Information We Collect

When you use our budget forecasting tools, we collect different types of information to provide you with accurate financial insights and personalized service.

Personal Information You Provide

You might give us details directly when signing up or using our services. This includes your name, email address, phone number, and business details if you're registering as a company. We also collect financial data you input into our forecasting tools - things like income figures, expense categories, and budget goals.

Information Collected Automatically

Our systems log certain technical information when you interact with our platform. We track IP addresses, browser types, device information, and how you navigate through our site. This helps us spot technical issues and improve the user experience.

• Device identifiers and operating system details
• Pages visited and features accessed within our platform
• Time spent on different sections of the site
• Error logs and performance metrics

How We Use Your Information

Your data serves specific purposes that directly benefit your experience with torivalenqos. We're not in the business of collecting information just for the sake of it.

Service Delivery and Improvement

The financial data you enter powers our forecasting algorithms. We analyze patterns in your budget information to generate predictions and insights. Without this data, our tools simply wouldn't work. We also use aggregated usage data to refine our algorithms and add features that users actually need.

Communication and Support

We'll use your contact details to send important account notifications, respond to support requests, and occasionally share updates about new features. You can opt out of promotional emails anytime, but we'll still need to send critical account-related messages.

Data Storage and Security

Your financial information deserves serious protection. We've implemented multiple layers of security to keep your data safe from unauthorized access.

Where Your Data Lives

All data is stored on servers located in Australia, managed by certified data center providers. These facilities maintain physical security measures including restricted access, surveillance systems, and environmental controls. Your data doesn't leave Australian borders unless you specifically request international access features.

Technical Protections

• End-to-end encryption for data transmission using TLS 1.3 protocols
• AES-256 encryption for data at rest in our databases
• Regular security audits conducted by independent third parties
• Multi-factor authentication options for account access
• Automated backup systems with encrypted storage

Despite these measures, no system is completely bulletproof. We can't guarantee absolute security, but we take every reasonable precaution and continuously monitor for potential threats.

Your Rights Under Australian Privacy Law

The Australian Privacy Principles give you specific rights regarding your personal information. We comply with the Privacy Act 1988 and take these obligations seriously.

We'll respond to access and correction requests within 30 days. For deletion requests, we'll process them within 14 days, though some information may be retained for legal compliance purposes.

Data Retention Periods

We don't keep your information forever. Different types of data have different retention schedules based on legal requirements and practical necessity.

Active Account Data

While your account remains active, we retain all your budget forecasts, historical data, and account information. This allows you to access past forecasts and track long-term financial trends.

After Account Closure

When you close your account, we keep basic information for 7 years to comply with Australian taxation and financial record-keeping requirements. This includes transaction history and account details. Your detailed budget forecasts and personal financial data are deleted within 90 days of account closure.

Some anonymized data may be retained indefinitely for statistical analysis and service improvement purposes. This data cannot be linked back to you individually.

Third-Party Services and Data Sharing

We work with select service providers to deliver our platform. These partnerships are necessary for operations but are governed by strict data handling agreements.

Service Providers We Use

• Cloud hosting providers for infrastructure and data storage
• Email service providers for account notifications and support communications
• Payment processors for handling subscription payments (we don't store credit card details)
• Analytics tools to understand how users interact with our platform

These providers only access the minimum data necessary to perform their specific functions. They're contractually prohibited from using your information for any other purpose.

When We Must Share Data

Sometimes we're legally required to disclose information. This happens when we receive valid court orders, subpoenas, or other legal demands from Australian law enforcement or regulatory agencies. We'll notify you about such requests unless legally prohibited from doing so.

Cookies and Tracking Technologies

Like most websites, we use cookies and similar technologies. These small data files help us remember your preferences and understand how you use our service.

Essential Cookies

Some cookies are absolutely necessary for the platform to function. These handle things like keeping you logged in, remembering your session, and maintaining security. You can't opt out of these without losing basic functionality.

Analytics and Performance Cookies

We use analytics cookies to see which features get used most, where users encounter problems, and how we can make the experience better. These cookies don't identify you personally but do track usage patterns. You can disable these through your browser settings or our cookie preferences panel.

Children's Privacy

Our services aren't designed for anyone under 18 years old. 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 immediately and we'll delete it.

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 and display a notice on our platform for at least 30 days.

The "Last Updated" date at the top of this page shows when the most recent changes were made. We encourage you to review this policy periodically, especially if you're concerned about how your information is handled.