Privacy Policy

1. Introduction

Riverstone Budget Solutions ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website sagastored.com or use our services.

By using our website or services, you consent to the data practices described in this policy.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

• Name and contact details (email, phone, address)
• Financial information (income, expenses, debt details)
• Demographic information (age, occupation)
• Communication preferences
• Service usage data and preferences

2.2 Technical Information

We automatically collect certain information when you visit our website:

• IP address and browser information
• Device type and operating system
• Pages visited and time spent on site
• Referring website information
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information for the following purposes:

• Providing financial consulting and budget planning services
• Personalizing your experience and service recommendations
• Communicating about our services and appointments
• Processing payments and managing accounts
• Improving our website and services
• Complying with legal and regulatory requirements
• Marketing our services (with your consent)

4. Legal Basis for Processing

Under Australian Privacy Principles and GDPR, we process your personal information based on:

• Consent: When you provide explicit consent for marketing communications
• Contract: To fulfill our service agreements with you
• Legitimate Interest: For business operations and service improvement
• Legal Obligation: To comply with Australian financial regulations

5. Information Sharing and Disclosure

We do not sell your personal information. We may share your information with:

5.1 Service Providers

• IT support and website hosting services
• Payment processing companies
• Professional advisors (lawyers, accountants)
• Marketing and communication platforms

5.2 Legal Requirements

We may disclose information when required by:

• Australian law or court orders
• ASIC or other regulatory authorities
• Law enforcement agencies
• Legal proceedings or investigations

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and advertisements
• Improve website functionality and user experience

6.1 Types of Cookies

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand user behavior
• Marketing Cookies: Used for targeted advertising
• Preference Cookies: Remember your choices and settings

You can manage cookie preferences through your browser settings or our cookie consent tool.

7. Data Security

We implement appropriate security measures to protect your information:

• SSL encryption for data transmission
• Secure servers and databases
• Access controls and staff training
• Regular security assessments
• Incident response procedures

While we strive to protect your information, no system is completely secure. We cannot guarantee absolute security of your data.

8. Data Retention

We retain your personal information for as long as necessary to:

• Provide ongoing services
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain business records

8.1 Retention Periods

• Client Records: 7 years after service completion
• Financial Data: 7 years as per Australian tax law
• Marketing Data: Until consent is withdrawn
• Website Analytics: 26 months

9. Your Rights

Under Australian Privacy Act and GDPR, you have the right to:

• Access: Request copies of your personal information
• Correction: Update inaccurate or incomplete data
• Deletion: Request removal of your personal information
• Restriction: Limit how we process your data
• Portability: Receive your data in a portable format
• Objection: Object to certain types of processing
• Withdraw Consent: Revoke previously given consent

To exercise these rights, contact us at support@sagastored.com. We will respond within 30 days.

10. International Data Transfers

Your information may be transferred to and processed in countries other than Australia. When we transfer data internationally, we ensure:

• Adequate protection through approved mechanisms
• Standard contractual clauses with service providers
• Compliance with applicable data protection laws
• Appropriate safeguards are in place

11. Children's Privacy

Our 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 we have collected information from a child, we will take steps to delete it promptly.

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies before providing any personal information.

13. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will:

• Post the updated policy on our website
• Update the "Last updated" date
• Notify you of significant changes via email
• Obtain new consent where required by law

14. Contact Information

If you have questions about this Privacy Policy or our data practices, please contact us:

15. Complaints

If you believe we have not handled your personal information in accordance with this policy, you can lodge a complaint with:

• Office of the Australian Information Commissioner (OAIC)
  Website: www.oaic.gov.au
  Phone: 1300 363 992
• For EU residents - Your local Data Protection Authority
  Find your local authority at: edpb.europa.eu