Privacy Policy
Last Updated: February 2025
At lymvarentozi, we're straight with you about how we handle your information. This isn't one of those policies written by lawyers for lawyers. We've tried to make it actually readable because your privacy matters, and you deserve to know what happens with your data when you work with us.
Who We Are
lymvarentozi operates from Shop/5 Steam Mill La, Haymarket NSW 2000, Australia. We help people get better at managing their money through education and practical tools. When you use our services, you trust us with information about yourself — and we don't take that lightly.
Under Australian privacy laws, we're classified as an APP entity, which means we follow the Australian Privacy Principles. These aren't just guidelines for us. They're the foundation of how we operate.
Information We Collect
Let's be clear about what we gather and why. We don't collect data just because we can. Everything we ask for serves a purpose.
Contact Details
Your name, email, phone number, and mailing address. We need these to communicate with you about programs and send materials when needed.
Account Information
Username, password (encrypted), and security questions. Basic stuff to keep your account secure and accessible only to you.
Financial Background
General information about your experience level with budgeting and financial planning. This helps us recommend appropriate learning paths.
Usage Data
How you interact with our platform — which lessons you complete, time spent on different sections, and progress through programs.
Technical Information
IP address, browser type, device information, and cookies. Standard web stuff that helps us keep the site running smoothly.
Communication Records
Emails, support tickets, and feedback you send us. We keep these to provide better service and improve our programs.
How We Collect This Information
Most of what we collect comes directly from you when you sign up, update your profile, or contact us. Some information we gather automatically through cookies and analytics tools when you use our website. And occasionally, if you come to us through a referral partner, they might share basic contact information with your permission.
Why We Need Your Information
Here's what we actually do with your data:
- Deliver the educational programs you've signed up for
- Send you relevant updates about your learning progress
- Answer your questions and provide support when you need it
- Improve our content based on what works and what doesn't
- Keep your account secure and detect any unusual activity
- Meet our legal obligations under Australian financial education regulations
- Occasionally tell you about new programs that match your interests (you can opt out anytime)
We rely on several legal bases for processing your information. When you sign up for our services, that's a contract between us. Some processing is necessary to meet legal requirements. And in cases where we send you updates about new programs, we're relying on legitimate interest — though you always have the right to say no.
Sharing Your Information
We're not in the business of selling your data. Never have been, never will be. But we do work with certain partners who help us run our services.
| Who We Share With | What They Get | Why We Share |
|---|---|---|
| Cloud Service Providers | Account and usage data | Host our platform and store information securely |
| Email Service Providers | Contact details and preferences | Send you program updates and learning materials |
| Payment Processors | Billing information | Handle transactions securely (we don't store card details) |
| Analytics Services | Anonymised usage patterns | Understand how people use our platform |
| Government Authorities | Only what's legally required | Comply with Australian legal obligations when necessary |
All these partners are bound by strict confidentiality agreements. They can only use your information for the specific purposes we've outlined, and they have to protect it as carefully as we do.
Your Rights Under Australian Law
The Australian Privacy Principles give you real control over your information. Here's what you can do:
- Access Your Information: Request a copy of everything we hold about you. We'll provide it within 30 days.
- Correct Inaccuracies: If something's wrong, tell us. We'll fix it promptly.
- Request Deletion: Ask us to erase your data. We'll do it unless we're legally required to keep certain records.
- Restrict Processing: Pause how we use your information while we resolve any concerns you have.
- Object to Marketing: Opt out of promotional communications anytime. One click in any email.
- Data Portability: Get your information in a standard format to move it elsewhere if you want.
- Lodge a Complaint: If you're unhappy with how we've handled your data, contact the Office of the Australian Information Commissioner.
Exercising Your Rights
Want to use any of these rights? Just reach out:
Email: help@lymvarentozi.com
Phone: +61 410 480 303
Mail: Privacy Officer, lymvarentozi, Shop/5 Steam Mill La, Haymarket NSW 2000, Australia
We typically respond within 5 business days and resolve most requests within 30 days.
How We Protect Your Information
Security isn't something we bolt on at the end. It's built into everything we do. Your data is encrypted both when it's moving between your device and our servers, and when it's sitting in our databases. We use industry-standard SSL/TLS protocols for all connections.
Our systems are hosted in secure Australian data centres with multiple layers of physical and digital protection. Access to your information is restricted to staff who genuinely need it to do their jobs, and every access is logged and monitored.
We run regular security assessments and penetration testing. When vulnerabilities are found, we patch them immediately. And if there's ever a data breach that affects you, we'll tell you within 72 hours — not because the law says we have to, but because you deserve to know.
How Long We Keep Your Data
We don't hoard information forever. Different types of data have different retention periods based on legal requirements and practical needs:
- Active Account Data: Kept while your account is active and for 2 years after if you stop using our services
- Financial Records: Retained for 7 years to comply with Australian tax and business regulations
- Marketing Preferences: Maintained until you change them or close your account
- Support Communications: Usually kept for 3 years to help resolve ongoing issues
- Usage Analytics: Anonymised after 18 months so it can't be traced back to you
- Legal Documents: Kept as long as legally required, typically 7 years
When data reaches the end of its retention period, we don't just delete it — we securely destroy it so it can't be recovered.
Cookies and Tracking
Like most websites, we use cookies. These are small files stored on your device that remember your preferences and help the site work properly. Some are essential — without them, you couldn't log in or navigate between pages. Others help us understand how people use the site so we can make it better.
Types of Cookies We Use
Essential Cookies: Keep you logged in, remember your settings, and make sure the site functions. You can't turn these off without breaking things.
Performance Cookies: Tell us which pages are popular, how long people spend on different sections, and where they click. This data is anonymised.
Functional Cookies: Remember your preferences like language settings or whether you've seen certain notifications.
Analytics Cookies: Help us understand user behaviour patterns. We use this to improve our content and learning paths.
You can manage cookie preferences in your browser settings. Just know that blocking certain cookies might affect how well the site works for you.
Third-Party Links
Sometimes we link to external resources — articles, tools, or partner websites that might be useful for your financial learning. Once you click those links, you're on their turf, and their privacy policies apply instead of ours.
We try to only link to reputable sources, but we can't control what they do with your information. So take a moment to read their privacy policies if you're concerned about how they handle data.
Children's Privacy
Our services are designed for adults. We don't knowingly collect information from anyone under 18. If you're a parent and think your child has given us their information, please contact us immediately and we'll delete it.
If we discover we've accidentally collected data from someone under 18, we'll remove it from our systems as soon as we become aware of it.
International Data Transfers
Your information is primarily stored on servers located in Australia. However, some of our service providers operate globally, which means your data might occasionally be processed in other countries.
When this happens, we make sure these providers meet Australian privacy standards. We use standard contractual clauses approved by the Australian government, and we only work with companies in countries that have adequate data protection laws.
If you're accessing our services from outside Australia, please be aware that your information will be transferred to and processed in Australia under Australian privacy laws.
Changes to This Policy
Privacy laws evolve, our services change, and sometimes we need to update this policy. When we make significant changes, we'll email you and post a notice on our website at least 30 days before the changes take effect.
Minor updates — like fixing typos or clarifying existing practices — we'll make directly and note the new date at the top of this page. We encourage you to review this policy periodically, especially if you haven't looked at it in a while.
If you disagree with any changes, you can close your account before they take effect. We'll be sorry to see you go, but we respect your decision.
Questions and Complaints
If something in this policy doesn't make sense, or if you have concerns about how we're handling your information, talk to us. Seriously. We'd rather address your concerns directly than have you worry about it.
Contact our Privacy Officer:
Email: help@lymvarentozi.com
Phone: +61 410 480 303
Mail: Privacy Officer, lymvarentozi, Shop/5 Steam Mill
La, Haymarket NSW 2000, Australia
We take complaints seriously and investigate every one. You'll get an acknowledgment within 5 business days, and we aim to resolve most issues within 30 days.
If you're not satisfied with how we've handled your complaint, you have the right to contact the Office of the Australian Information Commissioner (OAIC):
Website: www.oaic.gov.au
Phone: 1300 363 992
Mail: GPO Box 5218, Sydney NSW 2001
Effective Date: This privacy policy came into effect on 1 February 2025.
Governing Law: This policy is governed by the laws of New South Wales, Australia, and the Australian Privacy Principles under the Privacy Act 1988 (Cth).
lymvarentozi reserves the right to update this policy at any time. Continued use of our services after changes are posted constitutes acceptance of those changes.