1. Introduction
Vertial Holdings Pty Ltd (ACN: 629 494 926, ABN: 72 629 494 926) ("we", "us", "our") operates the Stoic Life website and digital products ("Services"). This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Australian Privacy Act 1988 (Cth), including the Australian Privacy Principles (APPs), and the EU General Data Protection Regulation (GDPR) where applicable.
By using our Services, you consent to the collection and use of your information as described in this Privacy Policy.
2. Information We Collect
2.1 Personal Information
We collect the following types of personal information:
- Contact Information: Email address, name (when provided)
- Transaction Information: Payment details (processed securely through third-party payment processors)
- Communication Data: Messages you send us, survey responses, feedback
2.2 Automatically Collected Information
- Usage Data: Pages visited, time spent, links clicked
- Device Information: Browser type, operating system, IP address
- Cookies: Session cookies, analytics cookies, preference cookies
3. How We Use Your Information
We use your personal information for the following purposes:
- To provide and deliver products and services you request
- To send you free resources, product updates, and educational content
- To process transactions and send transaction confirmations
- To respond to your inquiries and provide customer support
- To improve our Services and develop new offerings
- To send marketing communications (with your consent, and with opt-out options)
- To comply with legal obligations and protect our rights
- To detect, prevent, and address technical issues or fraudulent activity
4. Legal Basis for Processing (GDPR)
For users in the EU/EEA, we process your personal data based on:
- Consent: You have given clear consent for us to process your personal data for specific purposes
- Contract: Processing is necessary to fulfill our contract with you
- Legitimate Interests: Processing is necessary for our legitimate interests (e.g., improving our services, marketing)
- Legal Obligation: Processing is necessary to comply with the law
5. Disclosure of Your Information
We may share your personal information with:
- Service Providers: Third-party vendors who assist with email delivery, payment processing, analytics, and hosting
- Business Transfers: In connection with any merger, sale of company assets, or acquisition
- Legal Requirements: When required by law, court order, or government authority
- Protection of Rights: To protect our rights, property, safety, or that of our users
We do not sell, rent, or trade your personal information to third parties for their marketing purposes.
6. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience, analyze usage, and deliver personalized content. You can control cookies through your browser settings, though some features may not function properly if cookies are disabled.
Types of cookies we use:
- Essential Cookies: Required for the website to function
- Analytics Cookies: Help us understand how visitors use our site
- Marketing Cookies: Track your activity to deliver relevant advertisements
7. Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure servers, and regular security assessments.
However, no method of transmission over the internet is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.
8. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.
9. Your Rights and Choices
9.1 Australian Privacy Rights (APPs)
Under Australian privacy law, you have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate or incomplete information
- Request deletion of your personal information in certain circumstances
- Lodge a complaint with the Office of the Australian Information Commissioner (OAIC)
- Opt-out of marketing communications at any time
9.2 GDPR Rights (EU/EEA Users)
If you are in the EU/EEA, you have additional rights:
- Right to Access: Request a copy of your personal data
- Right to Rectification: Correct inaccurate personal data
- Right to Erasure: Request deletion of your personal data ("right to be forgotten")
- Right to Restrict Processing: Limit how we use your data
- Right to Data Portability: Receive your data in a portable format
- Right to Object: Object to processing based on legitimate interests
- Right to Withdraw Consent: Withdraw consent at any time
To exercise any of these rights, please contact us at the details provided in Section 13.
10. International Data Transfers
Your personal information may be transferred to and processed in countries other than your country of residence, including Australia and the United States. These countries may have different data protection laws than your jurisdiction.
Where we transfer personal data internationally, we ensure appropriate safeguards are in place, such as standard contractual clauses approved by the European Commission or other legally valid transfer mechanisms.
11. Children's Privacy
Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated Privacy Policy on our website with a new "Last updated" date.
Your continued use of our Services after such changes constitutes your acceptance of the updated Privacy Policy.
13. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
For Australian users: If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au
For EU/EEA users: You have the right to lodge a complaint with your local supervisory authority.