Information We Collect

When you reach out to mortrinalqever for retirement planning advice, we collect information that helps us understand your financial situation and goals. This isn't about gathering data for the sake of it – everything we ask for directly relates to providing you with personalized retirement strategies.

• Personal details like your name, contact information, and age
• Financial information including income, assets, and existing retirement accounts
• Employment history and career plans
• Family circumstances that might affect your retirement planning
• Risk tolerance and investment preferences
• Communication records from our meetings and correspondence

We also automatically collect some technical information when you visit our website, like your IP address and browser type. This helps us keep our site running smoothly and understand how people find and use our services.

How We Use Your Information

Your information serves one primary purpose: helping you build a secure retirement. We don't use your personal details for marketing campaigns or sell your information to third parties. Here's what we actually do with the information you share:

• Develop personalized retirement plans and pension optimization strategies
• Monitor your progress and adjust recommendations as your situation changes
• Communicate with you about your retirement planning and any relevant updates
• Maintain accurate records for regulatory compliance and service continuity
• Improve our services based on common client needs and feedback
• Protect against fraud and ensure the security of your accounts

Information Sharing and Disclosure

We don't share your personal information with outside parties for their marketing purposes. However, effective retirement planning sometimes requires working with trusted partners, and there are legal requirements we must follow.

We may share your information with:

• Financial institutions where you have accounts, but only with your explicit consent
• Professional service providers like accountants or lawyers when necessary for your retirement planning
• Regulatory bodies when required by Australian financial services law
• Third-party service providers who help us deliver our services, under strict confidentiality agreements
• Legal authorities when required by law or to protect our rights and your safety

Before sharing your information with any third party for your retirement planning benefit, we'll always explain why it's necessary and get your permission first.

Data Security and Protection

Protecting your financial information is something we take seriously every single day. We've implemented multiple layers of security to keep your personal details safe from unauthorized access, theft, or misuse.

• Secure, encrypted storage systems with regular backups
• Multi-factor authentication for all staff access to client information
• Regular security audits and system updates
• Physical security measures at our Cairns North office
• Staff training on privacy protection and data handling procedures
• Secure communication channels for all client correspondence

While we implement strong security measures, no system is completely immune to all risks. We continuously monitor and update our security practices to stay ahead of emerging threats.

Your Rights and Choices

You have significant control over your personal information. These aren't just legal requirements – they're practical rights that you can exercise whenever you need to.

• Access: Request a copy of all personal information we hold about you
• Correction: Ask us to fix any inaccurate or incomplete information
• Deletion: Request deletion of your information when legally permissible
• Portability: Get your information in a format you can use elsewhere
• Restriction: Limit how we process your information in certain circumstances
• Objection: Object to certain types of processing of your information

To exercise any of these rights, simply contact us using the information provided below. We'll respond to your request within 30 days and explain any limitations that might apply under Australian privacy law.

Data Retention and Storage

We keep your information only as long as necessary to provide our services and meet our legal obligations. For active clients, this means maintaining your records throughout our professional relationship and for several years afterward, as required by financial services regulations.

Specifically, we retain:

• Financial planning documents for seven years after our last interaction
• Communication records for five years from the date of correspondence
• Identity verification documents for seven years after account closure
• Transaction records as required by Australian financial services law

After these retention periods expire, we securely delete or destroy your information unless you've specifically requested longer retention for your own records management.

Website and Digital Privacy

Our website uses standard web technologies to function properly and provide you with relevant information. We don't use invasive tracking or share your browsing behavior with advertising networks.

• Essential cookies for website functionality and security
• Analytics cookies to understand how visitors use our site
• Contact form data temporarily stored to process your inquiries
• IP address logging for security and technical troubleshooting

You can control cookie settings through your browser preferences, though disabling certain cookies might affect some website features.

Changes to This Privacy Policy

We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. When we make significant changes, we'll notify active clients directly and post the updated policy on our website.

Minor updates, like clarifying existing practices or updating contact information, will be posted on our website with an updated revision date. We encourage you to review this policy periodically, especially if your circumstances change significantly.