Information We Collect

When you use arojunaviax's services, we collect different types of information to help you manage your finances effectively. Here's what we gather and why it matters.

Personal Identification Information

This includes your name, email address, phone number, and postal address. We need these basics to set up your account and communicate with you about your budget management. Think of it as the foundation of your relationship with us.

Financial Information

To consolidate your budgets effectively, we collect bank account details, transaction history, income sources, and spending patterns. This is where our service becomes valuable. We can't help you organize your finances without seeing the full picture. All financial data is encrypted and stored with bank-level security measures.

Technical Information

Like most online services, we automatically collect some technical data: your IP address, browser type, device information, and how you interact with our platform. This helps us improve the service and catch any security issues early.

How We Use Your Information

We're not in the business of selling your data. Everything we collect serves a specific purpose related to providing and improving our budget consolidation service.

• Providing core budget consolidation features and financial tracking
• Analyzing your spending patterns to offer personalized insights
• Communicating important updates about your account or our services
• Detecting and preventing fraudulent activity or security breaches
• Improving our platform based on how people actually use it
• Complying with Australian financial regulations and legal requirements
• Responding to your support requests and questions

Data Sharing and Disclosure

We keep data sharing to a minimum. But running a financial service means working with some trusted partners. Here's the full picture of who might see your information.

Service Providers

We work with cloud hosting providers, payment processors, and security services that help us run the platform. These companies only access what they need to do their job, and they're contractually bound to protect your data the same way we do.

Financial Institutions

To connect your accounts and retrieve transaction data, we use secure banking APIs. Your bank credentials are never stored on our servers. We use read-only access tokens that you can revoke anytime.

Legal Requirements

Sometimes we're legally required to share information with government agencies or law enforcement. This might happen if we receive a valid subpoena or court order. We'll notify you about these requests unless we're legally prohibited from doing so.

Business Transfers

If arojunaviax is acquired or merged with another company, your information would be transferred as part of that transaction. You'd be notified beforehand, and any new owner would have to honor the commitments we've made in this policy.

Your Privacy Rights Under Australian Law

The Australian Privacy Principles give you specific rights about your personal information. We've built our systems to make exercising these rights straightforward.

Access and Correction

You can request a copy of all personal information we hold about you. If anything's incorrect, you can ask us to fix it. We'll respond to access requests within 30 days. Most of your data is already visible in your account dashboard.

Data Portability

Want to take your data elsewhere? You can download your information in common formats like CSV or JSON. This includes your transaction history, budget categories, and account settings.

Deletion Rights

You can request deletion of your account and associated data at any time. We'll process this within 30 days. Keep in mind that we may need to retain some financial records for up to 7 years to comply with Australian tax and financial regulations.

Marketing Communications

You can opt out of promotional emails anytime by clicking the unsubscribe link. We'll still send you essential service notifications like security alerts or policy changes.

Data Security Measures

Protecting your financial data isn't optional. We use multiple layers of security to keep your information safe from unauthorized access, theft, or loss.

• 256-bit AES encryption for data at rest and TLS 1.3 for data in transit
• Multi-factor authentication required for all account access
• Regular security audits conducted by independent third parties
• Automated monitoring systems that detect unusual activity patterns
• Strict employee access controls with comprehensive background checks
• Regular data backups stored in geographically separate locations
• Incident response procedures tested quarterly

Despite these measures, no system is completely secure. If we detect a data breach that affects your information, we'll notify you within 72 hours and provide clear guidance on protective steps you should take.

Cookie Policy and Tracking

We use cookies and similar technologies to make the service work properly and understand how people use it. You have control over most of these.

Essential Cookies

These are necessary for the platform to function. They handle things like keeping you logged in, remembering your preferences, and maintaining security. You can't opt out of these while using the service.

Analytics Cookies

We use analytics tools to understand which features people use most and where they encounter problems. This data is anonymized and helps us improve the platform. You can opt out through your browser settings.

Performance Cookies

These help us optimize loading times and fix technical issues. They collect information about page load speeds and error messages but don't identify you personally.

Third-Party Services and Links

Our platform integrates with various financial institutions and may contain links to external resources. When you leave our site or use third-party services through our platform, you're subject to their privacy policies, not ours.

We carefully vet our integration partners, but we can't control how they handle your data. Before connecting external accounts or services, take a moment to review their privacy practices.

Children's Privacy

arojunaviax's services are designed for adults and we don't knowingly collect information from anyone under 18. If we discover that we've accidentally gathered data from a minor, we'll delete it immediately. If you're a parent who believes your child has provided us with personal information, please contact us right away.

International Data Transfers

Your data is primarily stored on servers located in Australia. However, some of our service providers operate internationally, which means your information might be processed in other countries with different privacy laws.

When we transfer data internationally, we use standard contractual clauses approved by Australian authorities to ensure your information receives adequate protection regardless of where it's processed.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and comply with legal obligations. Here's our general approach to data retention.

Active account data remains accessible to you indefinitely while your account is open. If you close your account, most data is deleted within 90 days. However, Australian financial regulations require us to maintain transaction records and certain account information for 7 years after account closure.

Anonymized usage data may be retained longer for statistical analysis and service improvement. This data can't be traced back to you individually.

Changes to This Privacy Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email and display a prominent notice on the platform.

The "Last Updated" date at the top shows when the current version took effect. We encourage you to review this policy periodically, especially before sharing new types of information with us.

Complaints and Dispute Resolution

If you're unhappy with how we've handled your personal information, we want to know. Start by contacting us directly so we can try to resolve the issue.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the regulatory body that oversees privacy compliance in Australia.

• OAIC Website: www.oaic.gov.au
• OAIC Phone: 1300 363 992
• Mail: GPO Box 5218, Sydney NSW 2001