Privacy Policy
Your privacy matters to us. This policy explains how pavenoriqelo handles your personal information.
Last updated: March 15, 2025
Information We Collect
When you use our financial record management services, we collect various types of information to provide you with personalized and secure financial tracking. This includes personal identification details, financial account information, and transaction data that you choose to input into our platform.
We also automatically collect technical information about your device and how you interact with our services. This helps us improve functionality and maintain security standards that protect your financial data.
| Information Type | Purpose | Retention Period |
|---|---|---|
| Personal Details | Account creation and verification | Duration of account plus 7 years |
| Financial Records | Service provision and analysis | As legally required (7-10 years) |
| Usage Analytics | Platform improvement | 2 years from collection |
| Communication Records | Customer support and compliance | 3 years from last contact |
How We Use Your Information
Your information serves multiple purposes within our platform. We process your data to deliver the financial management tools you've requested, generate insights about your spending patterns, and ensure compliance with Australian financial regulations.
Primary Uses: We use your information primarily to maintain your financial records, process transactions, generate reports, and provide customer support. This processing is necessary for the services you've contracted with us.
- Creating and maintaining your secure financial dashboard
- Processing and categorizing your financial transactions
- Generating monthly and annual financial reports
- Providing customer support and technical assistance
- Detecting and preventing fraudulent activities
- Complying with Australian taxation and financial reporting requirements
- Improving our services through anonymized usage analysis
Information Sharing and Disclosure
We maintain strict controls over who can access your personal financial information. Under normal circumstances, we do not sell, trade, or rent your personal information to third parties. However, there are specific situations where disclosure may be necessary or required by law.
When we do share information, it's typically with trusted service providers who help us operate our platform, such as secure cloud storage providers or payment processors. These partners are bound by confidentiality agreements and can only use your information for the specific services they provide to us.
Legal Disclosure: We may disclose your information when required by Australian law, court orders, or regulatory authorities. This includes compliance with Australian Taxation Office requirements and financial crime prevention measures.
Your Privacy Rights Under Australian Law
Under the Australian Privacy Principles (APPs) within the Privacy Act 1988, you have specific rights regarding your personal information. We're committed to honoring these rights and making it straightforward for you to exercise them.
Access Your Information
Request a copy of all personal information we hold about you. We'll provide this within 30 days of your request, subject to identity verification.
Correct Your Information
Update or correct any inaccurate personal information in your account. You can make many changes directly through your dashboard.
Delete Your Information
Request deletion of your personal information, subject to legal retention requirements for financial records.
Data Portability
Export your financial data in standard formats to transfer to other service providers when technically feasible.
To exercise any of these rights, contact our privacy officer using the details provided at the bottom of this policy. We may need to verify your identity before processing your request to protect your personal information from unauthorized access.
Data Security and Protection
Protecting your financial information is our top priority. We employ multiple layers of security measures including encryption, secure servers, and regular security audits. All data transmission occurs over encrypted connections, and your information is stored on servers located within Australia.
Our security measures include two-factor authentication for account access, regular automated backups with encryption, and staff training on privacy and security protocols. We also conduct annual third-party security assessments to identify and address potential vulnerabilities.
Data Breach Protocol: In the unlikely event of a data breach affecting your personal information, we will notify you and the Australian Privacy Commissioner within 72 hours, as required by law.
International Data Transfers
While our primary servers are located in Australia, some of our service providers may process your information internationally. When this occurs, we ensure these providers maintain privacy standards equivalent to Australian requirements through contractual obligations and certification processes.
Any international transfers are conducted under appropriate safeguards, including standard contractual clauses approved by Australian privacy regulators. You can request specific information about international processing of your data by contacting our privacy team.
Cookies and Tracking Technologies
Our platform uses cookies and similar technologies to enhance your experience and maintain security. Essential cookies are necessary for basic platform functionality, while optional cookies help us understand how you use our services and improve performance.
You can control cookie preferences through your browser settings or our privacy dashboard. Disabling certain cookies may limit some platform features, but core financial management functions will continue to work.
- Essential cookies for login and security
- Performance cookies for platform optimization
- Preference cookies to remember your settings
- Analytics cookies for usage insights (anonymized)
Children's Privacy
Our services are designed for adults managing their financial records. We do not knowingly collect personal information from individuals under 18 years of age. If you believe we have inadvertently collected information from a minor, please contact us immediately so we can delete this information.
Parents or guardians who discover their child has provided personal information should contact our privacy officer to request removal of this data from our systems.
Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. When significant changes occur, we'll notify you via email and through prominent notices on our platform at least 30 days before the changes take effect.
We encourage you to review this policy regularly. Your continued use of our services after policy updates constitutes acceptance of the revised terms.
Privacy Officer Contact Information
For privacy-related questions, concerns, or requests:
Address: 11/13 Dawson St S, Ballarat Central VIC 3350, Australia
Phone: +61884102627
Email: privacy@pavenoriqelo.sbs
We aim to respond to all privacy inquiries within 5 business days.