Privacy Policy

Information We Collect

When you engage with felmariosen's investment analysis services, we collect information that helps us provide personalised financial insights and maintain secure, effective service delivery. Our data collection practices comply with Australian privacy legislation, including the Privacy Act 1988 and Australian Privacy Principles.

Personal Information You Provide

• Account Registration: Your name, email address, phone number, and postal address when you create an account or subscribe to our services
• Financial Profile Information: Investment experience level, financial goals, risk tolerance preferences, and investment timeframes you choose to share
• Communication Records: Content of emails, support requests, and consultation notes when you contact our team
• Payment Information: Credit card details, billing addresses, and transaction history processed through secure payment providers

Information We Collect Automatically

Our website and platforms automatically gather certain technical information to improve functionality and user experience. This includes IP addresses, browser types, device information, page views, and interaction patterns with our investment analysis tools.

How We Use Your Data

Your information serves specific purposes that directly support our investment analysis and educational services. We believe in data minimisation – collecting only what's necessary and using it transparently.

Service Delivery and Personalisation

We use your profile information to customise investment analysis reports, recommend relevant educational content, and tailor our communication to your stated financial goals. For instance, if you've indicated interest in dividend-focused strategies, we'll highlight relevant market analysis and educational resources.

Communication and Support

Your contact details enable us to respond to inquiries, send service updates, and provide educational newsletters you've subscribed to receive. We maintain records of our interactions to ensure consistent, quality support across our team.

Platform Improvement and Analytics

Technical usage data helps us understand which analysis tools are most valuable, identify areas for platform improvements, and ensure our systems perform reliably. This information is aggregated and anonymised for analysis purposes.

Legal and Regulatory Compliance

We process certain data to meet Australian financial services regulations, maintain accurate business records, and fulfill legal obligations related to our investment education and analysis services.

Data Sharing and Third-Party Relationships

We maintain strict controls over data sharing and work only with trusted service providers who meet our privacy and security standards. Your personal information is never sold or used for marketing purposes by third parties.

Service Providers We Work With

• Payment Processors: Secure payment companies process subscription payments and maintain PCI DSS compliance standards
• Email Service Providers: Professional email platforms deliver newsletters and service communications you've requested
• Technical Infrastructure: Cloud hosting providers maintain our platform security and data backup systems
• Analytics Providers: Website analytics services help us understand user experience through aggregated, anonymised data

Legal Disclosure Requirements

We may disclose personal information when legally required by Australian authorities, court orders, or to protect legitimate business interests. Such disclosures occur only when legally mandated and are limited to the minimum information necessary.

Your Privacy Rights

Under Australian privacy law, you have substantial control over your personal information. We've designed straightforward processes to help you exercise these rights effectively.

How to Exercise Your Rights

To make a privacy request, email us at help@felmariosen.com with your full name, account email address, and specific request details. We respond to most requests within 30 days and provide status updates for complex requests requiring additional time.

Security Measures and Data Protection

Protecting your personal and financial information requires comprehensive security measures across our technical infrastructure, operational procedures, and staff training programs.

Technical Security Controls

Our platform employs industry-standard encryption for data transmission and storage, multi-factor authentication for account access, regular security monitoring, and automated threat detection systems. All servers are maintained in secure, certified data centers with physical access controls.

Operational Security Practices

Staff members receive regular privacy training, access to personal information is limited to job requirements, and we conduct periodic security assessments to identify and address potential vulnerabilities. Our incident response procedures ensure rapid action if security issues arise.

Data Backup and Recovery

Regular encrypted backups protect against data loss, with secure recovery procedures tested quarterly. Backup systems maintain the same privacy protections and access controls as primary data storage.

Data Retention and Deletion

We retain personal information only as long as necessary for legitimate business purposes, legal requirements, or until you request deletion. Our retention periods balance your privacy rights with practical business needs.

Retention Periods by Data Type

• Account Information: Maintained while your account is active, plus 7 years after closure for regulatory compliance
• Communication Records: Customer service interactions kept for 3 years to ensure service quality and resolve disputes
• Financial Analysis Data: Investment-related information retained for 7 years per Australian financial services regulations
• Marketing Preferences: Email subscription data maintained until you unsubscribe, then deleted within 30 days
• Technical Usage Data: Website analytics and system logs retained for 2 years, then automatically deleted

Secure Deletion Procedures

When data reaches its retention limit or you request deletion, we use secure deletion methods that make information unrecoverable. This includes overwriting storage media and ensuring backup copies are similarly treated.

International Data Transfers

While felmariosen primarily operates within Australia, some of our technology service providers may store or process data in other countries with adequate privacy protections.

Approved Transfer Mechanisms

Any international data transfers occur only to countries with adequate privacy protections as determined by Australian privacy authorities, or under specific contractual arrangements that ensure equivalent privacy safeguards.

Service Provider Locations

Our primary service providers operate data centers in Australia, the United States, and the European Union – all jurisdictions with strong privacy frameworks and adequate protection standards.

Privacy Contact Information

If you have questions about this privacy policy, want to exercise your privacy rights, or need to discuss data handling concerns, we're here to help with knowledgeable, responsive support.

Australian Privacy Regulator

If you believe we've mishandled your personal information, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by calling 1300 363 992.