Privacy Policy

What Information We Collect

When you use our zero-based budgeting platform, we collect information that helps us provide you with better financial management tools. Here's what we typically gather:

• Your name, email address, and phone number when you create an account
• Billing information and payment details for subscription processing
• Financial data you input into the budgeting tool, including income, expenses, and savings goals
• Technical information like your IP address, browser type, and device information
• Usage data showing how you interact with our platform
• Communication records when you contact our support team

We only collect what's necessary. If we don't need it to run the service properly, we don't ask for it.

How We Use Your Information

Your data serves specific purposes, and we won't use it for anything beyond these:

Service Delivery

• Maintaining your account and providing access to budgeting features
• Processing your financial calculations and generating budget reports
• Storing your budget data securely so you can access it whenever needed
• Sending you important updates about your account or service changes

Improvement and Development

• Analysing how people use the platform to identify areas for improvement
• Testing new features before rolling them out to everyone
• Fixing bugs and technical issues that affect user experience
• Understanding which tools are most helpful for our users

Communication

• Responding to your support requests and questions
• Sending educational content about zero-based budgeting techniques
• Notifying you about changes to our services or policies
• Providing account security alerts when necessary

Data Storage and Security

Your information is stored on secure servers located in Australia, with backup systems in place to prevent data loss. We use industry-standard encryption to protect your data both when it's stored and when it's being transmitted.

Security Measures We Use

• 256-bit SSL encryption for all data transmission between your device and our servers
• Regular security audits conducted by independent third parties
• Multi-factor authentication options for account access
• Restricted employee access to personal data, limited to those who need it for their work
• Automated backup systems that run daily to prevent data loss
• Regular software updates to address security vulnerabilities

That said, no system is completely bulletproof. We do everything we can to keep your data safe, but we can't guarantee absolute security. If you notice anything suspicious with your account, let us know immediately.

Sharing Your Information

We don't share your personal information casually. When we do share it, there's always a good reason:

Service Providers

We work with a small number of trusted companies that help us run the platform:

• Payment processors who handle subscription billing securely
• Cloud hosting providers who store our data in Australian facilities
• Email service providers who send account notifications and updates
• Analytics tools that help us understand how the platform is being used

These companies are bound by strict agreements and can only use your data for the specific services they provide to us. They're not allowed to use it for their own purposes.

Legal Requirements

Sometimes we're legally required to share information with authorities. This might happen if:

• We receive a valid court order or subpoena
• We need to protect someone's safety or prevent fraud
• We're required to comply with Australian financial regulations
• We need to protect our legal rights or property

We'll always review such requests carefully and only share what's legally required.

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do:

How to Exercise Your Rights

You can manage most settings directly from your account dashboard. For other requests, email us at help@giravonexil.com with your request and we'll respond within 30 days. We might need to verify your identity before processing certain requests.

Data Retention

We keep your information for as long as your account is active. Here's what happens with different types of data:

• Budget Data: Stored for the duration of your active subscription plus 90 days after cancellation
• Account Information: Retained for seven years after account closure to meet financial record-keeping requirements
• Payment Records: Kept for seven years as required by Australian taxation law
• Support Communications: Archived for three years to help resolve ongoing issues
• Marketing Data: Deleted within 60 days if you unsubscribe from communications
• Usage Analytics: Aggregated and anonymised after 18 months

Once the retention period ends, we securely delete or anonymise your information so it can't be traced back to you.

Cookies and Tracking

Like most websites, we use cookies and similar technologies. These are small files stored on your device that help us remember your preferences and understand how you use our platform.

Types of Cookies We Use

• Essential Cookies: Required for the platform to function properly, like keeping you logged in
• Functional Cookies: Remember your preferences and settings between visits
• Analytics Cookies: Help us understand which features are most useful
• Performance Cookies: Monitor how quickly pages load and identify technical issues

You can control cookie settings through your browser, but blocking certain cookies might affect how the platform works. Essential cookies can't be disabled if you want to use the service.

Third-Party Links

Our platform might occasionally link to external websites or resources for educational purposes. We're not responsible for how these third parties handle your data. Always check their privacy policies before sharing personal information.

We carefully vet any third-party resources we recommend, but we can't control their practices or guarantee their security standards.

Children's Privacy

Our services are designed for adults managing their personal or household finances. We don't knowingly collect information from anyone under 18 years old. If we discover 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, contact us immediately at help@giravonexil.com.

Changes to This Policy

We update this policy occasionally 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 the platform.

The "Last Updated" date at the top of this page shows when the current version took effect. We recommend reviewing this policy periodically, especially if you haven't checked it in a while.

Continuing to use our services after changes become effective means you accept the updated policy.