Privacy Policy

Overview

At seranivoqex, we understand that your financial information is deeply personal. This privacy policy explains how we collect, use, protect, and handle your personal data when you use our weekly budgeting platform and related services.

We're committed to transparency about our data practices and ensuring you have control over your personal information. This policy complies with Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs).

Information We Collect

How We Use Your Information

Your personal information helps us deliver and improve our budgeting services. We use your data to:

• Provide personalized budgeting tools and financial insights
• Process payments and manage your subscription
• Send important service updates and educational content
• Improve our platform based on user feedback and usage patterns
• Protect against fraud and ensure account security
• Comply with legal obligations and regulatory requirements

We never sell your personal financial data to third parties. Any data sharing is limited to trusted service providers who help us operate our platform securely.

Data Storage and Security

We take data security seriously and implement multiple layers of protection:

Your financial data is stored on secure Australian servers and is never transmitted or stored in unencrypted form. We maintain backups of your data to prevent loss, but these are also encrypted and secured.

Your Rights

Under Australian privacy law, you have several important rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to correct any inaccurate or incomplete information
• Deletion: Request deletion of your personal data (subject to legal requirements)
• Portability: Request your data in a portable format
• Restriction: Limit how we process your information in certain circumstances

To exercise these rights, contact us using the details provided below. We'll respond to your request within 30 days and may need to verify your identity for security purposes.

Data Retention

We retain your personal information only as long as necessary to provide our services or as required by law. Generally, we keep:

• Account information for the duration of your subscription plus 7 years (as required by Australian financial record-keeping laws)
• Financial data you input until you delete it or close your account
• Communication records for 3 years for customer service purposes
• Technical logs for up to 2 years for security and performance monitoring

When data is no longer needed, we securely delete or anonymize it. You can request early deletion of your data by contacting us directly.

Third-Party Services

We work with carefully selected third-party services to provide our platform:

• Payment processors for secure transaction handling
• Cloud hosting providers based in Australia
• Analytics tools to understand user behavior (with anonymized data)
• Email service providers for communications

These providers are contractually bound to protect your information and can only use it for the specific services they provide to us. We don't share your personal financial data with marketing companies or advertisers.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience. We use:

• Essential cookies required for basic website functionality
• Performance cookies to understand how users interact with our site
• Preference cookies to remember your settings and choices

You can control cookie preferences through your browser settings. Disabling certain cookies may affect some website features, but won't prevent you from using our core budgeting tools.

Changes to This Policy

We review and update this privacy policy regularly to ensure it reflects our current practices and legal requirements. When we make significant changes, we'll notify you via:

• Email notification to your registered address
• Prominent notice on our website
• In-app notification when you next log in

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