can do:

Data Security Measures

We take protecting your information seriously and use multiple layers of security:

• SSL encryption for all data transmitted between your device and our servers
• Secure, Australian-based data centers with physical and digital access controls
• Regular security audits and vulnerability assessments of our systems
• Staff training on privacy and security best practices
• Limited access to personal information on a need-to-know basis
• Regular backups stored securely and tested for integrity

While we implement strong security measures, no system is completely foolproof. If we ever experience a data breach that affects your personal information, we'll notify you and the relevant Australian authorities as required by law.

Data Retention Periods

We keep your information only as long as necessary for legitimate business purposes or legal requirements:

Cookies and Website Tracking

Our website uses cookies and similar technologies to improve your experience and help us understand how people use our services. Here's what we use:

• Essential Cookies: Required for basic website functionality, like keeping you logged in and remembering your preferences
• Analytics Cookies: Help us understand which parts of our website are most useful and where people might be having difficulties
• Marketing Cookies: Allow us to show you relevant educational content and measure the effectiveness of our outreach efforts

You can control cookie settings through your browser, though disabling certain cookies might affect how well our website works for you. Most browsers allow you to see what cookies are stored and delete them individually or clear them all.

Third-Party Services

We work with carefully selected service providers to deliver our educational programs effectively. These include:

• Email service providers for sending program updates and educational content
• Payment processors for handling program fees securely
• Learning management system providers for delivering online educational content
• Analytics services to understand how people use our website and services

All third-party providers are required to meet Australian privacy standards and can only use your information for the specific services they provide to us. We don't allow them to use your information for their own purposes.

Changes to This Policy

We review and update this privacy policy regularly to ensure it reflects current practices and legal requirements. When we make significant changes, we'll notify you through:

• Email notification to all active program participants
• Prominent notice on our website homepage
• Updates to the "Last Updated" date at the top of this policy

Minor updates, like clarifying existing practices or updating contact information, may be made without specific notification, but we'll always update the revision date.

Children's Privacy

Our services are designed for adults who can make independent financial decisions. We don't knowingly collect personal information from anyone under 18 years of age. If a parent or guardian believes we've inadvertently collected information about their child, please contact us immediately and we'll delete it.