1 Information We Collect

We collect different types of information depending on how you interact with our budgeting platform. Some information you provide directly, while other data is collected automatically as you use our services.

Personal Information You Provide

• Your name, email address, and phone number when you create an account
• Billing address and payment details if you subscribe to premium features
• Financial data you enter into our budgeting tools (income, expenses, savings goals)
• Any messages or communications you send to our support team
• Feedback, survey responses, and testimonials you choose to share

Information Collected Automatically

• Device information including IP address, browser type, and operating system
• Usage data such as pages visited, features used, and time spent on our platform
• Technical data about how you access and navigate our website
• Location data based on your IP address (city and region level only)

2 How We Use Your Information

Your information helps us provide and improve our budgeting services. We're transparent about what we do with your data and why.

We don't sell your personal information to third parties. We don't use your financial data for advertising purposes. Your budget details remain private and are only used to provide the services you've requested.

3 Data Storage and Security

Your information is stored on secure servers located in Australia. We use industry-standard security measures to protect your data from unauthorized access, disclosure, or loss.

Security Measures We Implement

• All data transmitted between your device and our servers is encrypted using TLS 1.3 protocol
• Financial data you enter is encrypted at rest using AES-256 encryption
• Access to your information is restricted to authorized personnel only
• We conduct regular security audits and vulnerability assessments
• Two-factor authentication is available (and recommended) for all accounts
• Automated monitoring systems detect and alert us to suspicious activity

While we take security seriously, no system is completely foolproof. We encourage you to use a strong, unique password and enable two-factor authentication on your account.

Data Retention Periods

We keep your information for as long as your account is active. If you close your account, we retain certain data for up to seven years to comply with Australian taxation and financial record-keeping requirements. After this period, your information is securely deleted from our systems.

4 Sharing Your Information

We share your information only when necessary to provide our services or when required by law. Here's who might have access to your data and why.

Service Providers

We work with trusted third-party companies to help operate our platform. These providers have access only to the information needed to perform their specific functions.

• Cloud hosting providers for server infrastructure and data storage
• Payment processors to handle subscription billing (they never see your full card details)
• Email service providers for sending account notifications and updates
• Analytics tools to understand how people use our platform (with anonymized data)
• Customer support software to manage and respond to your inquiries

Legal Requirements

We may disclose your information if required by Australian law, court order, or government request. This might happen if there's a valid subpoena or if we need to protect our legal rights. We'll notify you about such requests unless legally prohibited from doing so.

5 Your Privacy Rights

Under the Australian Privacy Act, you have specific rights regarding your personal information. We're committed to making these rights easy to exercise.

Access and Correction

You can access most of your personal information directly through your account settings. If you find any errors or outdated information, you can update it yourself or contact us for assistance.

Data Portability

You can export your budget data at any time through your account dashboard. We provide your information in a commonly used format (CSV) that you can import into other budgeting tools if you choose.

Account Deletion

You can request deletion of your account through your account settings or by contacting our support team. We'll delete your information within 30 days, except for data we're legally required to retain for tax purposes.

Marketing Communications

You can opt out of marketing emails at any time by clicking the unsubscribe link in any promotional message. You'll still receive important account notifications and service updates, but we won't send you optional content if you prefer not to receive it.

How to Exercise Your Rights

To make any privacy-related requests or ask questions about your data, contact our privacy team at help@cilveriqona.com. We'll respond to your request within 30 days. There's no charge for most requests, though we may charge a reasonable fee for excessive or repetitive requests.

6 Cookies and Tracking

Our website uses cookies and similar technologies to improve your experience and help us understand how people use our platform.

Types of Cookies We Use

• Essential cookies: Required for basic platform functionality like logging in and maintaining your session
• Performance cookies: Help us understand which features are most useful and where people encounter problems
• Preference cookies: Remember your settings and choices to personalize your experience
• Analytics cookies: Provide anonymized data about how visitors use our website

You can control cookies through your browser settings. Blocking essential cookies may prevent you from using certain features of our platform. Most modern browsers let you accept some cookies while rejecting others.

7 Children's Privacy

cilveriqona is designed for adults managing their personal finances. We don't knowingly collect information from anyone under 18 years of age. If we discover that we've inadvertently collected data from a minor, we'll delete it promptly.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can remove it from our systems.

8 Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and display a prominent notice on our platform.

The "Last Updated" date at the top of this page shows when the policy was most recently revised. We encourage you to review this policy periodically to stay informed about how we're protecting your information.

Your continued use of cilveriqona after policy changes indicates your acceptance of the updated terms. If you disagree with any changes, you can close your account before the changes take effect.

9 Complaints and Disputes

If you have concerns about how we've handled your personal information, please contact our privacy team first. We'll investigate your complaint and respond within 30 days.

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). You can reach them at:

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