Privacy Policy
Your privacy matters to us at groupqueltrix
Last updated: March 15, 2025
Introduction and Overview
At groupqueltrix, we understand that your personal information is valuable, and we're committed to protecting it. This Privacy Policy explains how we collect, use, store, and safeguard your data when you visit our website at groupqueltrix.com or use our debt management services. We believe transparency is crucial — you should know exactly what happens to your information when you trust us with it.
This policy applies to all users of our platform, whether you're browsing our educational content, participating in our learning programs, or working with our partner organizations. By using our services, you're agreeing to the practices described in this document. If you have questions about any section, please don't hesitate to contact us.
Information We Collect
We collect information in several ways to provide you with personalized debt management strategies and educational resources. Here's what we gather and why:
Personal Information You Provide
- Contact details including your name, email address, phone number, and mailing address
- Financial information such as income details, debt amounts, and credit history when you request personalized advice
- Account information when you create a profile on our platform
- Communication preferences and feedback you share with us
- Information you provide when participating in our learning programs or webinars
Information We Collect Automatically
- Device information including your IP address, browser type, and operating system
- Usage patterns such as pages visited, time spent on our site, and navigation paths
- Location data (general geographic area, not precise location)
- Cookie data and similar tracking technologies
Important: We never collect sensitive financial information like banking passwords or credit card details unless you're making a payment for our services through our secure payment processor.
How We Use Your Information
Your information helps us provide better debt management services and educational content. We use it thoughtfully and only for legitimate business purposes that benefit you.
- Service Delivery: We use your personal and financial information to create customized debt management strategies, provide educational resources, and deliver the services you've requested.
- Communication: We'll contact you about your account, send educational materials you've subscribed to, and provide updates about our services that might interest you.
- Platform Improvement: Usage data helps us understand how people interact with our website so we can make it more useful and user-friendly.
- Legal Compliance: Sometimes we're required to use or retain information to comply with Australian financial regulations and legal obligations.
- Security: We monitor for suspicious activity and use information to protect our platform and users from fraud or unauthorized access.
Information Sharing and Disclosure
We don't sell your personal information to third parties, and we're selective about when and how we share it. Here are the specific circumstances where sharing might occur:
| Who We Share With | What Information | Why We Share It |
|---|---|---|
| Partner Organizations | Contact details and service preferences | To connect you with relevant financial services and educational opportunities |
| Service Providers | Technical data and account information | For website hosting, email delivery, and payment processing |
| Legal Authorities | Any information as required by law | To comply with legal obligations and court orders |
| Business Successors | All collected information | In case of merger, acquisition, or business transfer |
We require all third parties to maintain the same level of data protection that we do. They can only use your information for the specific purposes we've authorized.
Your Rights and Choices
You have significant control over your personal information. Australian privacy laws give you specific rights, and we make it easy to exercise them.
Access and Correction
You can request to see all the personal information we hold about you. If anything is incorrect or outdated, we'll update it promptly. Simply contact us using the details at the bottom of this page, and we'll respond within 30 days.
Deletion and Portability
You can ask us to delete your personal information, though we might need to retain some records for legal or business purposes. You can also request your data in a portable format if you want to transfer it elsewhere.
Communication Preferences
You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly. You'll still receive important account and service-related messages.
Cookie Management
Your browser settings allow you to control cookies. You can block or delete them, though this might affect how our website functions. We use cookies to remember your preferences and improve your experience.
Data Security and Protection
We take data security seriously and implement multiple layers of protection to keep your information safe. Our security measures include both technical safeguards and organizational policies.
Technical Safeguards
- Encryption of sensitive data both in transit and at rest
- Regular security audits and vulnerability assessments
- Secure hosting with reputable providers who meet Australian standards
- Multi-factor authentication for staff accessing sensitive systems
- Regular software updates and security patches
Organizational Measures
- Staff training on privacy and data protection responsibilities
- Access controls ensuring only authorized personnel can view your information
- Regular policy reviews and updates to maintain best practices
- Incident response procedures for potential data breaches
While we implement strong security measures, no system is completely foolproof. We encourage you to use strong passwords and be cautious about sharing sensitive information online.
Data Retention and Deletion
We don't keep your information forever. Our retention periods are based on legal requirements, business needs, and the type of information involved.
| Information Type | Retention Period | Reason for Retention |
|---|---|---|
| Account Information | Active account plus 7 years | Legal and regulatory requirements |
| Financial Records | 7 years from last interaction | Australian financial regulations |
| Communication Records | 3 years from last contact | Service quality and dispute resolution |
| Website Usage Data | 2 years from collection | Analytics and platform improvement |
| Marketing Data | Until you opt out | Ongoing communication preferences |
After retention periods expire, we securely delete or anonymize your information. If you close your account, we'll begin the deletion process while retaining only what's legally required.
International Data Transfers
Your information is primarily stored and processed in Australia. However, some of our service providers and partners may be located overseas. When we transfer data internationally, we ensure appropriate safeguards are in place.
Transfer Safeguards
- We only work with countries that have adequate privacy protection laws
- Contractual agreements require overseas providers to protect your data
- Regular audits ensure compliance with Australian privacy standards
- Data encryption during all international transfers
Currently, we may transfer limited data to service providers in the United States, United Kingdom, and European Union — all regions with strong privacy protections. You can request specific details about any international transfers that affect your information.
Changes to This Policy
We update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through email or a prominent notice on our website.
Recent Updates: This policy was last updated on March 15, 2025, to clarify our data retention practices and update our international transfer procedures.
We encourage you to review this policy regularly. Your continued use of our services after any updates indicates your acceptance of the revised terms. If you disagree with changes, you can contact us to discuss your concerns or close your account.
Contact Information and Complaints
We're here to help with any privacy-related questions or concerns. Whether you want to exercise your rights, report a problem, or simply understand something better, please don't hesitate to reach out.
Get in Touch
Address: Regional Art Gallery, 64 Wittenoom St, Bunbury WA 6230, Australia
Phone: +61 8 9227 1797
Email: info@groupqueltrix.com
Privacy Officer: Available Monday to Friday, 9:00 AM to 5:00 PM AWST
Making a Complaint
If you're not satisfied with how we've handled your privacy concerns, you can lodge a complaint with the Australian Information Commissioner at oaic.gov.au. We'll work with you to resolve any issues and improve our practices.
We typically respond to privacy inquiries within 5 business days and resolve most issues within 30 days. For complex matters, we'll keep you updated on our progress and expected resolution timeframes.