Information We Collect

We collect information you provide directly to us when using xymaraqovex's budget compliance services. This happens when you create an account, use our financial planning tools, or contact our support team.

We also automatically collect certain information through cookies and similar technologies. This helps us understand how our services are being used and where we can make improvements.

How We Use Your Information

Your information helps us provide better budget compliance services tailored to your needs. We use this data to operate our platform, process your transactions, and keep your account secure.

We also use your information to send important updates about your account, new features that might help your financial planning, and occasional educational content about budget management. You can opt out of marketing communications anytime.

Sometimes we combine information from different sources to give you a more complete picture of your budget compliance. This might include connecting your spending patterns with budget goals you've set.

Information Sharing and Disclosure

We share your information only when necessary to provide our services or when required by law. This includes working with trusted service providers who help us operate our platform securely.

Our service providers include cloud hosting companies, payment processors, and customer support tools. These partners are contractually bound to protect your information and can only use it for specific purposes we've authorised.

We may disclose information if we believe it's necessary to comply with legal obligations, protect our rights, or ensure the safety of our users. In business transactions like mergers, your information may be transferred, but you'll be notified beforehand.

We don't share your personal information with advertisers or marketing companies. Any analytics we conduct uses aggregated, anonymised data that can't be traced back to individual users.

Your Rights and Choices

Under Australian privacy laws, you have several important rights regarding your personal information. We've made it straightforward to exercise these rights through your account settings or by contacting us directly.

To exercise any of these rights, log into your account settings or email our privacy team. We'll respond promptly and guide you through the process. Some requests may take up to 30 days to complete, depending on complexity.

Data Security and Protection

We take protecting your financial information seriously. Our security measures include encryption, secure servers, and regular security audits to prevent unauthorised access to your data.

All sensitive information is encrypted both when stored on our servers and when transmitted between your device and our platform. We use industry-standard encryption protocols and regularly update our security practices.

Our team receives regular security training, and we limit access to personal information to employees who need it for their job functions. We also monitor our systems for unusual activity and have incident response procedures in place.

While we implement strong security measures, no system is completely foolproof. We recommend using strong passwords and keeping your account information confidential to help protect your privacy.

Data Retention and International Transfers

We keep your information only as long as necessary to provide our services and meet legal requirements. Account information is typically retained for seven years after account closure for compliance purposes.

Some of our service providers are located outside Australia, including cloud storage providers in the United States and Europe. When we transfer data internationally, we ensure these providers meet Australian privacy standards.

We have data processing agreements with all international service providers that require them to protect your information according to Australian privacy laws. You can request details about specific international transfers by contacting us.

If you close your account, we'll delete your personal information according to our retention schedule, keeping only what's required for legal or regulatory compliance.

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience on our platform. These help us remember your preferences, keep you logged in securely, and understand how our services are being used.

Essential cookies are necessary for basic platform functionality and can't be disabled. Analytics cookies help us understand user behaviour and improve our services, while preference cookies remember your settings and customisations.

You can manage cookie preferences through your browser settings, though disabling certain cookies may affect platform functionality. We don't use cookies for advertising or share cookie data with third parties for marketing purposes.

Our platform also collects basic usage analytics to help us identify technical issues and improve user experience. This data is anonymised and aggregated before analysis.

Children's Privacy

Our services are designed for adults managing their financial compliance. We don't knowingly collect personal information from children under 16 without parental consent.

If we become aware that we've collected information from a child without proper consent, we'll delete that information promptly. Parents or guardians can contact us if they believe their child has provided information to us.

For family budget planning that includes information about dependants, we collect only necessary information and treat it with the same privacy protections as adult user data.

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 via email or through a prominent notice on our platform.

Minor updates, like clarifying existing practices or updating contact information, may be made without specific notification. We recommend reviewing this policy periodically to stay informed about how we protect your privacy.

Continued use of our services after policy updates indicates acceptance of the revised terms. If you disagree with changes, you can close your account or contact us to discuss your concerns.