Privacy Policy

Effective Date: June 18, 2025

At Caxithivellum ("we", "us", or "our"), we are committed to protecting your privacy and personal information in accordance with the South Africans Privacy Principles (APPs) under the Privacy Act 1988 (Cth). This Privacy Policy outlines how we collect, use, store, disclose, and safeguard your personal information when you visit our website (the "Site") or use our financial planning subscription services (the "Services"). By accessing the Site or using our Services, you consent to the practices described in this policy. If you do not agree, please refrain from using the Site or Services.

1. Information We Collect

We may collect the following types of information:

  • Personal Information: This includes data that identifies you, such as your name, email address, phone number, postal address, date of birth, financial details (e.g., income, assets, liabilities, investment preferences), and employment details. We collect this information when you subscribe to our Services, fill out forms, contact us, or engage with our financial planning tools.
  • Non-Personal Information: This includes anonymized or aggregated data, such as your IP address, browser type, device information, operating system, and website usage data (e.g., pages visited, time spent, links clicked).
  • Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to track your interactions with the Site. For details, see our Cookie Policy.

2. How We Use Your Information

We use your information for the following purposes:

  • To deliver and personalize our Services, including financial planning, budgeting, investment strategies, retirement planning, tax optimization, and debt management.
  • To process your subscription payments and manage your account.
  • To communicate with you, including responding to inquiries, sending service updates, and, with your consent, providing promotional offers or newsletters.
  • To improve the Site and Services by analyzing usage trends and user feedback.
  • To comply with legal and regulatory obligations, such as tax reporting or anti-money laundering requirements.
  • To protect our rights, property, or safety, and that of our users, including investigating fraud or security issues.

3. Disclosure of Your Information

We do not sell or rent your personal information to third parties. We may disclose your information in the following circumstances:

  • Service Providers: We share data with trusted third-party providers who assist us in delivering the Services, such as payment processors, IT service providers, or analytics platforms (e.g., Google Analytics). These providers are contractually bound to protect your data and use it only for the purposes we specify.
  • Professional Advisors: We may share information with accountants, auditors, or legal advisors to support our business operations or comply with legal obligations.
  • Regulatory Bodies: We may disclose information to government authorities or regulatory bodies, such as the South Africans Taxation Office (ATO) or South Africans Securities and Investments Commission (ASIC), when required by law.
  • With Your Consent: We may share your information for other purposes if you provide explicit consent, such as referring you to a third-party financial advisor.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred. We will notify you of such changes and your options.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, loss, misuse, or alteration. These measures include encryption, secure servers, firewalls, and restricted access to data. However, no online transmission or storage system is completely secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, meet legal or regulatory requirements (e.g., tax record-keeping obligations), or resolve disputes. When no longer needed, we securely delete or anonymize your data.

6. Your Privacy Rights

Under the Privacy Act 1988, you have the following rights regarding your personal information:

  • Access: Request access to the personal information we hold about you.
  • Correction: Request corrections to inaccurate or incomplete data.
  • Deletion: Request deletion of your data, subject to legal or contractual obligations.
  • Restriction: Request that we limit the processing of your data in certain cases.
  • Objection: Object to the processing of your data for direct marketing or other purposes, where applicable.

To exercise these rights, contact our Privacy Officer using the details below. We may require identity verification before processing your request. If you believe we have mishandled your information, you may lodge a complaint with the Office of the South Africans Information Commissioner (OAIC) at www.oaic.gov.au.

7. International Data Transfers

Your data may be transferred to and processed in countries outside South Africa, such as where our service providers operate. We ensure such transfers comply with the APPs, using safeguards like standard contractual clauses or ensuring recipient countries have adequate data protection laws.

8. Third-Party Links

The Site may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these sites. We encourage you to review their privacy policies before providing any personal information.

9. Children’s Privacy

Our Site and Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will take steps to delete it promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or technology. Updates will be posted on this page with a revised "Effective Date." For significant changes, we will notify you via email or a prominent notice on the Site. We encourage you to review this policy regularly.

11. Contact Us

For questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Privacy Officer at:

Email: privacy@caxithivellum.com
Phone: +27730940270
Address: Caxithivellum, 45 Henry St, Lilyfield NSW 2040, South Africa