Privacy Policy
Last Updated: January 2025
At velarianox, we understand that your financial recovery journey involves sharing sensitive information. This policy explains how we collect, handle, and protect your personal data while helping you rebuild your financial future.
We're bound by the Australian Privacy Principles under the Privacy Act 1988 (Cth), and we take these obligations seriously. This isn't just legal compliance for us—it's about earning your trust during what might be a challenging time in your life.
Privacy Officer Contact:
Shores Retail Centre, Bay St, Port Macquarie, NSW, 2444
Phone: +61 88 447 0500
Email: info@velarianox.com
What Information We Collect
We collect different types of information depending on how you interact with our services. Some you provide directly, and some we gather through your use of our website and learning programs.
Personal Identification Details
When you register for our financial recovery programs or contact us for guidance, we typically collect your name, email address, phone number, and postal address. If you're enrolling in paid programs, we'll also need payment details and potentially your tax file number for compliance purposes.
Financial Recovery Information
To provide meaningful assistance with your financial recovery, we may collect information about your current financial situation, debt levels, income sources, and recovery goals. This helps us tailor our educational content and strategies to your specific circumstances.
We never require more information than necessary. If something we're asking for doesn't make sense given what you're trying to accomplish, feel free to question it.
Technical and Usage Data
Like most websites, we collect technical information when you visit velarianox.com. This includes your IP address, browser type, device information, pages visited, and how long you spend on different sections. We use this to improve our platform and understand which resources are most helpful.
- Browser and device characteristics
- Page navigation patterns and time spent on resources
- Search queries within our learning materials
- Download and completion records for educational content
- Interactions with our online tools and calculators
How We Use Your Information
Everything we collect serves a purpose connected to helping you achieve financial recovery. We don't gather data just for the sake of it.
| Purpose | Details |
|---|---|
| Program Delivery | Providing access to learning materials, tracking your progress, and offering personalized guidance |
| Communication | Sending program updates, educational resources, and responding to your inquiries |
| Service Improvement | Analyzing how people use our resources to make them more effective |
| Legal Compliance | Meeting our obligations under Australian financial services regulations |
| Security | Protecting your account and detecting unauthorized access attempts |
We occasionally send emails about new resources or program updates. These aren't marketing spam—they're genuinely useful information related to financial recovery strategies. But if you'd rather not receive them, you can opt out at any time through the unsubscribe link in each email.
Data Storage and Security
Your information is stored on secure servers located in Australia. We use industry-standard encryption for data transmission and storage, though we won't pretend any system is completely impenetrable.
Access to personal information is restricted to team members who need it to provide services. Our staff undergo regular privacy training and are bound by confidentiality agreements.
Security Measures We Employ
- SSL encryption for all data transmitted through our website
- Secure, password-protected databases with regular backups
- Multi-factor authentication for staff accessing sensitive systems
- Regular security audits and vulnerability assessments
- Strict access controls based on role requirements
Despite these precautions, no internet transmission is completely secure. If you become aware of any security breach, contact us immediately at info@velarianox.com.
Sharing Your Information
We don't sell your personal information. Period. We're not in the data-selling business—we're in the financial education business.
There are limited circumstances where we share information with third parties, always with appropriate safeguards:
Service Providers
We work with carefully selected service providers who help us deliver our programs—payment processors, email service providers, and hosting companies. These providers only access information necessary for their specific function and are contractually bound to protect your privacy.
Legal Requirements
We may disclose information if required by Australian law, court order, or government regulation. This includes responding to subpoenas or assisting law enforcement investigations when legally obligated.
If we're ever required to disclose your information for legal reasons, we'll notify you unless prohibited by law from doing so.
Your Privacy Rights
Australian privacy law gives you several rights regarding your personal information. We've built systems to make exercising these rights straightforward.
Access Your Information
You can request a copy of the personal information we hold about you. We'll provide this within 30 days, though we may charge a reasonable fee for complex requests.
Correct Inaccuracies
If information we hold is wrong or outdated, let us know and we'll correct it promptly. You can update most details yourself through your account settings.
Request Deletion
You can ask us to delete your personal information, subject to legal requirements that may require us to retain certain records.
Object to Processing
You can object to how we use your information for specific purposes, like direct marketing communications.
Data Portability
Request your information in a structured, commonly used format that you can transfer to another service provider.
Lodge a Complaint
If you believe we've mishandled your information, you can complain to us or directly to the Office of the Australian Information Commissioner.
To exercise any of these rights, contact our Privacy Officer using the details at the top of this page. We'll respond within a reasonable timeframe and explain our decision if we can't fulfill your request.
Cookies and Tracking Technologies
Our website uses cookies—small text files stored on your device that help us recognize you and remember your preferences. Most are essential for the site to function properly, while others help us understand how people use our resources.
Types of Cookies We Use
- Essential cookies required for login and security features
- Functional cookies that remember your preferences and settings
- Analytics cookies that show us which content is most helpful
- Session cookies that expire when you close your browser
You can control cookie settings through your browser, though disabling certain cookies may limit website functionality. We don't use third-party advertising cookies or sell cookie data to advertisers.
Data Retention
We keep your information only as long as necessary for the purposes outlined in this policy or as required by Australian law.
For active program participants, we retain your data throughout your enrollment and for seven years afterward to comply with financial record-keeping requirements. If you've only made inquiries without enrolling, we typically delete your information after two years of inactivity.
Some information must be retained longer for legal reasons—tax records, for instance, or records related to disputes. When data reaches the end of its retention period, we securely delete or anonymize it.
Children's Privacy
Our services are designed for adults dealing with financial challenges. We don't knowingly collect information from anyone under 18 without parental consent. If you believe we've accidentally collected information from a minor, contact us immediately and we'll delete it.
Changes to This Policy
We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify active users via email and post the updated policy on our website with a new "Last Updated" date.
Continuing to use our services after policy changes indicates your acceptance of the updated terms. If you disagree with changes, you can close your account and request deletion of your information.