Privacy Policy

Introduction to Our Privacy Practices

Information We Collect From You

janovaruthen collects personal information necessary to provide consultation services, respond to inquiries, and improve our offerings. We collect information directly from you when you voluntarily provide it and automatically through your use of our website. All information collected is handled in accordance with Australian privacy laws and this policy.

How We Use Your Information

Information collected is used to provide, improve, and personalize our consultation services while maintaining your privacy and security. We use data only for legitimate purposes directly related to our services and your relationship with janovaruthen.

• • Providing consultation services by analyzing your financial information, preparing personalized recommendations, and conducting consultation sessions tailored to your circumstances
• • Communicating with you regarding consultation scheduling, follow-up sessions, service updates, and responding to your inquiries or requests for information
• • Improving our services through analysis of usage patterns, client feedback, and consultation outcomes to refine our methodology and client experience
• • Maintaining records of consultations, agreements, and communications for quality assurance, legal compliance, and providing continuity across multiple consultation sessions
• • Processing payments securely when you purchase consultation services beyond complimentary offerings, including invoicing and payment confirmation communications
• • Sending occasional updates about our services, new offerings, or relevant financial planning information if you have opted into marketing communications, with easy opt-out options
• • Protecting against fraudulent activity, ensuring website security, complying with legal obligations, and enforcing our terms and policies to maintain service integrity

Information Sharing and Disclosure

janovaruthen does not sell, rent, or trade your personal information. We share information only in limited circumstances necessary to provide services, comply with legal obligations, or with your explicit consent. Third parties receiving information are bound by confidentiality obligations and data protection requirements.

Your Privacy Rights

Under Australian privacy law and regulations, you have specific rights regarding personal information we hold about you. janovaruthen respects these rights and provides mechanisms for you to exercise them. Contact us using information provided in this policy to exercise any of these rights.

• • Right to access personal information we hold about you and receive copy of that information in accessible format
• • Right to request correction of inaccurate, incomplete, or outdated personal information in our records
• • Right to request deletion of your personal information, subject to legal record-keeping requirements or legitimate business needs
• • Right to receive your personal information in structured, commonly used, machine-readable format for transfer to another service provider
• • Right to object to processing of your personal information for marketing purposes or on grounds relating to your situation
• • Right to request restriction of processing your personal information in certain circumstances where accuracy or legitimacy is contested

Data Security Measures

janovaruthen implements reasonable technical, administrative, and physical security measures to protect personal information from unauthorized access, disclosure, alteration, or destruction. While we strive to protect your information, no internet transmission or electronic storage method is completely secure, and we cannot guarantee absolute security.

How Long We Keep Information

janovaruthen retains personal information only as long as necessary to fulfill purposes described in this policy, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods vary based on information type, nature of our relationship, and legal requirements applicable to our business operations.

• • Contact and consultation records retained while you remain active client and for seven years thereafter for legal compliance
• • Financial planning discussions and consultation notes retained for duration of client relationship plus seven years for continuity and regulatory requirements
• • Email correspondence and communication records retained for three years following last interaction unless longer retention is legally required or requested
• • Payment and transaction records retained for seven years to comply with Australian taxation and financial record-keeping requirements
• • Marketing preferences and communication history retained until you opt out or request deletion of this information from our systems

When retention period expires, we securely delete or anonymize personal information unless continued retention is legally required or you have consented to longer retention for specific purposes. You may request earlier deletion subject to legal obligations.

International Data Transfers

janovaruthen primarily stores and processes personal information within Australia using Australian-based service providers. In limited circumstances, information may be transferred to or accessed by service providers in other countries with adequate data protection standards. When international transfers occur, we ensure appropriate safeguards are in place to protect your information.

• • Service providers in countries with data protection laws substantially similar to Australian Privacy Principles are selected carefully to ensure adequate protection
• • Contractual protections requiring service providers to maintain security and confidentiality equivalent to standards described in this policy are established
• • European Union Standard Contractual Clauses or similar approved mechanisms are implemented when transferring information to countries without adequacy determinations
• • Regular assessment of international service providers to ensure ongoing compliance with data protection obligations and security standards is conducted

Cookies and Tracking Technologies

janovaruthen website uses cookies and similar tracking technologies to enhance functionality, remember preferences, analyze usage, and improve user experience. Cookies are small text files stored on your device when you visit our website. You can control cookie settings through your browser, though disabling cookies may limit website functionality.

Most browsers allow you to refuse cookies or alert you when cookies are being sent. Consult your browser help documentation for cookie management instructions. For more information about our cookie practices, see our Cookie Policy.

Updates to Privacy Policy

janovaruthen may update this Privacy Policy periodically to reflect changes in our practices, services, legal requirements, or for other operational reasons. We will notify you of material changes through prominent notice on our website or direct communication to your registered email address.

• • Revised policy will be posted on our website with updated effective date clearly displayed at the top of this document
• • Material changes affecting how we collect, use, or share personal information will be communicated directly via email to active clients when practicable
• • Continued use of janovaruthen services after changes become effective constitutes acceptance of updated policy terms, so please review changes carefully
• • Previous policy versions may be requested by contacting us if you wish to review changes made over time to our privacy practices

We encourage you to review this Privacy Policy periodically to stay informed about how we protect personal information and your privacy rights. Your ongoing engagement with janovaruthen services indicates acceptance of current policy terms.