Privacy Policy
1. Introduction and Scope
At davoelilium, we understand that managing your financial information requires absolute trust. This privacy policy explains how we collect, use, protect, and share your personal information when you use our creative budgeting platform and educational resources.
This policy applies to all interactions with davoelilium services, including our website, mobile applications, educational programs, and customer support channels. We operate under Australian Privacy Principles (APPs) as outlined in the Privacy Act 1988 (Cth) and comply with the Australian Privacy Amendment Act 2022.
When we say "personal information," we mean any information that could reasonably identify you as an individual. This includes obvious things like your name and email address, but also extends to financial patterns, learning preferences, and usage behaviors within our platform.
2. Information We Collect
Categories of Personal Information
Account and Identity Information
When you create an account with us, we collect your name, email address, phone number, and postal address. For our educational programs, we also collect age ranges and educational background to tailor content appropriately.
Financial Information
Our budgeting tools require you to input financial data such as income ranges, expense categories, savings goals, and spending patterns. We never store actual bank account numbers or credit card details — instead, we work with anonymized spending categories and amounts.
Usage and Interaction Data
We automatically collect information about how you use our platform: which features you access most, how long you spend in different sections, and which educational resources you find most helpful. This helps us improve our services and personalize your experience.
Communication Records
When you contact our support team or participate in our educational programs, we keep records of these interactions to provide better assistance and track your learning progress.
Technical Information
Like most online services, we collect device information, IP addresses, browser types, and operating systems. This technical data helps us maintain security and ensure our platform works properly across different devices.
3. How We Use Your Information
Primary Uses
Your personal information helps us provide and improve our creative budgeting services. We use your data to generate personalized budget recommendations, track your financial goals, and suggest relevant educational content based on your learning patterns.
For our educational programs, we analyze engagement patterns to understand which teaching methods work best and adapt our curriculum accordingly. This means if you're struggling with certain concepts, we can offer additional resources or alternative explanations.
Communication and Support
We use your contact information to send important service updates, respond to your questions, and provide educational content you've requested. Our learning program participants receive progress updates and reminders about upcoming sessions.
Platform Improvement
Usage data helps us identify which features are most valuable to our users and where people might be getting stuck. This information guides our development priorities and helps us create more intuitive experiences.
Legal and Security Purposes
Sometimes we need to use personal information to comply with Australian financial services regulations, prevent fraud, or protect the security of our platform and users.
4. Information Sharing and Disclosure
We don't sell your personal information to anyone. Period. But there are specific circumstances where we may share your data with carefully selected third parties.
Service Providers
We work with trusted companies that help us operate our platform — think cloud hosting providers, email services, and analytics tools. These partners can only access the minimum information necessary to provide their services, and they're contractually bound to protect your data.
Educational Partners
For our structured learning programs, we occasionally partner with financial education specialists and guest instructors. We may share relevant learning progress information with these partners, but only with your explicit consent and only for educational purposes.
Legal Requirements
Australian law sometimes requires us to disclose personal information to government agencies or law enforcement. We'll only do this when legally required and will notify you unless prohibited by law.
Business Transfers
If davoelilium is ever acquired by another company or undergoes significant restructuring, your personal information may be transferred as part of that transaction. We'd notify you well in advance and ensure the new entity maintains the same privacy protections.
5. Your Rights and Choices
Access Your Information
You can request a complete copy of all personal information we hold about you. We'll provide this within 30 days, typically in a downloadable format that's easy to review.
Correction and Updates
Found an error in your information? You can update most details directly through your account settings, or contact us to correct any inaccuracies in our records.
Deletion Requests
You can request deletion of your personal information at any time. We'll remove your data within 30 days, though we may retain some information for legal compliance purposes.
Data Portability
Want to move your financial data to another service? We'll provide your information in a structured, machine-readable format that makes transfers easier.
Marketing Preferences
You control what communications you receive from us. Opt out of marketing emails while still receiving important service updates and educational content you've requested.
Restrict Processing
In certain circumstances, you can ask us to limit how we use your personal information while maintaining your account and core service access.
To exercise any of these rights, contact us using the information provided at the end of this policy. We'll verify your identity and respond promptly to all requests.
6. Data Security and Protection
Protecting your financial and personal information isn't just a legal requirement — it's fundamental to our business. We've implemented comprehensive security measures that go well beyond basic industry standards.
Encryption
All data transmission uses industry-standard SSL encryption. Your information is encrypted both in transit and when stored on our servers.
Access Controls
Only authorized team members can access personal information, and only for specific business purposes. All access is logged and regularly audited.
Regular Security Audits
We conduct quarterly security assessments and work with external security firms to identify and address potential vulnerabilities.
Secure Infrastructure
Our data is hosted in Australian data centers that meet strict security and compliance standards, with regular backups and disaster recovery procedures.
Despite our best efforts, no online service is completely immune to security incidents. If we ever experience a data breach that affects your personal information, we'll notify you within 72 hours and provide clear information about what happened and what steps we're taking to address it.
7. Data Retention and Deletion
We keep your personal information only as long as necessary to provide our services and meet legal requirements. Different types of information have different retention periods based on their purpose and regulatory requirements.
| Information Type | Retention Period | Reason |
|---|---|---|
| Account Information | Until account deletion + 7 years | Legal compliance and tax purposes |
| Financial Data | 3 years after last activity | Service provision and regulatory requirements |
| Usage Analytics | 2 years | Service improvement and development |
| Communication Records | 5 years | Customer support and dispute resolution |
| Marketing Preferences | Until updated or account deletion | Respecting communication preferences |
When retention periods expire, we securely delete your information using industry-standard data destruction methods. For financial records, we follow Australian Taxation Office requirements for record keeping.
8. International Data Transfers
davoelilium primarily operates within Australia, and we store most data in Australian data centers. However, some of our service providers operate internationally, which may involve transferring your personal information overseas.
When international transfers are necessary, we ensure adequate protection through:
- Selecting service providers in countries with adequate privacy protections recognized by Australian law
- Using standard contractual clauses that provide equivalent protection to Australian privacy laws
- Regular audits of international partners to ensure ongoing compliance
- Encryption of all data during transfer and storage
Currently, some of our data processing occurs in New Zealand, Canada, and select European Union countries — all jurisdictions with strong privacy frameworks compatible with Australian standards.
9. Children's Privacy
davoelilium's services are designed for adults managing their own finances. We don't knowingly collect personal information from anyone under 18 years of age without parental consent.
Our educational programs may include young adults (18-25) who are just starting their financial journey. For these participants, we provide additional privacy protections and ensure that parents or guardians can access information about their child's participation if requested.
If you're a parent and believe your child under 18 has provided personal information to us without your consent, please contact us immediately. We'll investigate and delete such information promptly.
10. Changes to This Policy
We update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll notify you through email and prominent notices on our platform.
Minor updates — like clarifications or administrative changes — will be posted here with an updated "Last Modified" date. We encourage you to review this policy regularly to stay informed about how we protect your information.
If changes significantly affect how we handle your personal information, we'll seek your consent before implementing those changes for existing users.
Privacy Questions or Concerns?
Email: privacy@davoelilium.com
Phone: +61 2 4979 3222
Mail: Privacy Officer, davoelilium, PO Box 356 Doncaster VIC 3108, Australia
We aim to respond to all privacy inquiries within 5 business days. For urgent matters, please call us directly.
11. Complaints Process
If you have concerns about how we've handled your personal information, we want to hear from you. Our complaints process is designed to resolve issues quickly and fairly.
Step 1: Contact Us Directly
Most privacy concerns can be resolved through direct communication with our privacy team. We'll acknowledge your complaint within 2 business days and provide a detailed response within 30 days.
Step 2: Internal Review
If you're not satisfied with our initial response, you can request an internal review by our Privacy Officer. This involves a fresh examination of your complaint by someone who wasn't involved in the original decision.
Step 3: External Options
You also have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). You can contact them at oaic.gov.au or by calling 1300 363 992.
We're committed to working constructively with regulatory authorities to resolve any privacy concerns and continuously improve our practices.