Privacy Policy
How qirathenor collects, uses, and protects your information
Introduction to Our Privacy Practices
qirathenor is committed to protecting the privacy and personal information of individuals who visit our website or engage our consultation services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our website or participate in consultation sessions regarding zero-based budgeting methodology.
We recognize that your financial information and personal details are sensitive. This policy outlines our practices in accordance with Australian Privacy Principles under the Privacy Act 1988 and demonstrates our commitment to transparency about data handling practices. By using our website or services, you consent to the practices described herein.
Information We Collect from You
We collect various types of information to provide effective consultation services and maintain our website functionality. Collection occurs both directly through information you provide and automatically through your interaction with our digital platforms. Understanding what we collect helps you make informed decisions about engaging with our services.
Information You Provide Directly
- • Contact details including name, email address, phone number, and mailing address when you request consultation or submit inquiries
- • Financial situation details you share during consultation sessions to enable personalized zero-based budgeting guidance and values alignment discussions
- • Payment information when you engage consultation services, processed securely through third-party payment processors who maintain their own privacy policies
- • Communication content from emails, contact forms, or messages you send regarding consultation scheduling, questions, or feedback about services
- • Preferences and interests related to budgeting methodology, values alignment priorities, and consultation format preferences you indicate during engagement
Information Collected Automatically
- • Device and browser information including IP address, browser type, operating system, and device identifiers when you access our website
- • Usage data about pages visited, time spent on pages, links clicked, and navigation patterns through our website content
- • Referral source information showing how you found our website, whether through search engines, direct navigation, or referral from other sites
- • Cookie data and similar tracking technologies that enable website functionality and analytics as described in our Cookie Policy
- • Session information including date and time of visits, frequency of return visits, and interaction patterns with website features
How We Use Your Information
We use collected information exclusively for purposes related to providing consultation services, improving website functionality, and communicating about zero-based budgeting methodology. We do not sell personal information to third parties or use it for purposes unrelated to our consultation services.
- • Providing consultation services including scheduling sessions, delivering personalized zero-based budgeting guidance, and following up on implementation progress
- • Communicating about consultation appointments, service updates, methodology resources, and responding to inquiries or support requests you submit
- • Processing payments for consultation services through secure third-party processors and maintaining transaction records for accounting purposes
- • Improving website content and consultation approaches based on aggregate usage patterns and feedback received from clients
- • Analyzing website performance and user experience to optimize navigation, content presentation, and accessibility for visitors
- • Sending informational updates about zero-based budgeting methodology, values alignment concepts, or consultation availability when you opt in to communications
- • Complying with legal obligations, responding to lawful requests from authorities, and protecting our rights and safety of clients
Our Commitment: We will never sell your personal information to third parties. We use your data exclusively to provide consultation services and improve your experience with zero-based budgeting methodology. Your financial details shared during consultation remain confidential and are never disclosed without explicit consent except as required by law.
When We Share Your Information
We maintain strict controls over information sharing and only disclose personal data when necessary for service delivery or legally required. We do not engage in selling or renting personal information to marketing companies or unrelated third parties under any circumstances.
Third-Party Service Providers
We engage carefully selected service providers who assist with website hosting, payment processing, email communications, and analytics. These providers access personal information only to perform specific functions on our behalf and are contractually obligated to maintain confidentiality and security standards consistent with Australian privacy requirements.
Legal Compliance and Protection
We may disclose personal information when required by Australian law, court order, or government regulation. We also reserve the right to share information when necessary to protect our legal rights, prevent fraud, or address safety concerns involving clients or others.
Aggregated Anonymous Statistics
We may share aggregated, anonymized statistics about website usage patterns and consultation trends that cannot identify individual users. This information helps demonstrate consultation effectiveness and contribute to broader understanding of zero-based budgeting adoption patterns.
Your Privacy Rights
Under Australian privacy law, you have specific rights regarding your personal information. We respect these rights and provide mechanisms for you to exercise them. Contact us using the details below to make requests regarding your personal data.
- • Access your personal information we hold and receive copies of data in commonly used format
- • Request correction of inaccurate or incomplete personal information in our records
- • Request deletion of your personal information subject to legal retention requirements and legitimate business needs
- • Receive personal information in structured format and transmit to another service provider where technically feasible
- • Object to processing of your personal information for specific purposes including direct marketing communications
- • Request restriction of processing your personal information under certain circumstances while disputes are resolved
To exercise any of these rights, contact us using the information provided in the Contact section below. We will respond to requests within timeframes required by Australian privacy law and may need to verify your identity before processing requests.
How We Protect Your Information
We implement multiple layers of security to protect personal information from unauthorized access, disclosure, alteration, or destruction. While no system is completely secure, we maintain industry-standard protections appropriate for the sensitivity of information we handle.
Technical Security Measures
- • Encryption of sensitive data during transmission using SSL/TLS protocols and at rest using industry-standard encryption algorithms
- • Secure server infrastructure with firewalls, intrusion detection systems, and regular security updates to prevent unauthorized access
- • Access controls limiting employee and contractor access to personal information based on role requirements and legitimate business needs
- • Regular security assessments and vulnerability testing to identify and address potential weaknesses in our systems
Organizational Security Practices
- • Confidentiality agreements requiring all team members with information access to maintain strict data protection standards
- • Regular training for staff on privacy obligations, security protocols, and proper handling of sensitive client information
- • Incident response procedures to address any suspected data breaches promptly and notify affected individuals as required by law
- • Vendor management processes ensuring third-party service providers maintain security standards consistent with our privacy commitments
How Long We Keep Your Information
We retain personal information only as long as necessary to fulfill purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods vary based on information type and legal requirements applicable to financial consultation services.
- • Contact information and consultation records retained for seven years after last service interaction to comply with financial record-keeping requirements
- • Budget methodology preferences and values alignment notes retained during active consultation relationship and six months after conclusion
- • Email correspondence and inquiry messages retained for three years to maintain service quality records and respond to follow-up questions
- • Payment transaction records retained for seven years as required by Australian tax law and accounting standards
- • Newsletter subscription information and communication preferences retained until you unsubscribe or request deletion of marketing data
When retention periods expire, we securely delete or anonymize personal information unless ongoing retention is required by law or legitimate business interests such as defending legal claims.
International Data Transfers
We primarily store and process personal information within Australia. However, some service providers we engage may store data on servers located outside Australia, potentially including United States or other jurisdictions with different privacy protections than Australian law provides.
- • We use service providers who participate in recognized data protection frameworks or implement contractual protections for transferred data
- • When transfers occur, we ensure appropriate safeguards protect your information consistent with Australian privacy requirements
- • You consent to international transfers described in this policy when you use our services or provide personal information
- • Contact us if you have specific concerns about international data transfers or wish to understand protections in place
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enable functionality, analyze usage patterns, and improve user experience. Cookies are small text files stored on your device that help recognize your browser and remember certain information during and between visits.
Types of Cookies We Use
- • Essential cookies required for website functionality including navigation, security features, and access to secure areas. These cannot be disabled without impairing website usability.
- • Performance cookies collecting anonymous information about how visitors use our website, which pages are most popular, and whether error messages occur.
- • Personalization cookies remembering your preferences such as language settings or region to provide customized experience during return visits.
- • Functionality cookies enabling enhanced features and personalization based on your interaction with website content and expressed preferences.
Most browsers allow you to control cookies through settings. Refer to our Cookie Policy for detailed information about cookies we use and how to manage preferences. Disabling certain cookies may limit website functionality.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, services, legal requirements, or operational needs. We review the policy regularly to ensure it accurately represents our information handling practices and complies with current Australian privacy law.
- • Material changes will be communicated through prominent notice on our website or direct notification to registered clients via email
- • The 'Last Updated' date at the top of this policy indicates when the most recent modifications were made
- • Continued use of our services after policy changes constitutes acceptance of updated terms unless changes require explicit consent
- • We encourage periodic review of this policy to stay informed about how we protect your personal information
If changes significantly alter how we use personal information already collected, we will seek additional consent where required by Australian privacy law before implementing new practices for existing data.
Contact Us About Privacy
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or need to report privacy concerns, please contact us using the methods below. We will respond to privacy inquiries within reasonable timeframes required by Australian law.
qirathenor
Level 4, 55 Southbank Boulevard, Southbank, VIC 3006 Australia
Phone: +61782353890
Email: content@qirathenor.com
This Privacy Policy was last updated on October 23, 2025
This policy is effective as of October 23, 2025