Information We Collect
pantheriova collects various types of information to provide you with comprehensive financial planning services. We gather this information through multiple channels and only collect what's necessary for our service delivery.
Personal Information You Provide
- Contact details including your full name, email address, phone number, and postal address
- Financial information such as income, expenses, assets, liabilities, and investment preferences
- Employment details including your occupation, employer information, and employment history
- Identification documents required for verification purposes under Australian financial regulations
- Banking information necessary for service delivery and payment processing
- Goals and objectives related to your financial planning needs
Information Collected Automatically
When you visit our website or use our digital services, we automatically collect certain technical information to improve your experience and ensure security.
| Information Type | Collection Method | Purpose |
|---|---|---|
| IP Address & Location | Server logs | Security and fraud prevention |
| Device Information | Browser data | Service optimization |
| Usage Patterns | Analytics tools | Website improvement |
| Session Data | Cookies & local storage | User experience enhancement |
How We Use Your Information
Your information serves specific purposes directly related to providing quality financial planning services. We don't use your data for purposes beyond what's necessary for our professional relationship.
Primary Service Purposes
- Creating personalised financial plans based on your individual circumstances and goals
- Providing ongoing advice and adjustments to your financial strategy
- Monitoring your progress toward financial objectives
- Communicating important updates about your accounts or market conditions
Legal and Compliance Requirements
As a financial services provider in Australia, we're required to collect and maintain certain information to comply with:
- Anti-Money Laundering and Counter-Terrorism Financing regulations
- Australian Securities and Investments Commission (ASIC) requirements
- Australian Financial Services Licence obligations
- Professional indemnity insurance requirements
- Taxation reporting obligations where applicable
Service Improvement
We analyse aggregated, non-identifiable data to enhance our services and develop new resources that benefit all clients. This includes understanding common financial planning needs and improving our educational content.
Information Sharing and Third Parties
pantheriova takes a conservative approach to information sharing. We only share your information when necessary for service delivery or when required by law.
Authorised Service Providers
We work with carefully selected third parties who help us deliver our services effectively. These relationships are governed by strict confidentiality agreements.
- Banking institutions for payment processing and account management services
- Investment platforms and fund managers for portfolio implementation
- Insurance providers for risk management solutions
- Technology providers for secure data storage and processing
- Professional services including accounting and legal support when relevant
Important Safeguards
All third-party relationships include contractual obligations requiring them to maintain the same privacy standards we uphold. They can only use your information for the specific services they provide to us, and they cannot use it for their own marketing purposes.
Legal Requirements
We may disclose information when legally required, including:
- Court orders or subpoenas
- Regulatory investigations by ASIC or other authorities
- Tax reporting obligations to the Australian Taxation Office
- Suspected fraudulent or illegal activities
Data Security Measures
Protecting your financial information is fundamental to our operations. We implement multiple layers of security controls and regularly review our practices to ensure they meet current standards.
Technical Security
- 256-bit SSL encryption for all data transmission
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Encrypted data storage with restricted access controls
- Automated backup systems with secure offsite storage
- Network monitoring and intrusion detection systems
Physical and Administrative Security
Our Brisbane office maintains strict physical security protocols, including controlled access, security cameras, and secure document storage. Staff undergo regular privacy training and sign confidentiality agreements.
Data Breach Response
In the unlikely event of a data breach, we have established procedures to contain the incident, assess the impact, and notify affected clients within 72 hours. We maintain comprehensive incident response plans and work with cybersecurity specialists when needed.
Your Privacy Rights
Under Australian Privacy Principles, you have several rights regarding your personal information. We're committed to making these rights accessible and straightforward to exercise.
Access and Correction
You can request to see what personal information we hold about you and ask for corrections if you believe anything is inaccurate or outdated. We'll respond to access requests within 30 days.
- Request a copy of your personal information in our records
- Update contact details, employment information, or financial circumstances
- Correct any errors in your financial data or personal details
- Add context or explanations to information in your file
Marketing and Communication Preferences
You can control how we communicate with you about optional services or educational content. Essential service communications will continue regardless of these preferences.
| Communication Type | Can Opt Out | How to Change |
|---|---|---|
| Educational newsletters | Yes | Email unsubscribe or contact us |
| Service announcements | Limited | Contact us directly |
| Account notifications | No | Required for service delivery |
| Market updates | Yes | Email preferences or phone request |
Complaints Process
If you have concerns about how we've handled your personal information, you can lodge a complaint with us directly. We'll investigate and respond within 45 days. If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner.
Data Retention and Deletion
We keep your information only as long as necessary for service delivery and legal compliance. Different types of information have different retention requirements based on regulatory obligations.
Retention Periods
- Financial planning advice records: 7 years from last service provision
- Client identification documents: 7 years after relationship ends
- Transaction records: 7 years as required by AML/CTF legislation
- Marketing communication records: 3 years or until unsubscribed
- Website analytics data: 26 months in aggregated form
- Complaint records: 7 years from resolution date
Secure Deletion Process
When retention periods expire, we use industry-standard data destruction methods to ensure information cannot be recovered. This includes secure wiping of digital files and physical destruction of paper records through certified destruction services.
International Data Transfers
While we primarily store and process your data within Australia, some of our technology providers may involve international data transfers. We ensure appropriate safeguards are in place for any overseas data handling.
Current International Arrangements
- Cloud storage services with data centres in Australia and New Zealand
- Email service providers with servers in countries with adequate privacy protections
- Backup services that may replicate data to secure facilities overseas
- Software providers offering security and analytics services from approved jurisdictions
All international transfers are subject to contractual agreements that require equivalent privacy protection standards. We regularly review these arrangements to ensure they meet Australian privacy requirements.
Children's Privacy
Our financial planning services are designed for adults, and we don't knowingly collect personal information from individuals under 18 years of age. If we become aware that we've collected information from someone under 18, we'll delete it promptly.
Parents or guardians seeking financial planning that involves minor beneficiaries should contact us directly to discuss appropriate privacy safeguards and consent procedures.
Privacy Policy Updates
We review this privacy policy annually and update it when our practices change or new regulations require modifications. Significant changes will be communicated to clients via email and highlighted on our website.
Minor updates, such as clarifications or contact detail changes, will be posted on our website with an updated "Last Modified" date. Continued use of our services after updates constitutes acceptance of the revised policy.