Privacy Policy

Information We Collect

We collect different types of information depending on how you interact with our services. Some information you provide directly, while other data is gathered automatically as you use our platform.

Personal Information You Provide

• Name, email address, and phone number when you create an account
• Billing address and payment information for subscription services
• Financial data you input for budgeting purposes (income, expenses, savings goals)
• Communication preferences and feedback you share with us
• Any other information you voluntarily provide through forms or customer support

Information Collected Automatically

• Device information (browser type, operating system, device identifiers)
• Usage data (pages visited, features used, time spent on platform)
• IP address and general location information
• Cookies and similar tracking technologies (see our Cookie Policy)

How We Use Your Information

Your data helps us provide and improve our budgeting services. Here's what we do with the information we collect:

We process your financial data solely to provide budgeting services. Your budget information remains private and is never used for marketing purposes or shared with third parties for their commercial gain.

Data Storage and Security

We take data security seriously. Your information is stored on secure servers located in Australia, with backup systems to prevent data loss.

Financial data you enter is encrypted both in transit and at rest. We use secure payment processors that comply with PCI DSS standards for handling payment information. Your credit card details are never stored on our servers.

While we implement strong security measures, no system is completely immune to breaches. In the unlikely event of a data security incident affecting your information, we'll notify you promptly as required by Australian law.

Sharing Your Information

We don't sell your personal information to anyone. That's not our business model, and it never will be.

When We Share Data

There are limited situations where we share your information with third parties:

• Service Providers: We work with companies that help us operate our platform (hosting, payment processing, customer support tools). These providers can only use your data to perform services for us and must protect it according to our standards.
• Legal Requirements: We may disclose information if required by Australian law, court order, or government request.
• Business Transfers: If xenolivaras is acquired or merged with another company, your information may transfer to the new entity, though the same privacy protections would apply.
• With Your Consent: We'll share your information for other purposes only with your explicit permission.

Our service providers are carefully vetted and contractually obligated to maintain confidentiality. We only share the minimum information necessary for them to perform their specific functions.

Your Privacy Rights

Australian privacy law gives you control over your personal information. You have several rights regarding the data we hold about you.

How to Exercise Your Rights

To exercise any of these rights, contact us using the details at the bottom of this page. We'll respond within 30 days. You'll need to verify your identity before we process your request to protect your information.

If you're not satisfied with how we handle your privacy concerns, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Data Retention

We keep your information only as long as necessary to provide our services and comply with legal obligations.

• Active Accounts: Your data remains on our systems while your account is active.
• Closed Accounts: After you close your account, we retain certain information for up to 7 years to meet financial record-keeping requirements under Australian law.
• Marketing Data: If you've opted into marketing communications, we keep your contact preferences until you unsubscribe.
• Usage Logs: Technical logs are typically retained for 12 months for security and troubleshooting purposes.

You can request earlier deletion of your data, though we may need to retain some information to comply with legal obligations or resolve disputes.

Cookies and Tracking

We use cookies and similar technologies to make our platform work properly and understand how you use it.

Types of Cookies We Use

• Essential Cookies: Required for the platform to function (login, security, load balancing)
• Functional Cookies: Remember your preferences and settings
• Analytics Cookies: Help us understand usage patterns to improve the service

You can control cookies through your browser settings. Blocking certain cookies may affect how well the platform works for you. We don't use third-party advertising cookies on our platform.

Children's Privacy

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

International Data Transfers

Your data is primarily stored and processed in Australia. If we need to transfer information overseas (for example, to a service provider), we ensure appropriate safeguards are in place to protect your information according to Australian privacy standards.

Any international transfers comply with the Australian Privacy Principles, including requirements for adequate data protection in the receiving country or contractual protections.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our platform.

The "Last Updated" date at the top shows when this policy was most recently revised. We encourage you to review this policy periodically to stay informed about how we protect your information.