Information We Collect

Personal Information You Provide

When you create an account or use our finance tools, we collect information you directly share with us. This includes your name, email address, phone number, and postal address. For certain tools, we might ask for employment details or income information to provide accurate financial calculations.

• Contact details like email and phone number for account management
• Financial information needed for specific calculator functions
• Payment details if you subscribe to premium features
• Communications when you reach out to our support team

Automatically Collected Data

Our systems gather technical information about how you interact with our platform. This helps us improve functionality and spot potential security issues before they become problems.

How We Use Your Information

Your data powers the personalized experience we provide. We use it to deliver accurate financial calculations, send relevant updates about your account, and continuously refine our tools based on aggregated usage patterns.

Specifically, we process your information to provide core services like budget tracking, loan calculations, and savings projections. We also use it to communicate important account updates, security alerts, and occasionally inform you about new features that match your usage patterns.

Legal and Security Purposes

Sometimes we're required to use or disclose information to comply with Australian law, respond to valid legal processes, or protect the safety and security of our users. We'll always limit these disclosures to what's legally necessary.

Information Sharing and Disclosure

We work with carefully selected service providers who help us operate our platform. These include cloud hosting services, payment processors, and analytics tools. Each partner is bound by strict confidentiality agreements and can only access the minimum data needed for their specific function.

• Cloud infrastructure providers for secure data storage within Australia
• Payment processors for handling subscription transactions
• Email service providers for account notifications
• Analytics platforms using aggregated, non-identifiable data

If arlenneuarovi undergoes a merger, acquisition, or sale of assets, your information may be transferred to the new entity. You'll receive notice before this happens, and the new owner will be bound by this privacy policy until they provide their own notice of changes.

Your Privacy Rights Under Australian Law

Australian privacy legislation gives you significant control over your personal information. You can exercise these rights at any time by contacting us through the details provided at the end of this policy.

Access and Correction

You have the right to request a copy of the personal information we hold about you. We'll provide this in a structured, commonly used format within 30 days. If you spot any inaccuracies, you can request corrections, and we'll update our records promptly.

Data Portability and Deletion

You can export your data from our platform whenever you want. If you decide to close your account, you can request complete deletion of your information. We'll remove everything except what we're legally required to retain for taxation or compliance purposes.

Marketing Communications

You control whether you receive marketing emails from us. Unsubscribe links appear in every promotional message, or you can manage preferences in your account settings. You'll still receive essential service notifications like security alerts or changes to our terms.

Data Security Measures

We take security seriously because financial data deserves the highest level of protection. Our systems use industry-standard encryption both when data moves across the internet and when it's stored on our servers.

All data is hosted within Australian data centers that maintain ISO 27001 certification. Access to personal information is restricted to authorized personnel who need it for their job functions. We conduct regular security audits and promptly apply software updates to address vulnerabilities.

• 256-bit SSL encryption for all data transmission
• Encrypted database storage with regular backup procedures
• Multi-factor authentication options for user accounts
• Continuous monitoring for suspicious activity patterns
• Annual third-party security assessments

Despite our precautions, no online system is completely invulnerable. If we detect a data breach affecting your information, we'll notify you within 72 hours and outline the steps we're taking to address the situation.

Cookies and Tracking Technologies

Our website uses cookies to remember your preferences and keep you logged in between visits. These small text files stored on your device help us understand which features get used most often, allowing us to prioritize improvements that matter.

Types of Cookies We Use

Essential cookies keep the site functioning properly. They remember your login status and security settings. We also use analytical cookies to measure site performance and understand user behavior patterns in aggregate form.

You can disable cookies through your browser settings, though this might limit certain features. Most browsers accept cookies by default, so you'll need to actively change this if you prefer not to use them.

Data Retention Practices

We keep your information only as long as necessary to provide our services and meet legal obligations. Active account data is retained while your account remains open. After you close an account, we delete most personal information within 90 days.

Some records must be kept longer to comply with Australian tax law and financial regulations. These include transaction records and certain account details, which we maintain for seven years as required by the Australian Taxation Office. Once the retention period expires, we securely delete this information.

Aggregated, anonymized data that can't identify you personally might be retained indefinitely for statistical analysis and service improvement.

Children's Privacy

Our services are designed for adults managing their finances. We don't knowingly collect information from anyone under 18 years old. If you're a parent who discovers their child has provided us with personal information, please contact us immediately so we can delete it from our systems.

International Data Transfers

While we primarily store data within Australia, some service providers we work with operate internationally. When information moves overseas, we ensure adequate protections are in place through contractual guarantees and compliance with cross-border data transfer requirements under Australian privacy law.

Any international transfers comply with Australian Privacy Principle 8, which regulates cross-border disclosure of personal information. We assess the privacy standards of destination countries before approving transfers.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email and display a prominent notice on our website for at least 30 days.

The "Last Updated" date at the top of this page shows when the most recent changes took effect. Continuing to use our services after updates are posted means you accept the revised policy.

Complaints and Dispute Resolution

If you believe we've mishandled your personal information or violated your privacy rights, please contact our privacy officer first. We take complaints seriously and will investigate thoroughly, responding within 30 days.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They can investigate privacy complaints and provide independent resolution.