Privacy Policy

Information We Collect

When you work with us on budget preparation, we need certain information to provide you with quality service. Here's what we gather and why it matters.

Personal Information You Provide

You give us this information directly when you sign up or use our services:

• Your name, email address, and phone number for account creation and communication
• Billing address and payment details when you purchase our services
• Financial data you share with us for budget analysis and planning
• Communication preferences and service feedback

Information We Collect Automatically

Our systems gather some technical information to keep things running smoothly:

• Device information including browser type, operating system, and IP address
• Usage patterns showing which features you access most often
• Session data including login times and activity duration
• Cookie data that helps us remember your preferences

How We Use Your Information

Every piece of data we collect serves a specific purpose. We don't collect things just because we can.

Your Privacy Rights Under Australian Law

The Privacy Act 1988 gives you specific rights about your personal information. We respect these rights and make it straightforward for you to exercise them.

Data Security Measures

Protecting your financial information isn't something we take lightly. We've implemented multiple layers of security to keep your data safe.

Technical Safeguards

• Industry-standard encryption for data transmission and storage
• Secure servers located in Australian data centers with physical security
• Regular security audits and vulnerability assessments
• Multi-factor authentication for account access
• Automated backup systems with encrypted storage

Administrative Protections

• Staff access to your data is limited strictly to those who need it for service delivery
• Regular privacy and security training for all team members
• Confidentiality agreements with all employees and contractors
• Clear data handling protocols and incident response procedures

Despite our best efforts, no system is completely immune to security breaches. If we experience a data breach that affects your information, we'll notify you and the Office of the Australian Information Commissioner as required by law.

Data Sharing and Third Parties

We don't sell your personal information to anyone. Period. However, we do work with certain trusted partners to deliver our services.

Service Providers We Work With

These companies help us operate our business but only access your data to perform specific functions:

• Payment processors for handling transactions securely
• Cloud hosting providers for data storage and system operations
• Email service providers for sending communications you've requested
• Analytics tools that help us understand how people use our service

All third-party providers are carefully vetted and bound by contracts that require them to protect your information according to Australian privacy standards.

When We Must Share Information

Sometimes we're legally required to disclose information:

• Court orders or legal processes that compel disclosure
• Requests from law enforcement or regulatory authorities
• Situations where disclosure is necessary to prevent harm
• Business transfers if yorlatenqiva is acquired or merged with another company

Data Retention

We keep your information only as long as necessary for the purposes we collected it.

Active Account Data

While your account is active, we maintain your personal and financial information to provide ongoing service and support.

After Account Closure

When you close your account, we'll delete most of your personal data within 90 days. However, some information must be retained longer:

• Transaction records for seven years as required by Australian tax law
• Communication logs for dispute resolution purposes
• Aggregated, anonymized data used for service improvement

If you want specific data deleted sooner, contact us and we'll accommodate your request where legally possible.

Cookies and Tracking Technologies

Our website uses cookies to improve your experience and help us understand how people interact with our service.

Types of Cookies We Use

• Essential Cookies: Required for basic site functionality like login and security
• Preference Cookies: Remember your settings and choices
• Analytics Cookies: Help us understand usage patterns and improve our service
• Security Cookies: Detect and prevent fraudulent activity

You can control cookies through your browser settings. Disabling certain cookies might limit some functionality, but essential features will still work.

Children's Privacy

Our services are designed for adults managing their personal or household budgets. We don't knowingly collect information from children under 18 without parental consent. If you believe we've inadvertently collected information from a minor, please contact us immediately so we can remove it.

International Data Transfers

Your data is primarily stored on servers located in Australia. If we need to transfer data internationally for specific service needs, we ensure:

• The receiving country has adequate privacy protections recognized under Australian law
• Contractual safeguards are in place requiring equivalent data protection
• You're informed about the transfer and its purposes

Changes to This Policy

We review and update this policy periodically as our services evolve or regulations change. When we make significant changes, we'll notify you by email and update the "Last Updated" date at the top of this page.

Continuing to use our services after policy changes means you accept the updated terms. If you disagree with changes, you can close your account before they take effect.

Complaints and Disputes

If you're concerned about how we've handled your personal information, we want to hear from you.

Our Complaint Process

• Contact us directly using the details below with a description of your concern
• We'll acknowledge your complaint within 7 days
• We'll investigate thoroughly and respond within 30 days
• If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner