Privacy Policy

Information We Collect

thalovenrixa collects various types of information to provide you with our financial forecasting and budgeting services. We gather this information through multiple channels and always ensure compliance with Australian Privacy Principles under the Privacy Act 1988.

• Personal Identification Information: Name, email address, phone number, postal address, and date of birth when you register for our services
• Financial Information: Banking details, income data, expense categories, and budget preferences that you voluntarily provide for our forecasting tools
• Technical Data: IP address, browser type, device information, operating system, and website usage patterns through cookies and analytics
• Communication Records: Customer service interactions, feedback submissions, and support ticket conversations
• Account Activity: Login timestamps, feature usage statistics, and platform interaction data to improve our services

How We Use Your Information

Your personal information serves specific purposes related to delivering and improving our financial planning services. We process your data lawfully and transparently, ensuring every use aligns with the reason you provided it.

We also use aggregated, anonymous data to develop better forecasting models and identify trends that benefit all users. This anonymized information cannot be traced back to individual users and helps us enhance our platform's accuracy and functionality.

Data Sharing and Third Parties

thalovenrixa maintains strict control over your personal information and shares it only when necessary for service delivery or legal compliance. We work with carefully selected partners who meet our privacy and security standards.

• Service Providers: Cloud hosting services, payment processors, and email delivery platforms that support our operations under strict data processing agreements
• Legal Requirements: Australian government agencies, courts, or law enforcement when legally obligated or to protect our rights and user safety
• Business Transfers: In case of merger, acquisition, or asset sale, your data may transfer to the new entity with equivalent privacy protections

We never sell your personal information to advertisers, data brokers, or marketing companies. Any third-party integrations we offer are clearly disclosed, and you maintain control over these connections through your account settings.

Your Privacy Rights

Under Australian privacy law, you have significant rights regarding your personal information. thalovenrixa provides easy mechanisms to exercise these rights and responds to all requests within the required timeframes.

• Access Right: Request a copy of all personal information we hold about you, including how it's being used and who has access
• Correction Right: Update or correct any inaccurate or incomplete personal information in your account
• Deletion Right: Request deletion of your personal data, subject to legal and business requirements
• Restriction Right: Limit how we process your information while maintaining your account access
• Portability Right: Receive your data in a structured, machine-readable format for transfer to another service
• Objection Right: Opt out of certain data processing activities, particularly for marketing purposes

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security framework combines technical, administrative, and physical safeguards.

• Encryption: All data transmissions use TLS encryption, and sensitive data is encrypted at rest using industry-standard AES-256 encryption
• Access Controls: Strict employee access policies with multi-factor authentication and regular access reviews
• Infrastructure Security: Secure cloud hosting with regular security audits, penetration testing, and vulnerability assessments
• Monitoring: Continuous monitoring for suspicious activities and automated threat detection systems
• Backup and Recovery: Regular encrypted backups with tested disaster recovery procedures

In the unlikely event of a data breach affecting your personal information, we'll notify you and relevant authorities within 72 hours, along with details about the incident and steps we're taking to address it.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected and to comply with legal obligations. Different types of data have different retention periods based on their purpose and legal requirements.

When you close your account, we begin the deletion process immediately for non-essential data. Some information may be retained longer for legal compliance, but we'll anonymize it where possible to remove personal identifiers.

International Data Transfers

While thalovenrixa primarily operates within Australia, some of our service providers may process data internationally. We ensure all international transfers meet Australian privacy law requirements and provide adequate protection for your information.

• Safeguards: All international transfers are protected by appropriate safeguards such as standard contractual clauses or adequacy decisions
• Provider Vetting: We thoroughly assess international providers' privacy practices and security measures before engagement
• Data Minimization: Only necessary data is transferred internationally, with regular reviews to minimize cross-border data flows

You can request details about specific international transfers affecting your data by contacting our privacy team.

Cookies and Tracking Technologies

thalovenrixa uses cookies and similar technologies to enhance your experience, analyze usage patterns, and improve our services. We provide clear information about our cookie practices and give you control over non-essential cookies.

• Essential Cookies: Required for basic website functionality, user authentication, and security features
• Analytics Cookies: Help us understand how users interact with our platform to improve features and performance
• Preference Cookies: Remember your settings and customization choices for a personalized experience

You can manage your cookie preferences through your browser settings or our cookie preference center. Disabling certain cookies may affect some website functionality, but won't prevent you from using core features.

Children's Privacy

thalovenrixa's services are designed for adults and we don't knowingly collect personal information from children under 18 years old. If we discover that we've collected information from a child without proper parental consent, we'll delete it promptly.

Parents who believe their child has provided personal information to thalovenrixa should contact us immediately so we can remove the information and terminate any associated accounts.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. We'll notify users of significant changes through email or prominent website notices at least 30 days before implementation.

The current version is always available on our website with clear indication of the last update date. Continued use of our services after policy changes constitutes acceptance of the updated terms.

Complaints and Disputes

If you have concerns about how thalovenrixa handles your personal information, we encourage you to contact us first so we can address your concerns directly. We take all privacy complaints seriously and investigate them thoroughly.

• Internal Process: We'll acknowledge your complaint within 5 business days and provide a response within 30 days
• External Options: You can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) if unsatisfied with our response
• Documentation: We maintain records of all privacy complaints and our responses for continuous improvement