Who We Are and What This Covers

terratoius operates from 53 Chauvel St, Reservoir VIC 3073, Australia. We provide financial management communication tools and educational resources primarily to Australian businesses and individuals.

This policy covers everything—our website, any forms you fill out, communications with our team, and the services we deliver. If you're interacting with terratoius in any capacity, this applies to you.

Information We Collect

Look, we only collect what we actually need. Here's the breakdown:

Information You Give Us Directly

• Contact details when you reach out or sign up (name, email, phone number)
• Business information if you're using our management tools
• Payment information when you purchase services
• Any messages or feedback you send us
• Learning preferences if you enrol in our educational programs

Information We Collect Automatically

When you visit our site, we gather some technical information to keep things running smoothly and understand how people use our platform. This includes your IP address, browser type, pages you visit, and how long you stick around.

We use standard web technologies—cookies and similar tools. You can disable these in your browser settings, though some features might not work as well.

How We Use Your Information

We're pretty straightforward about this. Your information helps us:

When We Share Information

Sometimes we need to share your information with others to provide our services. But we're careful about it:

Service Providers

We work with trusted companies that help run our platform—payment processors, email services, hosting providers. These partners can only use your information to help us deliver services to you. They're contractually bound to protect your data.

Legal Requirements

If Australian law requires it, we'll disclose information to authorities. We're also required to comply with the Australian Privacy Principles under the Privacy Act 1988.

Business Transfers

If terratoius were ever acquired or merged with another company, your information would transfer as part of that transaction. We'd notify you beforehand.

Your Rights Under Australian Law

Australian privacy law gives you solid control over your personal information. Here's what you can do:

To exercise any of these rights, email us at help@terratoius.com or call +61408088380. We'll respond within a reasonable timeframe—usually within two weeks for straightforward requests.

How We Protect Your Information

Security isn't just a checkbox for us. We take multiple precautions:

• All data transmission uses industry-standard encryption (TLS/SSL)
• Stored data is encrypted at rest using AES-256
• Access to personal information is restricted to employees who need it for their jobs
• We conduct regular security assessments and updates
• Payment information is processed through PCI-DSS compliant providers
• Our systems are monitored for suspicious activity

That said, no system is completely bulletproof. We do our best, but we can't guarantee absolute security. What we can promise is that if there's ever a breach affecting your information, we'll notify you and the relevant authorities as required by law.

Data Retention

We keep your information for as long as you're using our services, plus a reasonable period afterward. The specifics depend on the type of data:

Active Account Data

While your account is active, we maintain all associated information so you can access your history and our services work properly.

After Account Closure

When you close your account, we'll delete most personal information within 90 days. However, some records must be retained for legal or regulatory reasons—typically financial transaction records need to be kept for seven years under Australian tax law.

Marketing Data

If you've only signed up for our newsletter or educational content without creating an account, we'll keep your contact information until you unsubscribe.

International Data Transfers

Your information is primarily stored on servers located in Australia. Some of our service providers operate internationally, which might mean your data is processed outside Australia.

When this happens, we ensure these providers meet Australian privacy standards through contractual agreements. We only work with providers in countries with adequate data protection laws or those certified under recognized international frameworks.

Cookies and Tracking

We use cookies—small files stored on your device—to make our website work better. Here's what they do:

Essential Cookies

These are necessary for the site to function. They remember your login status and basic preferences. You can't turn these off without breaking the site.

Analytics Cookies

These help us understand how visitors use our site—which pages are popular, where people get stuck, how long they stay. We use this information to improve the experience. You can opt out of these through your browser settings.

Third-Party Cookies

Sometimes embedded content from other sites (like educational videos) might set their own cookies. We don't control these, so check those services' privacy policies if you're concerned.

Most browsers let you control cookies through settings. Blocking all cookies might prevent you from using certain features of our site.

Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect information from children. If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it.

Our educational programs are intended for adult learners looking to develop professional skills in financial management.

Changes to This Policy

We'll update this policy occasionally as our practices evolve or laws change. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

Minor updates—like clarifying existing practices or fixing typos—won't trigger notifications, but we'll always update the "Last Updated" date at the top of this page.

Continued use of our services after policy changes means you accept those changes. If you disagree with updates, you can close your account.

Third-Party Links

Our website occasionally links to external sites—educational resources, partner services, industry publications. We're not responsible for the privacy practices of these sites. When you leave our site, you're subject to that site's privacy policy.

We try to link only to reputable sources, but clicking external links is at your own discretion.