Privacy Policy and Data Protection Information

Our Commitment to Your Privacy

At kouramicovio, we take your privacy seriously and are committed to protecting your personal information in accordance with Australian privacy laws.

This policy explains how we collect, use, store, and protect your personal information when you use our financial planning services.

Information We Collect About You

We collect various types of information to provide our financial planning services effectively and improve your experience.

• Contact details including name, email address, phone number, and postal address
• Financial information such as income, expenses, assets, and financial goals for planning purposes
• Technical information like IP address, browser type, and website usage patterns for service improvement
• Communication records including consultation notes and correspondence for service continuity

How We Use Your Personal Information

Your personal information is used exclusively to provide our financial planning services and maintain our professional relationship.

• Providing personalised financial planning consultations and ongoing support services
• Communicating about appointments, service updates, and relevant financial planning information
• Improving our services through analysis of aggregated, anonymised usage patterns
• Meeting legal and regulatory requirements for financial service providers

Legal Basis for Data Processing

We process your personal information based on specific legal grounds recognised under Australian privacy legislation.

Your consent allows us to provide personalised services, while legitimate interest covers essential business operations and regulatory compliance.

How We Share Your Information

We maintain strict controls over how your personal information is shared and only disclose it in specific circumstances.

• With your explicit consent for specific purposes like referrals to other professional services
• To regulatory authorities when required by law or for compliance with financial services regulations
• To trusted service providers who assist us in delivering our services under strict confidentiality agreements

Protecting Your Personal Information

We implement comprehensive security measures to protect your personal information from unauthorised access, loss, or misuse.

Our security protocols include encrypted data transmission, secure storage systems, access controls, and regular security audits.

Your Privacy Rights and Choices

You have several rights regarding your personal information that we're committed to respecting and facilitating.

• Access your personal information and receive details about how we process it
• Request correction of inaccurate or incomplete personal information we hold about you
• Request deletion of your personal information subject to legal and regulatory requirements
• Restrict processing of your personal information in certain circumstances
• Receive your personal information in a portable format for transfer to another service provider
• Object to processing of your personal information for direct marketing or other specific purposes

Cookies and Website Analytics

We use cookies and similar technologies to enhance your website experience and understand how our services are used.

Cookies help us remember your preferences, analyse website traffic, and provide personalised content during your visits.

You can control cookie settings through your browser or our cookie preference center available on our website.

How Long We Keep Your Information

We retain your personal information only for as long as necessary to provide our services and meet legal obligations.

Retention periods vary based on information type, regulatory requirements, and the ongoing nature of our professional relationship.

Children's Privacy Protection

Our financial planning services are designed for adults, and we do not knowingly collect personal information from individuals under 18.

18+ only

Updates to This Privacy Policy

We may update this privacy policy to reflect changes in our practices or applicable privacy laws and regulations.

We will notify you of material changes through website updates or direct communication methods.

Privacy Questions and Contact Information

If you have questions about this privacy policy or wish to exercise your privacy rights, please contact us using the information below.