Privacy Policy

Aurelium Group ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, store, and disclose your personal information in accordance with the Australian Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the Spam Act 2003 (Cth).

Our services are currently educational in nature, designed to provide financial literacy tools and calculations. We do not currently hold an Australian Financial Services License (AFSL) and do not provide personal financial advice.

We collect information that is reasonably necessary for us to provide our financial calculators, dashboard features, and educational content. This includes:

- Identity Data: Name, email address, mobile phone number, and age.

- Financial Particulars: Information regarding your income (salary), expenses, superannuation balances, savings, employment status and history, assets (including property values and vehicles), liabilities (loans/debts), and insurance status.

- Household & Partner Data: Information regarding your household structure, including partner income and assets (where you choose to provide it).

- Future Planning Data: Information regarding your financial goals, interests, and potential future plans (e.g., travel, property purchase).
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‍- Technical Usage Data: IP address, browser type, and data collected via cookies and tracking pixels (such as Meta Pixel or Google Analytics) to improve user experience.
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‍- Sensitive Information (Future Collection): While we do not currently collect health information, you acknowledge that future services (such as Life Insurance assessments) may require the collection of health and lifestyle information. We will only collect this sensitive information with your express consent at the time it is required.

If you provide personal information about a third party (such as a spouse, partner, or dependant) into our calculators, you warrant that you have obtained that person’s consent to provide their information to us for the purposes set out in this policy.

We collect data through:

- Direct Interaction: When you enter data into our website calculators, sign up for our newsletter, or create a user account.

‍- Automated Technologies: As you interact with our website (via cookies and pixels).

- Third Parties: From time to time, we may receive data from referral partners if you have requested they connect you with us.

We use your information for the following purposes:

- Core Service: To generate your personalized financial health scorecard, net worth calculations, and dashboard visualizations.
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- Education & Marketing: To send you educational content, newsletters, and updates via email or SMS.

‍- Service Expansion (Future Services): As our business evolves, we may expand our services to include licensed financial activities. We use your data to identify and inform you of future financial products, services, or solutions that may be relevant to your financial situation. subject to us obtaining the necessary regulatory licences. These future services may include:
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       -- Credit Assistance: (e.g., Home loans, investment loans, and refinancing).
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‍        -- Risk Protection: (e.g., Life insurance, income protection, and general insurance such as home/motor).
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‍        -- Wealth Management: (e.g., Superannuation insights, investment options, or financial planning).
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‍- Referrals: To refer you to third-party professionals (e.g., brokers or planners) only where you have explicitly requested such an introduction.
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‍- Analytics: To aggregate data for market research (e.g., "Average Net Worth of 30-year-olds"). Aggregated data will never identify you personally.

We may disclose your personal information to:

- Technology Providers: Trusted third parties who support our business, including cloud hosting providers (e.g., AWS/Google Cloud/Azure) and marketing platforms (e.g., Mailchimp).
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‍- Referral Partners: Referral Partners: External professionals, including mortgage brokers, insurance providers, superannuation funds, or financial advisers, but only if you specifically opt-in to receive a consultation or referral.
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‍- Legal Requirements: Regulatory bodies or law enforcement if required by law.

We do not sell your personal financial data to data brokers or third parties for their independent marketing purposes.

We use third-party service providers (such as Mailchimp for emails and Cloud SQL servers for data storage) that may store data in jurisdictions outside of Australia, including the United States. By providing your personal information, you consent to this transfer and acknowledge that while we take reasonable steps to ensure the security of your data, overseas recipients are subject to foreign laws.

We take the security of your financial data seriously. Your data is stored on secure cloud servers using industry-standard encryption protocols. We restrict access to your personal financial details to authorized personnel only. However, no data transmission over the internet is 100% secure, and we cannot guarantee absolute security.

You have the right to access the personal information we hold about you. As our platform allows for user accounts, you may be able to view and update your data directly via your dashboard. Alternatively, you can request access or correction by contacting us at: [Insert Email].

Email: You can unsubscribe from our emails at any time using the "Unsubscribe" link in the footer of our messages.

SMS: By providing your mobile number, you consent to receive administrative alerts (regarding your account) and marketing messages. You may opt-out of SMS marketing at any time by replying "STOP."

We may update this policy to reflect changes in our business (e.g., acquiring an AFSL). We will notify you of material changes via email. Your continued use of the site after such changes constitutes acceptance of the new policy.

If you have questions about this policy or a privacy complaint, please contact:

Aurelium Group
admin@aureliumgroup.com.au