Privacy Policy

Introduction

varithenqualo operates a comprehensive digital budgeting platform designed to help Australians manage their finances more effectively. This privacy policy explains how we collect, use, store, and protect your personal information in accordance with the Australian Privacy Principles under the Privacy Act 1988.

We're committed to being transparent about our data practices. When you use our budgeting tools, financial calculators, or educational resources, we want you to understand exactly what information we gather and why we need it.

Information We Collect

Personal Information

We collect various types of personal information to provide our budgeting services effectively:

• Contact details including name, email address, phone number, and postal address
• Financial information such as income ranges, expense categories, and budgeting goals
• Account credentials and security information for platform access
• Transaction data and spending patterns when you connect bank accounts
• Communication records including support requests and feedback

Technical Information

Our platform automatically collects certain technical data to improve functionality and security:

• Device information including browser type, operating system, and screen resolution
• Usage analytics such as pages visited, time spent on features, and click patterns
• IP addresses and location data for security and service optimization
• Cookies and similar tracking technologies for personalized experiences

How We Use Your Information

Your personal information helps us deliver better budgeting tools and financial insights. Here's how we use what we collect:

Purpose	Information Used	Legal Basis
Account management and authentication	Contact details, login credentials	Contract performance
Budgeting tools and calculations	Financial information, transaction data	Contract performance
Customer support and communication	Contact details, support history	Legitimate interest
Platform improvement and analytics	Usage data, technical information	Legitimate interest
Security and fraud prevention	All collected data as necessary	Legitimate interest

Data Storage and Security

We take data security seriously and implement multiple layers of protection for your financial information.

Security Measures

• End-to-end encryption for all financial data transmission and storage
• Regular security audits and penetration testing by certified professionals
• Multi-factor authentication requirements for sensitive account operations
• Secure servers hosted in Australian data centers with physical security controls
• Regular staff training on data protection and privacy compliance

Data Retention

We retain personal information only as long as necessary for the purposes outlined in this policy:

• Active account data: Retained while your account remains active
• Financial transaction records: Kept for 7 years as required by Australian financial regulations
• Communication records: Stored for 3 years for quality assurance purposes
• Technical logs: Automatically deleted after 2 years

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We're committed to honoring these rights promptly and transparently.

Access and Correction

You can request access to any personal information we hold about you. If you find inaccuracies, we'll correct them within 30 days of receiving your request. Most account information can be updated directly through your dashboard.

Data Portability

You have the right to receive your personal data in a structured, commonly used format. We can export your budgeting data, transaction history, and account information as CSV or PDF files.

Deletion Rights

You may request deletion of your personal information, subject to legal retention requirements. When you close your account, we'll delete non-essential data within 60 days while preserving records required by financial regulations.

Third-Party Services and Sharing

We work with trusted partners to deliver comprehensive budgeting services, but we never sell your personal information to third parties.

Service Providers

We share limited data with essential service providers who help us operate the platform:

• Banking data aggregation services for account connectivity (encrypted transmission only)
• Cloud hosting providers for secure data storage within Australia
• Customer support platforms for efficient help desk operations
• Analytics services for platform improvement (anonymized data only)

Legal Disclosures

We may disclose personal information when legally required by Australian authorities, court orders, or to prevent fraud and protect user safety. Any such disclosures are logged and limited to the minimum necessary information.

Cookies and Tracking

Our platform uses cookies and similar technologies to enhance your budgeting experience and provide personalized features.

Cookie Types

• Essential Cookies: Required for platform functionality, login, and security
• Performance Cookies: Help us understand how you use our budgeting tools
• Preference Cookies: Remember your settings and customization choices
• Marketing Cookies: Used only with your consent to show relevant content

You can control cookie preferences through your browser settings or our cookie management tool. Disabling essential cookies may limit platform functionality.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our services, technology, or legal requirements. When we make significant changes, we'll notify you through email and prominent platform notices at least 30 days before implementation.

Minor updates, such as clarifications or contact information changes, will be posted directly to this page with an updated effective date.