lunorivion operates from Chester St, Epping NSW 2121, Australia, providing educational resources and guidance on seasonal budget adjustments for Australian families and businesses. This privacy policy explains how we collect, use, protect, and share your personal information when you interact with our services.

We're bound by Australian Privacy Principles under the Privacy Act 1988 (Cth), which means your personal information receives strong legal protection. Our approach goes beyond compliance – we believe transparency about data handling builds the trust essential for meaningful financial education.

Understanding what information we collect helps you make informed decisions about engaging with our educational content and services.

Information we don't collect: We never request specific account numbers, detailed financial statements, or sensitive personal information beyond what's necessary for educational purposes. Our focus remains on providing relevant seasonal budgeting guidance rather than comprehensive financial analysis.

Every piece of information we collect serves a specific purpose in delivering better seasonal budgeting education and support.

• Educational content delivery: Sending seasonal budget guides, adjustment strategies, and timely reminders about upcoming financial seasons relevant to Australian households
• Personalized guidance: Tailoring our recommendations based on your indicated budget size and seasonal spending priorities
• Service improvement: Analyzing which resources prove most helpful to enhance our educational offerings and develop new content
• Direct communication: Responding to questions, providing clarification on budgeting strategies, and offering additional resources when requested
• Legal compliance: Meeting Australian financial education standards and maintaining records as required by relevant regulations

We never use your information for automated decision-making that significantly affects your financial choices. Our role remains educational – providing information and strategies while leaving all financial decisions in your hands.

Protecting your information means being selective about when and how we share it. Here's our complete approach to information sharing:

We do not sell personal information. Your contact details, financial context, and usage patterns never become products for other companies to purchase.

Service providers we work with: Email delivery services, website hosting providers, and educational content management systems receive only the minimum information necessary to deliver our services. These providers operate under strict confidentiality agreements.

Legal requirements: Australian law may require disclosure in specific circumstances – court orders, regulatory investigations, or situations involving potential harm. We notify affected individuals unless legally prohibited.

Business transitions: Should lunorivion undergo significant changes in ownership or structure, personal information would transfer under the same privacy protections outlined in this policy.

You maintain significant control over your personal information. Understanding these rights helps you make informed decisions about your privacy.

Exercising your rights: Contact us at contact@lunorivion.com or +61895355315 to request access, corrections, or deletion of your information. We respond to privacy requests within 30 days and provide clear explanations of any limitations.

Account management: Update your communication preferences, modify contact information, or pause educational content delivery through your account settings or by contacting us directly.

Marketing opt-out: Every educational email includes unsubscribe links, or contact us to remove your information from all marketing communications while maintaining access to core educational resources.

Protecting your information requires both technological measures and careful handling procedures. Our security approach addresses multiple potential risks:

Technical safeguards: Encrypted data transmission, secure server environments, regular security updates, and access controls limiting who can view personal information within our organization.

Procedural protections: Staff training on privacy handling, regular security audits, incident response procedures, and clear protocols for accessing and using personal information.

Data minimization: We collect only information necessary for educational purposes and delete data that's no longer required for legitimate business needs.

Breach notification: Should a security incident occur affecting your personal information, we'll notify affected individuals and relevant authorities as required by Australian law, typically within 72 hours of becoming aware of the breach.

We don't keep personal information indefinitely. Our retention practices balance service delivery needs with privacy protection:

Active engagement period: While you actively use our educational resources, we maintain necessary information to provide consistent, personalized guidance and track your learning progress.

Inactive accounts: After 24 months of no engagement, we begin removing non-essential personal information while preserving basic contact details for potential future re-engagement.

Complete deletion: Upon request or after 36 months of inactivity, we delete all personal information except what's required for legal compliance or legitimate business records.

Legal retention requirements: Some information may be retained longer to comply with Australian taxation, business records, or consumer protection regulations.

Our website uses various technologies to improve your experience and help us understand how to make our educational resources more effective.

Essential cookies: Required for basic website functionality, security, and maintaining your session while navigating through educational content.

Analytics cookies: Help us understand which resources prove most valuable, identify content gaps, and improve navigation through seasonal budgeting materials.

Preference cookies: Remember your settings, language choices, and accessibility requirements to provide consistent experiences across visits.

Managing cookies: Most browsers allow you to control cookie acceptance, deletion, and notification preferences. Disabling certain cookies may limit website functionality but won't prevent access to core educational content.

Third-party services: Educational content delivery, email services, and analytics tools may place their own cookies. We ensure these services meet appropriate privacy standards before integration.

Privacy practices evolve with technology, regulations, and service improvements. We update this policy to reflect meaningful changes in how we handle personal information.

Notification of changes: Significant updates prompt direct communication to users via email or prominent website notifications. Minor clarifications or formatting improvements may be updated without individual notice.

Review recommendations: Check this policy periodically, especially if you notice changes in our communications or services that might affect privacy handling.

Grandfathering protections: Information collected under previous versions of this policy remains protected according to the standards in place when collected, unless you specifically consent to new terms.