Privacy Policy

At ranquessylio, we understand that your personal information is valuable and deserves protection. This privacy policy explains how we collect, use, store, and protect your data when you interact with our financial services and educational resources.

Last Updated: January 15, 2025

Information We Collect

We collect various types of information to provide you with our financial services and educational content effectively. This includes information you provide directly and data we gather automatically during your interaction with our platform.

Personal Information You Provide

Contact details including name, email address, phone number, and postal address
Professional information such as job title, company name, and industry sector
Financial information relevant to our services, including business revenue and financial goals
Educational preferences and learning objectives for our training programs
Communication records including emails, chat messages, and support inquiries

Automatically Collected Information

Website usage data including pages visited, time spent, and navigation patterns
Technical information such as IP address, browser type, device information, and operating system
Cookies and similar tracking technologies to enhance user experience
Referral source information showing how you found our website

How We Use Your Information

Your information helps us deliver personalised financial services and educational content that meets your specific business needs. We use this data responsibly and only for legitimate business purposes.

Purpose	Data Used	Legal Basis
Service Delivery	Contact and financial information	Contract performance
Educational Content	Learning preferences and progress	Legitimate interest
Customer Support	Communication records and account details	Contract performance
Marketing Communications	Contact details and preferences	Consent
Website Improvement	Usage data and technical information	Legitimate interest

Important: We never sell your personal information to third parties. Any data sharing occurs only with your explicit consent or as required by Australian law.

Data Sharing and Third Parties

We work with carefully selected partners to deliver our services effectively. These relationships are governed by strict data protection agreements to ensure your information remains secure.

Service Providers

We share limited data with trusted service providers who help us operate our business:

Cloud hosting providers for secure data storage and website functionality
Email marketing platforms for delivering educational content and updates
Payment processors for handling financial transactions securely
Analytics services to understand website performance and user experience
Customer support tools to provide efficient assistance

Legal Requirements

We may disclose your information when required by Australian law, including:

Compliance with court orders or legal proceedings
Cooperation with law enforcement investigations
Meeting regulatory requirements from financial authorities
Protecting the rights and safety of our users and staff

Your Privacy Rights

Under Australian Privacy Principles and applicable data protection laws, you have significant control over your personal information. We've designed simple processes to help you exercise these rights.

Access and Correction

You can request access to your personal information and ask us to correct any inaccuracies. We'll provide this information within 30 days of your request, subject to identity verification.

Data Portability

You can request a copy of your personal data in a commonly used electronic format. This helps you transfer your information to other service providers if desired.

Withdrawal of Consent

You can withdraw consent for marketing communications at any time by clicking unsubscribe links in emails or contacting us directly. This won't affect services you've already contracted for.

Data Deletion

You can request deletion of your personal information, subject to our legal obligations to retain certain records for regulatory compliance. We'll explain any limitations when processing your request.

Data Security and Protection

We implement comprehensive security measures to protect your information from unauthorised access, alteration, disclosure, or destruction. Our approach combines technical safeguards with staff training and regular security assessments.

Technical Safeguards

Encryption of sensitive data both in transit and at rest
Regular security audits and vulnerability assessments
Multi-factor authentication for staff accessing client data
Secure backup systems with geographic redundancy
Network monitoring and intrusion detection systems

Organisational Measures

Regular staff training on data protection and privacy principles
Clear policies governing data access and handling procedures
Incident response procedures for potential data breaches
Regular review and updating of security protocols

Data Breach Notification: In the unlikely event of a data breach affecting your personal information, we'll notify you within 72 hours and take immediate action to minimise any impact.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes.

Data Type	Retention Period	Reason
Client service records	7 years after contract end	Australian tax and business law requirements
Marketing communications	Until consent withdrawn	Ongoing marketing purposes
Website usage data	2 years	Analytics and improvement purposes
Support inquiries	3 years	Customer service quality assurance
Financial transaction records	7 years	Tax compliance and audit requirements

When retention periods expire, we securely delete or anonymise your personal information using industry-standard data destruction methods.

International Data Transfers

Some of our service providers operate internationally, which may involve transferring your personal information outside Australia. We ensure these transfers meet strict data protection standards.

Safeguards for International Transfers

Data processing agreements requiring equivalent protection standards
Regular audits of international service providers' security practices
Use of approved transfer mechanisms under Australian privacy law
Limiting data transfers to what's necessary for service delivery

Countries where data may be processed include the United States and members of the European Union, all of which have been assessed for adequate data protection frameworks.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalised content. You have control over how these technologies are used.

Types of Cookies We Use

Essential Cookies: Required for basic website functionality and security
Analytics Cookies: Help us understand how visitors use our website
Functional Cookies: Remember your preferences and improve user experience
Marketing Cookies: Used to deliver relevant advertisements and measure campaign effectiveness

You can manage cookie preferences through your browser settings or our cookie management tool available on the website. Disabling certain cookies may affect website functionality.

Updates to This Privacy Policy

We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. Significant changes will be communicated through multiple channels.

How We Notify You of Changes

Email notification to active clients and subscribers
Prominent notice on our website homepage
Updated "Last Modified" date at the top of this policy
Detailed explanation of significant changes in our newsletter

Continued use of our services after policy updates indicates acceptance of the revised terms. If you disagree with changes, please contact us to discuss your options.

Privacy Questions and Contacts

Data Protection Officer: Fiona Whittaker

Email: privacy@ranquessylio.com

Phone: +61 7 3257 1868

Mail: Privacy Officer, ranquessylio Financial Services

28-32 Elizabeth St, Melbourne VIC 3000, Australia

For general inquiries about our services, please contact help@ranquessylio.com