Privacy Policy
Your privacy matters to us. This policy explains how tarvanquilos collects, uses, and protects your personal information when you use our budgeting platform.
Information We Collect
tarvanquilos collects information to provide you with personalized budgeting tools and improve our services. We gather data through various means when you interact with our platform.
Personal Information
- Name and contact details including email address and phone number
- Account credentials and authentication information
- Financial institution names and account types (we never store login credentials)
- Income and expense categories you create within our platform
- Budget goals and financial targets you set
- Communication preferences and notification settings
Usage and Technical Data
We automatically collect certain technical information to ensure our platform works smoothly and securely. This includes device information, browser type, IP address, and how you navigate through our budgeting tools. We also track which features you use most frequently to improve user experience.
How We Use Your Information
Your information helps us deliver a personalized budgeting experience tailored to your financial goals. We process this data to maintain and improve our services while keeping your information secure.
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Platform functionality and budgeting tools | Account information, financial categories, budget goals | Contract performance |
| Customer support and communication | Contact details, account information, support history | Legitimate interest |
| Service improvement and analytics | Usage patterns, feature interactions, technical data | Legitimate interest |
| Security and fraud prevention | Login patterns, device information, IP addresses | Legitimate interest |
Information Sharing and Disclosure
We maintain strict controls over who can access your personal information. tarvanquilos does not sell your personal data to third parties for marketing purposes.
Service Providers
We work with carefully selected service providers who help us operate our platform. These include cloud hosting services, payment processors, and customer support tools. All service providers are bound by strict contractual obligations to protect your information and can only use it for the specific services they provide to tarvanquilos.
Legal Requirements
We may disclose your information when required by Australian law, court orders, or regulatory requirements. This includes compliance with financial services regulations, tax obligations, or legitimate law enforcement requests. We'll notify you of such disclosures when legally permitted.
We never share your detailed financial data or budget information with third parties for marketing purposes. Your financial privacy is fundamental to our service.
Your Rights and Choices
Under Australian privacy legislation, you have significant control over your personal information. We've designed our systems to make exercising these rights straightforward.
- Access your personal information and download a copy of your data
- Correct inaccurate or incomplete information in your account
- Delete your account and associated data (subject to legal retention requirements)
- Restrict processing of your information for specific purposes
- Object to processing based on legitimate interests
- Update your communication preferences and notification settings
- Withdraw consent for optional data processing activities
How to Exercise Your Rights
Most privacy controls are available directly through your account settings. For more complex requests or if you need assistance, contact our privacy team using the details provided below. We'll respond to your request within 30 days and may need to verify your identity to protect your information.
Data Security and Protection
Protecting your financial information is our top priority. We employ multiple layers of security measures designed to safeguard your data from unauthorized access, alteration, or disclosure.
Technical Safeguards
- Industry-standard encryption for data transmission and storage
- Regular security audits and penetration testing
- Multi-factor authentication options for account access
- Automated monitoring for suspicious activities
- Secure data centers with physical access controls
- Regular software updates and security patches
Organizational Measures
Our team receives regular privacy and security training. Access to personal information is restricted on a need-to-know basis, and all staff members sign confidentiality agreements. We maintain detailed incident response procedures and will notify you of any data breaches that may affect your personal information.
Data Retention and Deletion
We retain your information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods based on their purpose and legal requirements.
| Data Type | Retention Period | Reason |
|---|---|---|
| Account and profile information | Duration of account plus 7 years | Australian financial record keeping requirements |
| Budget and transaction categories | Duration of account plus 2 years | Service provision and support |
| Usage analytics and logs | 2 years from collection | Service improvement and security |
| Communication records | 3 years from last contact | Customer support and dispute resolution |
When you delete your account, we begin the data deletion process immediately. However, some information may be retained in backup systems for up to 90 days before complete removal. We maintain anonymous, aggregated statistics indefinitely for service improvement purposes.
International Data Transfers
tarvanquilos primarily stores and processes your information within Australia using local data centers. However, some of our service providers may process data internationally as part of providing services to us.
Safeguards for International Transfers
When we transfer data internationally, we ensure appropriate safeguards are in place. This includes using service providers in countries with adequate privacy protections as recognized by Australian authorities, or implementing additional contractual protections such as standard contractual clauses.
Children's Privacy
tarvanquilos's budgeting platform is designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18. If we discover that we have inadvertently collected information from someone under 18, we will delete that information promptly.
Parents or guardians who believe their child may have provided us with personal information should contact us immediately using the details provided below.
Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or service offerings. When we make significant changes, we'll notify you through your registered email address or through prominent notices on our platform.
We encourage you to review this policy regularly to stay informed about how we protect your information. The date at the top of this policy indicates when it was last updated.
Australian Privacy Laws
This privacy policy is designed to comply with the Australian Privacy Principles under the Privacy Act 1988 (Cth). As an Australian company, tarvanquilos is committed to meeting all obligations under Australian privacy legislation.
Complaints Process
If you have concerns about how we handle your personal information, please contact us first using the details below. We take all privacy complaints seriously and will investigate thoroughly. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
Contact Us About Privacy
For questions about this privacy policy or to exercise your privacy rights:
Email: info@tarvanquilos.com
Phone: +61249540022
Address: 19 Aberdeen St, Perth WA 6000, Australia
We aim to respond to all privacy inquiries within 5 business days.