Privacy Policy

Information We Collect

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

How We Collect Your Information

Most information comes directly from you when you create an account or connect your financial accounts to our platform. We also collect data automatically through cookies and similar technologies. If you contact our support team, we keep records of those conversations to improve our service.

How We Use Your Information

Your information helps us provide better budget optimization services. We analyze your spending patterns to identify areas where you might save money or improve your financial situation.

• Service Delivery: Processing your financial data to generate personalized budget recommendations and track your progress toward financial goals.
• Account Management: Maintaining your account, processing payments, and handling customer support requests.
• Platform Improvement: Understanding how users interact with our services helps us identify areas for enhancement and develop new features.
• Security Monitoring: Detecting and preventing fraud, unauthorized access, or other security issues that could affect your account.
• Communication: Sending important updates about your account, service changes, or new features that might benefit you.
• Legal Compliance: Meeting our obligations under Australian financial services regulations and tax laws.

We won't use your information for purposes you haven't agreed to. And we definitely won't sell your personal data to third parties for marketing purposes.

Sharing Your Information

We share your information only when necessary to provide our services or when required by law. Here's who might see your data:

Service Providers

We work with trusted third parties who help us run our platform. This includes cloud hosting providers, payment processors, and analytics services. These partners can only use your information to perform services on our behalf and must protect it according to our standards.

Financial Institutions

When you connect your bank accounts to vazcoliren, we use secure APIs to access your transaction data. We share only the minimum information necessary to establish and maintain these connections.

Legal Requirements

Sometimes we're required to share information with government agencies or law enforcement. This happens when we receive valid legal requests, need to protect our rights, or must comply with Australian financial regulations. We'll notify you of such requests unless prohibited by law.

Business Transfers

If vazcoliren is acquired by or merges with another company, your information might be transferred as part of that transaction. We'll notify you before your data is transferred and becomes subject to a different privacy policy.

Data Security

We take protecting your financial information seriously. Our security measures include encryption, secure servers, and regular security audits.

All data transmitted between your browser and our servers uses TLS encryption. Your financial data is encrypted at rest using industry-standard AES-256 encryption. We maintain strict access controls, so only authorized personnel can view your information when necessary for support or service delivery.

Our team receives regular security training, and we conduct penetration testing to identify and fix potential vulnerabilities. But no system is completely secure. If we experience a data breach that affects your information, we'll notify you within 72 hours as required by Australian law.

Data Retention

We keep your information only as long as necessary to provide services or meet legal requirements. Different types of data have different retention periods:

When you close your account, we'll delete or anonymize your personal information within 30 days, except where we're required to retain it for legal purposes. Financial records must be kept for seven years under Australian tax law.

Cookies and Tracking

We use cookies to remember your preferences and understand how people use our platform. Essential cookies keep you logged in and maintain your session. Analytics cookies help us see which features are popular and where people struggle.

You can control cookie settings through your browser, though disabling certain cookies might affect how our platform works. We don't use advertising cookies or sell your browsing data to advertisers.

International Data Transfers

Your data is primarily stored on servers located in Australia. Some of our service providers operate globally, which means your information might be processed in other countries. When this happens, we ensure appropriate safeguards are in place through standard contractual clauses and data protection agreements.

We only transfer data to countries with adequate privacy protections or where we can ensure equivalent protection through contractual obligations.

Children's Privacy

vazcoliren's services aren't intended for anyone under 18. We don't knowingly collect personal information from children. If we discover we've collected information from someone under 18, we'll delete it immediately.

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

Changes to This Policy

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

The date at the top of this policy shows when it was last updated. We encourage you to review this policy periodically to stay informed about how we protect your information.

Making a Complaint

If you're concerned about how we've handled your personal information, please contact us first so we can try to resolve the issue. We take complaints seriously and will investigate thoroughly.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent authority responsible for privacy regulation in Australia.