We collect various types of information to provide you with effective budgeting services and improve your financial management experience. The information we gather falls into several categories:

We only collect information that is necessary for providing our budgeting services or that you voluntarily provide to us. You can choose what information to share, though some data is essential for core functionality.

Your information helps us deliver personalized budgeting services and maintain platform security. We use your data for specific purposes that directly benefit your financial management experience:

• Creating and maintaining your budgeting account and personal financial dashboard
• Providing personalized budget recommendations based on your income and spending patterns
• Sending important account notifications, budget alerts, and service updates
• Analyzing spending trends to offer insights and improve your financial planning
• Protecting your account from unauthorized access and fraudulent activity
• Improving our platform functionality and developing new budgeting features
• Responding to your customer service inquiries and providing technical support
• Complying with legal obligations and Australian financial services regulations

We maintain strict controls over who can access your personal and financial information. ziravexilno does not sell your data to third parties, and we only share information in specific, limited circumstances:

• With your explicit consent for specific integrations or services you request
• With trusted service providers who assist in delivering our budgeting platform, under strict confidentiality agreements
• When required by Australian law, court orders, or regulatory authorities
• To protect against fraud, security threats, or illegal activities affecting our platform
• In the unlikely event of a business merger or acquisition, with advance notice to users

Our service providers are carefully selected and must meet our security standards. They can only access information necessary for their specific functions and are prohibited from using your data for their own purposes.

Under Australian privacy law, you have significant rights regarding your personal information. We've designed our systems to make exercising these rights straightforward and accessible:

We typically respond to privacy requests within 30 days. For complex requests, we may need additional time and will keep you informed of our progress. There's no charge for most requests, though we may charge reasonable fees for excessive or repetitive requests.

Protecting your financial information is our top priority. We implement multiple layers of security to safeguard your data against unauthorized access, alteration, or disclosure:

• 256-bit SSL encryption for all data transmission between your device and our servers
• Advanced encryption for stored data, with separate encryption keys for different data types
• Multi-factor authentication options to secure your account access
• Regular security audits and penetration testing by independent security experts
• Restricted access controls ensuring only authorized personnel can access systems
• Automated monitoring systems that detect and respond to suspicious activities
• Secure data centers in Australia with physical security measures and redundant systems
• Regular security training for all staff members handling user data

While we implement industry-leading security measures, we also recommend that you take steps to protect your account, such as using strong passwords, enabling two-factor authentication, and logging out of shared devices.

We retain your information only as long as necessary to provide our services and comply with legal requirements. Our retention periods vary based on the type of information and how you use our platform:

• Active Account Data: Maintained while your account is active and for 12 months after closure to handle any account-related inquiries
• Financial Transaction Records: Stored for 7 years to comply with Australian financial record-keeping requirements
• Communication Records: Customer service interactions kept for 3 years for quality assurance and dispute resolution
• Technical Logs: System and security logs retained for 18 months for troubleshooting and security monitoring
• Marketing Preferences: Maintained until you withdraw consent or close your account

When retention periods expire, we securely delete your information using industry-standard data destruction methods. You can request earlier deletion of certain data types, though some information may need to be retained for legal compliance.

Your data is primarily stored and processed in Australia. However, some of our trusted service providers may process data internationally to deliver global infrastructure services such as cloud hosting and security monitoring.

When we transfer data internationally, we ensure appropriate safeguards are in place:

• Service providers must meet or exceed Australian privacy protection standards
• Contractual agreements that require the same level of data protection we provide
• Regular audits to ensure compliance with international data protection requirements
• Data transfer agreements that include specific security and privacy obligations

We only work with reputable international providers who demonstrate strong privacy practices and comply with recognized international frameworks for data protection.

We use cookies and similar technologies to enhance your experience and maintain platform functionality. Our approach to cookies is designed to respect your privacy while providing a personalized budgeting experience:

You can manage your cookie preferences through your browser settings or our privacy dashboard. Disabling certain cookies may affect some platform functionality, but core budgeting features will remain available.

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or service improvements. We're committed to keeping you informed about how we handle your privacy:

• We'll notify you at least 30 days before significant changes take effect
• Minor updates will be posted on our website with an updated revision date
• Major changes affecting your rights will be communicated via email and in-app notifications
• You'll have the opportunity to review changes and adjust your privacy preferences

Continued use of our platform after changes become effective indicates acceptance of the updated policy. If you disagree with changes, you can close your account or contact us to discuss your concerns.