Privacy Policy

Your Privacy Matters to Us

At zenoorayzo, we take your privacy seriously and are committed to protecting your personal information in accordance with Australian Privacy Principles and applicable data protection laws.

This policy explains how we collect, use, and safeguard your information when you use our financial planning consultation services.

Information We Collect

We collect information necessary to provide our consultation services effectively:

• Contact details including name, email address, phone number, and postal address
• Financial information relevant to consultations such as income ranges and general asset information
• Communication records including consultation notes and correspondence
• Website usage data including pages visited and interaction patterns

How We Use Your Information

We use collected information for the following purposes:

• Providing personalised financial planning consultations and related services
• Scheduling appointments and maintaining communication about our services
• Improving our services based on feedback and usage patterns
• Meeting legal and regulatory requirements under Australian financial services laws

Legal Basis for Processing

We process your personal information based on several legal grounds:

We process your data on the basis of consent and legitimate interest.: Consent / Legitimate Interest

Your consent allows us to provide requested services, while legitimate interest enables us to improve our offerings and meet regulatory obligations.

When We Share Information

We may share your information in limited circumstances:

• With trusted service providers who assist in delivering our services, under strict confidentiality agreements
• When required by Australian law, regulation, or court orders
• To protect our rights, property, or safety, or that of our clients or the public

Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. However, no method of transmission over the internet is completely secure.

Your Privacy Rights

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

• Access your personal information we hold and request copies
• Request correction of inaccurate or incomplete information
• Request deletion of your information in certain circumstances
• Withdraw consent for processing where consent is the legal basis
• Lodge a complaint with the Australian Privacy Commissioner

Cookies and Online Tracking

We use cookies and similar technologies to improve your website experience and analyse usage patterns.

For detailed information about our cookie practices, please review our separate Cookie Policy.

Data Retention

We retain your personal information for as long as necessary to provide our services and meet legal obligations. Client records are typically retained for seven years after the end of our professional relationship, in accordance with Australian regulatory requirements.

Children's Privacy

Our services are intended for adults aged 18 and over. We do not knowingly collect personal information from children under 18. If we become aware of such collection, we will delete the information promptly.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices or applicable laws. We will notify you of significant changes through email or website notices.

Contact Us About Privacy

If you have questions about this privacy policy or want to exercise your privacy rights, please contact us: