Who We Are

zirpenalovo operates from Shop V5-7 Orange City Centre, 190 Anson St, Orange NSW 2800, Australia. We're a budget review service that helps people across Australia get their finances sorted. When we say "we" or "zirpenalovo," that's who we're talking about.

Under Australian privacy laws, specifically the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), we're classified as an APP entity. That means we follow strict rules about how we handle your personal information.

Information We Collect

We collect different types of information depending on how you interact with us. Here's what that looks like in practice:

Personal Details

• Your name, email address, and phone number when you contact us or sign up
• Mailing address if you're in Orange or surrounding NSW areas and prefer physical correspondence
• Financial information you provide during budget reviews (income, expenses, debt details)
• Payment information when you use our services

Technical Information

• IP address and browser type when you visit zirpenalovo.com
• Pages you view and how long you spend on them
• Device information (whether you're on mobile or desktop)
• Cookies and similar tracking technologies (more on this below)

Communications

• Any emails, messages, or calls you have with our team
• Feedback or survey responses you choose to provide
• Records of appointments and consultation notes

How We Collect Your Information

Most of the time, you give us information directly. That happens when you fill out forms on our website, send us an email at support@zirpenalovo.com, or call us at +61437698069. Pretty straightforward.

We also collect some information automatically through cookies when you browse our site. These help us understand which pages are useful and which ones need work. You can disable cookies in your browser settings, though some features might not work as smoothly.

Occasionally, we receive information from third parties. For instance, if you're referred by a financial counsellor or accountant, they might share basic details with your permission.

Why We Need Your Information

We're not collecting information for the sake of it. Here's what we actually do with the data you provide:

How We Share Information

We keep your information within our team most of the time. But there are situations where we need to share it with others:

Service Providers

We work with companies that help us run our business. This includes our website hosting provider, email service, and payment processor. These providers only access information needed to do their job, and they're bound by confidentiality agreements.

Legal Requirements

If Australian law requires us to disclose information, we'll comply. This might happen in response to a court order or government request. We'll notify you if this occurs unless we're legally prevented from doing so.

Professional Advisers

With your consent, we might share information with financial professionals who are helping you. For example, if you're working with both us and an accountant, sharing information can help everyone give you better advice.

Your Rights

Australian privacy law gives you several rights regarding your personal information. Here's what you can do:

To exercise any of these rights, send us an email at support@zirpenalovo.com or call +61437698069. We'll need to verify your identity before processing requests, which usually involves confirming a few details about your account.

Data Security

We use industry-standard security measures to protect your information. This includes encrypted connections when you access our website, secure servers with restricted access, and regular security audits.

Our team receives training on data protection, and we limit internal access to personal information on a need-to-know basis. Physical documents at our Orange office are kept in locked cabinets, and digital files are password-protected.

That said, no system is completely foolproof. If we experience a data breach that might affect you, we'll notify you and the relevant authorities as required by Australian law.

How Long We Keep Information

We don't keep information longer than necessary. Here's our general approach:

• Active client records: kept for the duration of our relationship plus seven years (tax and financial records requirements)
• Marketing contact information: until you unsubscribe or request removal
• Website analytics: aggregated data kept indefinitely, individual data for 26 months
• Communication records: typically three years unless needed for legal purposes

When we delete information, we do so securely and completely. This includes shredding physical documents and permanently erasing digital files.

Cookies and Tracking

Our website uses cookies to function properly and improve your experience. Some are essential (like keeping you logged in), while others help us understand how people use the site.

Types of Cookies We Use

• Essential cookies: Required for basic site functionality
• Analytics cookies: Help us see which pages are popular and where people get stuck
• Preference cookies: Remember your settings and choices

You can manage cookie preferences through your browser settings. Most browsers let you block or delete cookies, though this might affect how the site works for you.

International Data Transfers

We primarily store data on Australian servers. However, some of our service providers (like email hosting) might store information overseas. When this happens, we ensure those providers meet Australian privacy standards through contractual safeguards.

If you're accessing our site from outside Australia, your information will be transferred to and processed in Australia under Australian privacy laws.

Children's Privacy

Our services are designed for adults managing their finances. We don't knowingly collect information from anyone under 18. If you're a parent or guardian and believe your child has provided us with personal information, contact us immediately so we can delete it.

Changes to This Policy

We review this policy regularly and update it when needed. When we make significant changes, we'll notify you via email or through a notice on our website. The "last updated" date at the top tells you when the most recent changes were made.

Continuing to use our services after changes take effect means you accept the updated policy. If you disagree with changes, you can stop using our services or request deletion of your information.

Third-Party Links

Our website might link to external sites (like financial education resources or government tools). We're not responsible for the privacy practices of those sites. When you click through to another site, their privacy policy applies instead of ours.