Privacy Policy

Information We Collect

When you use our budget categorization platform, we collect several types of information to provide and improve our services. This includes personal details you provide during registration, such as your name, email address, and phone number. We also gather financial data that you input for categorization purposes, including transaction descriptions, amounts, and dates.

Additionally, we automatically collect technical information about your device and usage patterns, including IP addresses, browser types, operating systems, and how you interact with our platform features. This helps us understand user behavior and improve functionality.

How We Use Your Information

Your information serves multiple purposes within our platform ecosystem. We use personal details to create and maintain your account, send service notifications, and provide customer support when needed.

• Categorizing your financial transactions using our automated systems
• Generating personalized spending insights and budget recommendations
• Improving our categorization algorithms through anonymized data analysis
• Detecting and preventing fraudulent activity or unauthorized access
• Communicating important updates about our services and features
• Conducting research to enhance user experience and platform functionality

We also use aggregated, anonymized data to understand spending trends and improve our categorization accuracy. This research helps us develop better features for all users while maintaining individual privacy.

Data Sharing and Third Parties

We maintain strict controls over how your information is shared. toravianqulyse does not sell personal data to advertisers or marketing companies. However, we do work with trusted service providers who help us operate our platform effectively.

These partnerships include cloud storage providers for secure data hosting, analytics services for platform performance monitoring, and payment processors for subscription management. All third-party partners must meet our security standards and are bound by confidentiality agreements.

In certain circumstances, we may disclose information when required by Australian law, court orders, or to protect our users' safety and platform integrity. We'll notify users of such disclosures unless legally prohibited from doing so.

Your Rights Under Australian Privacy Law

Under the Privacy Act 1988 and Australian Privacy Principles, you have several important rights regarding your personal information. These rights give you control over your data and how it's handled by our platform.

• Access your personal information and understand how it's being used
• Request corrections to inaccurate or outdated information in your account
• Withdraw consent for certain data processing activities
• Request deletion of your account and associated data
• Receive portable copies of your transaction data in common formats
• Lodge complaints with the Office of the Australian Information Commissioner

To exercise these rights, contact our privacy team at info@toravianqulyse.com with your request and account verification details. We take these requests seriously and respond promptly to all legitimate inquiries.

Data Security and Protection

Protecting your financial information is our highest priority. We employ multiple layers of security measures to safeguard data from unauthorized access, theft, or misuse. All data transmissions use industry-standard TLS encryption, and our servers are hosted in secure Australian data centers.

Our security protocols include regular penetration testing, employee access controls, and continuous monitoring for suspicious activity. Financial data is encrypted both in transit and at rest, with encryption keys managed separately from the data itself.

We also maintain incident response procedures to quickly address any potential security breaches. In the unlikely event of a data breach affecting personal information, we'll notify affected users and relevant authorities within the timeframes required by Australian law.

Data Retention and Deletion

We retain personal information only as long as necessary to provide our services and comply with legal obligations. Account information and transaction data are typically kept for the duration of your active subscription plus seven years for financial record keeping requirements.

When you close your account, we begin the deletion process within 30 days. However, some information may be retained longer if required for legal compliance, fraud prevention, or resolving disputes. We'll always use the minimum retention period necessary for these purposes.

Anonymized, aggregated data used for research and platform improvement may be retained indefinitely since it cannot be linked back to individual users. This helps us continue developing better categorization tools for future users.

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your browsing experience and provide personalized features. Essential cookies are necessary for basic platform functionality, including user authentication and security features.

We also use analytics cookies to understand how users interact with our platform, which pages are most popular, and where improvements might be needed. These cookies help us optimize the user experience and identify technical issues.

You can control cookie preferences through your browser settings, though disabling certain cookies may limit platform functionality. We don't use cookies for advertising purposes or share cookie data with external advertising networks.

Changes to This Privacy Policy

We review and update this privacy policy regularly to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify active users via email and display notices on our platform.

Minor updates, such as clarifications or formatting changes, may be made without advance notice. We encourage users to review this policy periodically to stay informed about how we protect their information.

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