Privacy Policy

Information We Collect

Personal Information You Provide

When you sign up for our budget adjustment programs or webinars, we ask for information that helps us deliver a better learning experience. This typically includes your name, email address, phone number, and sometimes details about your financial goals or current budget challenges.

We also collect information when you contact us through our website or email. If you participate in our learning programs starting in late 2025, we might gather additional details to tailor the curriculum to your needs.

Automatically Collected Information

Like most websites, ours collects some technical data automatically. This includes your IP address, browser type, device information, and how you navigate through our site. We use this to understand which resources are most helpful and where we can improve.

Cookies and Tracking

We use cookies—small text files stored on your device—to remember your preferences and analyze site traffic. You can disable cookies through your browser settings, though some features might not work as smoothly.

How We Use Your Information

We use the information we collect for several specific purposes:

• Delivering educational content and program materials you've registered for
• Sending updates about upcoming webinars, courses, or program changes
• Responding to your questions and providing customer support
• Improving our website functionality and educational offerings
• Analyzing how people use our services to create better learning experiences
• Complying with legal obligations under Australian law

Data Storage and Security

Your information is stored on secure servers located in Australia. We use industry-standard encryption and security measures to protect your data from unauthorized access, alteration, or disclosure.

That said, no system is completely bulletproof. While we take reasonable precautions to protect your information, we can't guarantee absolute security. If we detect a data breach that affects your personal information, we'll notify you as required under Australian privacy laws.

How Long We Keep Your Data

We retain your personal information for as long as you're actively engaged with our services, plus a reasonable period afterward. Specifically:

• Active program participants: Duration of program plus 3 years
• Newsletter subscribers: Until you unsubscribe
• Customer inquiries: 2 years from last contact
• Financial records: 7 years (as required by Australian tax law)

Once the retention period expires, we securely delete or anonymize your information so it can no longer identify you.

Sharing Your Information

We're pretty selective about who we share your information with. Here's the complete list:

Service Providers

We work with trusted third-party providers who help us operate our business—things like email delivery services, payment processors, and website hosting. These providers only access the information necessary to perform their specific functions, and they're contractually obligated to protect your data.

Legal Requirements

Sometimes we're legally required to disclose information. This might happen if we receive a valid court order, subpoena, or need to comply with Australian regulatory requirements. We'll only share what's legally necessary.

Business Transfers

If hylolurauno is acquired by or merges with another company, your information would likely be transferred as part of that transaction. We'd notify you before this happens and let you know about any changes to how your data is handled.

Your Rights and Choices

Under Australian privacy law, you have several important rights regarding your personal information:

How to Exercise Your Rights

To make a request or exercise any of these rights, contact us using the details at the bottom of this page. We'll respond within 30 days and verify your identity before processing any requests.

If you're not satisfied with how we've handled your concern, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). Their website is oaic.gov.au.

International Data Transfers

We primarily store and process data within Australia. However, some of our service providers operate servers overseas. When we transfer data internationally, we ensure appropriate safeguards are in place through:

• Contracts requiring overseas recipients to protect your information according to Australian privacy standards
• Transferring data only to countries with substantially similar privacy protections
• Using secure, encrypted transmission methods

Most of our international transfers involve email service providers and web hosting companies based in the United States and European Union—regions with strong data protection frameworks.

Children's Privacy

Our services are designed for adults and aren't intended for anyone under 18. We don't knowingly collect personal information from children. If we discover we've inadvertently collected information from someone under 18, we'll delete it promptly.

Parents or guardians who believe their child has provided us with personal information should contact us immediately so we can address the situation.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The "Last Updated" date at the top of this page shows when we most recently revised the policy. We encourage you to review it periodically—especially before providing us with new personal information.

Third-Party Websites

Our website might contain links to external sites we don't control. This privacy policy only applies to hylolurauno.com. We're not responsible for the privacy practices of other websites, so we recommend reading their privacy policies before sharing your information.