Information We Collect

The information we collect depends on how you interact with us. We only gather what's necessary to provide our services and improve your experience.

Personal Information You Provide

When you contact us, create an account, or subscribe to our investment analysis tools, you might share:

• Name and contact details (email address, phone number)
• Postal address (Suite F2 Level 1/72 Berry St, Nowra NSW 2541, Australia format)
• Investment preferences and financial goals
• Communication preferences and feedback

Information Collected Automatically

When you browse our site, we automatically gather technical information through cookies and similar technologies:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our site
• Referring website and search terms used

How We Use Your Information

We use your data to deliver better service and keep you informed. Specifically, we process your information to:

• Provide investment analysis tools and personalized strategies
  • Customize recommendations based on your goals
  • Send you market insights and updates
• Respond to inquiries and provide customer support
• Improve our website functionality and user experience
• Comply with legal obligations under Australian law
• Detect and prevent fraudulent activity or security threats

Data Sharing and Disclosure

We don't sell your personal information. However, we may share data with trusted partners in specific situations:

Service Providers

We work with third-party companies that help us operate our business, such as:

• Cloud hosting providers (data stored in Australia where possible)
• Email service platforms for newsletters and notifications
• Analytics tools to understand site usage patterns
• Payment processors for financial transactions

These providers can only use your data for the services they provide to us and must protect it according to our standards.

Legal Requirements

We may disclose your information if required by Australian law, court order, or government request. We'll also share data if necessary to protect our rights, prevent fraud, or ensure user safety.

Cookies and Tracking Technologies

Our website uses cookies—small text files stored on your device—to enhance functionality and analyze site performance. Here's what we use:

You can manage cookie preferences through your browser settings. Keep in mind that blocking certain cookies may affect site functionality.

Data Security and Protection

We take security seriously and implement multiple layers of protection to safeguard your information:

• SSL encryption for data transmitted between your browser and our servers
• Regular security audits and vulnerability assessments
• Access controls limiting who can view personal information
• Secure backup systems with encrypted storage
• Staff training on data protection and privacy practices

While we strive to protect your data, no internet transmission is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.

Data Retention

We keep your personal information only as long as necessary for the purposes outlined in this policy or as required by Australian law.

Retention Periods

• Account information: Retained while your account is active, plus 7 years after closure for financial record-keeping
• Contact inquiries: Kept for 3 years to maintain communication history
• Marketing data: Stored until you unsubscribe or request deletion
• Website analytics: Aggregated and anonymized after 26 months

After the retention period expires, we securely delete or anonymize your data. Some information may be retained in backup systems for a limited additional period.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do:

Access Your Data

You can request a copy of the personal information we hold about you. We'll provide this within 30 days of your request, free of charge in most cases.

Correct Inaccurate Information

If you notice any errors in your data, let us know and we'll update our records promptly. You can often make these changes directly through your account settings.

Request Deletion

You can ask us to delete your personal information, subject to certain legal exceptions. For example, we may need to retain some data for financial reporting or to comply with tax obligations.

Opt Out of Marketing

You can unsubscribe from promotional emails anytime by clicking the unsubscribe link or contacting us directly at contact@pezarilvo.com.

International Data Transfers

We primarily store and process data within Australia. However, some of our service providers may operate servers in other countries, including the United States or European Union.

When we transfer data internationally, we ensure appropriate safeguards are in place, such as:

• Standard contractual clauses approved by privacy regulators
• Adequacy decisions recognizing equivalent privacy protections
• Binding corporate rules for transfers within corporate groups

Children's Privacy

Our services aren't intended for individuals under 18 years of age. We don't knowingly collect personal information from children. If we discover that we've inadvertently gathered data from someone under 18, we'll delete it promptly.

Parents or guardians who believe their child has provided us with personal information should contact us immediately.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The effective date at the top of this policy shows when it was last revised. We encourage you to review this policy periodically to stay informed about how we protect your information.

Complaints and Dispute Resolution

If you have concerns about how we've handled your personal information, please contact us first. We'll investigate and respond to your complaint within 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Email: enquiries@oaic.gov.au