Privacy Policy

baronexilva ("we," "our," or "us") operates as a financial stress management service provider in Australia. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you interact with our services, website, or educational programs.

We're committed to protecting your privacy and handling your personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and applicable Australian privacy legislation.

This policy applies to all personal information we collect about individuals, including clients, potential clients, website visitors, and program participants.

We collect various types of personal information depending on how you interact with our services:

• Contact details including name, email address, phone number, and postal address
• Financial information relevant to stress management assessment and program customisation
• Employment details and professional background when relevant to our services
• Educational background and professional qualifications for program matching
• Personal circumstances affecting financial stress levels and management needs
• Communication preferences and accessibility requirements
• Feedback, testimonials, and program evaluation responses

We also collect technical information automatically when you visit our website, including IP address, browser type, device information, and website usage patterns through analytics tools.

We use your personal information for specific, legitimate purposes related to our financial stress management services:

We don't use your information for automated decision-making that significantly affects you without human involvement. Our stress management assessments involve personal consultation and professional judgment.

We maintain strict controls over information sharing and only disclose your personal information in specific circumstances:

Service Providers: We work with carefully selected service providers who assist with program delivery, website maintenance, and administrative functions. These providers are bound by confidentiality agreements and can only use your information as directed by us.

Professional Partners: With your explicit consent, we may share relevant information with financial counsellors, mental health professionals, or educational institutions when this supports your stress management goals.

Legal Requirements: We may disclose information when required by Australian law, court orders, or to protect against fraud, security threats, or harm to individuals.

All third-party relationships are governed by written agreements that require appropriate privacy protections and limit information use to specified purposes.

Under Australian privacy law, you have several important rights regarding your personal information:

• Access: Request copies of personal information we hold about you
• Correction: Request corrections to inaccurate or outdated information
• Deletion: Request deletion of your information in certain circumstances
• Restriction: Request limitations on how we use your information
• Portability: Request transfer of your information to another service provider
• Objection: Object to certain uses of your information
• Complaint: Lodge complaints about our privacy practices

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

We implement comprehensive security measures to protect your personal information from unauthorised access, disclosure, alteration, or destruction:

Technical Safeguards: Our systems use encryption, secure servers, firewalls, and regular security updates. Website connections are secured with SSL certificates, and sensitive data is encrypted both in transit and at rest.

Administrative Controls: Staff receive privacy training and sign confidentiality agreements. Access to personal information is restricted based on job requirements and monitored through audit logs.

Physical Security: Our offices implement access controls, secure document storage, and proper disposal procedures for physical records containing personal information.

We regularly review and update our security practices to address emerging threats and maintain appropriate protection levels for the sensitivity of information we handle.

While we implement strong security measures, no system is completely secure. We promptly investigate any suspected security incidents and notify affected individuals and regulators as required by law.

We retain your personal information only as long as necessary for the purposes for which it was collected or as required by Australian law:

When information reaches its retention limit, we securely delete it using industry-standard methods that prevent recovery. For electronic records, this includes multi-pass deletion and certificate verification.

You can request earlier deletion of your information, though we may need to retain some records to meet legal obligations or resolve disputes.

We primarily store and process your information within Australia. However, some of our service providers may process information internationally:

Cloud Services: Our website hosting and data backup services may store information on servers located in countries with adequate privacy protections, including New Zealand and member countries of the European Economic Area.

Third-Party Tools: Some analytical and communication tools we use may transfer information to their international operations. We only work with providers who maintain appropriate privacy safeguards.

Before transferring information internationally, we assess the privacy laws and practices of destination countries and implement additional safeguards where necessary.

Our website uses cookies and similar technologies to enhance your experience and understand how our services are used:

Essential Cookies: Required for basic website functionality, including security features and accessibility preferences. These can't be disabled without affecting site operation.

Analytics Cookies: Help us understand visitor behaviour and improve our website. These provide anonymised information about page views, session duration, and popular content.

Functional Cookies: Remember your preferences and provide personalised features. These improve your experience but aren't essential for basic functionality.

You can control cookies through your browser settings, though disabling certain cookies may limit website functionality. Most browsers allow you to view, delete, and block cookies from specific sites.

We don't use cookies for behavioural advertising or share cookie information with advertising networks.

Our financial stress management services are designed for adults and we don't knowingly collect personal information from children under 18 years of age without appropriate parental or guardian consent.

If we discover we've inadvertently collected information from a child without proper consent, we'll delete it promptly and notify parents or guardians as appropriate.

Parents and guardians can contact us to review, modify, or delete any information we may have collected about their children.

We review and update this Privacy Policy regularly to reflect changes in our practices, technology, and applicable laws. Significant changes will be communicated through:

• Email notifications to active clients and program participants
• Prominent website notices for at least 30 days
• Direct communication for changes affecting how we use your existing information

The "Effective Date" at the top of this policy indicates when the current version took effect. We encourage you to review this policy periodically, especially before sharing new information with us.

Continued use of our services after policy changes constitutes acceptance of the updated terms, unless the changes require explicit consent under applicable privacy laws.