Privacy Policy.

Who we are

This privacy policy applies to Valar Financial Advisors Limited, operated by Lyubov (Lena) Bykova (FSP1010055), trading as Valar Financial Advisors. References to "we", "us", or "Valar" mean Valar Financial Advisors Limited.

We are committed to protecting your personal information in accordance with the New Zealand Privacy Act 2020.

What information we collect

We may collect the following personal information:

• Name and contact details (email address, phone number)
• Information you share when booking a call or sending a message
• Financial background information you choose to provide during consultations
• Website usage data (via cookies and analytics tools)

Why we collect it

We collect personal information to:

• Respond to your enquiries and schedule consultations
• Provide financial advisory services
• Meet our regulatory obligations as a financial adviser (FSP1010055)
• Send relevant updates and insights (only where you have opted in)

How we store and protect your information

Your information is stored securely. We take reasonable steps to protect personal information from loss, unauthorised access, use, or disclosure. We do not sell your personal information to third parties.

Third-party services

We use the following third-party services that may process your personal information:

• Calendly — for scheduling consultations. Calendly's own privacy policy applies to information collected through their booking platform.
• Email service providers — to send confirmations and communications.

Your rights

Under the New Zealand Privacy Act 2020, you have the right to:

• Request access to the personal information we hold about you
• Ask us to correct any information that is inaccurate or incomplete
• Ask us to delete your information (subject to our legal obligations)
• Withdraw consent to marketing communications at any time

Contact us

If you have any questions about this policy or want to exercise your rights, please contact us at lena.bykova@valar.co.nz

If you are not satisfied with our response, you can contact the Office of the Privacy Commissioner at privacy.org.nz.