Information We Collect

At nililinainent, we collect information that helps us provide better financial guidance and budget management services to our clients across Australia. We're transparent about what we gather and why we need it.

How We Use Your Information

We use your personal information exclusively to provide financial consultation services and maintain our professional relationship. Here's specifically how we use what you share with us:

• Provide personalized budget surplus management advice tailored to your financial situation
• Schedule and conduct financial consultations via phone, email, or in-person meetings
• Send follow-up materials, resources, and ongoing support related to your financial planning
• Improve our services based on client feedback and consultation outcomes
• Comply with Australian financial services regulations and professional requirements
• Maintain accurate records for business continuity and professional accountability

Information Sharing and Disclosure

We maintain strict confidentiality standards typical of financial advisory services. We only share your information in specific, limited circumstances that support our professional relationship or meet legal requirements.

Professional Service Providers: We may share necessary information with trusted professionals like accountants, legal advisors, or technology service providers who help us deliver our services. These parties are bound by confidentiality agreements.

Legal Compliance: We may disclose information when required by Australian law, court orders, or regulatory authorities. This includes compliance with financial services legislation and professional licensing requirements.

Business Continuity: In the unlikely event of business restructuring or professional partnership changes, client information may be transferred to ensure continued service provision under the same confidentiality standards.

Data Security and Protection

We take the security of your financial information seriously and have implemented multiple layers of protection to safeguard your personal data.

• Encrypted email systems for all sensitive financial communications and document sharing
• Secure cloud storage with multi-factor authentication and regular security audits
• Limited access controls ensuring only authorized team members can view client information
• Regular data backups stored securely to prevent information loss while maintaining privacy
• Professional indemnity insurance covering data protection and confidentiality breaches
• Annual security reviews and updates to maintain current best practices in data protection

While we implement strong security measures, we also recommend that you protect your own information by using secure networks when communicating with us and keeping your personal login credentials confidential.

Your Privacy Rights

Under Australian Privacy Principles, you have specific rights regarding your personal information. We respect these rights and provide clear processes for exercising them.

• Access: Request copies of the personal information we hold about you, including consultation notes and correspondence
• Correction: Ask us to update or correct any inaccurate or incomplete personal information in our records
• Deletion: Request removal of your personal information, subject to our professional record-keeping obligations
• Restriction: Limit how we use your information while maintaining our ability to provide ongoing services
• Portability: Receive your personal information in a structured format for transfer to another service provider
• Complaint: Lodge concerns about our privacy practices with us directly or with the Office of the Australian Information Commissioner

To exercise any of these rights, simply contact us using the information provided below. We'll respond to your request within 30 days and work with you to address any concerns about how we handle your information.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and meet our professional obligations. Our retention practices balance your privacy rights with business and legal requirements.

Active Client Records: We maintain complete records during our professional relationship to ensure consistent, high-quality service and track your financial progress over time.

Consultation Archives: After our professional relationship ends, we retain key records for seven years as required by Australian business regulations and professional indemnity insurance requirements.

Marketing Communications: If you've subscribed to our newsletter or updates, we retain your contact preferences until you unsubscribe or request removal from our communications.

Automatic Deletion: We have systems in place to automatically review and delete information that has exceeded our retention requirements, ensuring we don't keep your data longer than necessary.

Cookies and Website Analytics

Our website uses cookies and similar technologies to improve your browsing experience and help us understand how visitors interact with our content. We use this information to make our website more useful and relevant.

Essential Cookies: These cookies are necessary for our website to function properly and cannot be disabled. They enable basic functions like page navigation and access to secure areas.

Analytics Cookies: We use Google Analytics to understand website usage patterns, popular content, and visitor demographics. This information is aggregated and anonymous.

Your Cookie Choices: You can control cookie settings through your browser preferences. Disabling certain cookies may limit some website functionality but won't prevent you from contacting us or accessing our services.

Third-Party Services

We work with carefully selected third-party services to provide you with the best possible experience. Each of these services has their own privacy policies, and we encourage you to review them.

Email Platform: We use professional email services for client communications. These providers are based in Australia and comply with local privacy laws.

Cloud Storage: Client documents and consultation notes are stored using secure, Australian-based cloud storage services with enterprise-level security features.

Scheduling Tools: Our appointment booking system may use third-party calendar integration to coordinate consultations efficiently while maintaining your privacy.

Updates to This Policy

We review and update this privacy policy regularly to ensure it reflects current practices and complies with evolving privacy regulations. We'll notify you of any significant changes that affect how we collect, use, or protect your information.

Notification Process: When we make important changes, we'll send an email to active clients and post an updated version on our website with a new effective date.

Your Continued Use: By continuing to use our services after policy updates, you accept the revised terms. If you have concerns about changes, please contact us to discuss how they might affect our professional relationship.