What Information We Collect

We only collect information that helps us provide better budget control services. Nothing more, nothing less. Here's what we gather and why:

Account and Profile Information

When you sign up for tavionkarex, you give us basic details like your name, email address, and phone number. We need this to set up your account and contact you about your service. If you're using our business features, we might also collect your company name and ABN.

Financial Connection Data

Our budget control tools work by connecting to your bank accounts and financial institutions. We use secure, encrypted connections through regulated financial data services. We can see transaction amounts, dates, merchant names, and account balances. We cannot initiate transactions or move your money.

Usage Information

Like most online services, we track how you use tavionkarex. This includes which features you click on, how long you spend in different sections, and what kind of budget categories you create. This helps us figure out what's working and what needs improvement.

Device and Technical Data

We collect technical information about the device and browser you're using. This includes your IP address, browser type, operating system, and device identifiers. We use this for security purposes and to make sure our service works properly across different platforms.

How We Use Your Information

Everything we collect serves a specific purpose. We don't collect data just because we can.

• Providing our service: The main reason we collect your data is to give you working budget control tools. Your financial information lets us categorize spending, spot trends, and send you alerts when you're approaching budget limits.
• Improving our platform: We analyze usage patterns to understand which features people find helpful and which ones need work. This guides our development priorities.
• Security and fraud prevention: We monitor for unusual activity that might indicate unauthorized access or fraudulent use of your account.
• Customer support: When you contact us with questions or problems, we use your account information to help resolve issues quickly.
• Legal compliance: Sometimes we're required by law to retain certain records or provide information to regulatory authorities.
• Communication: We send you service updates, security alerts, and occasionally information about new features that relate to how you use tavionkarex.

Sharing and Disclosure

We don't sell your personal information. Period. But we do share data in specific circumstances:

Service Providers

We work with trusted third-party companies that help us run tavionkarex. This includes cloud hosting providers, data analytics services, and customer support platforms. These companies only get access to the information they need to do their job, and they're contractually obligated to protect your data.

Financial Institutions

We connect to your banks and financial institutions through secure APIs provided by licensed financial data aggregators. These connections are read-only and encrypted. Your bank will have its own privacy policy covering how they handle data sharing requests.

Legal Requirements

We may disclose your information if required by Australian law, court order, or government regulation. This includes responding to valid subpoenas or requests from law enforcement. We'll notify you about such requests unless legally prohibited from doing so.

Business Transfers

If tavionkarex is acquired by or merges with another company, your information would be transferred to the new entity. We'd notify you before this happens and explain any changes to how your data will be handled.

With Your Consent

If we want to share your information in ways not covered by this policy, we'll ask for your explicit permission first.

Data Security

Security isn't just a feature for us. It's fundamental to everything we do. Here's how we protect your information:

• Encryption: All data transmitted between your device and our servers uses TLS 1.3 encryption. Your financial data is encrypted at rest using AES-256 encryption.
• Access controls: Only authorized tavionkarex employees can access user data, and only when necessary for their job. All access is logged and monitored.
• Regular security audits: We conduct quarterly security assessments and penetration testing to identify and fix vulnerabilities.
• Secure infrastructure: Our systems are hosted in Australian data centers that meet ISO 27001 standards for information security management.
• Employee training: Our team receives regular training on data protection and privacy best practices.
• Incident response: We have procedures in place to detect, respond to, and recover from security incidents.

Your Rights and Choices

Under Australian privacy law, you have significant control over your personal information. Here's what you can do:

Access Your Data

You can request a copy of all personal information we hold about you. We'll provide this in a commonly used electronic format within 30 days of your request. There's no charge for reasonable requests, though we might charge a fee for excessive or repetitive requests.

Correct Inaccurate Information

If you believe we have incorrect information about you, let us know and we'll update it. You can change most account information yourself through your profile settings.

Delete Your Account

You can delete your tavionkarex account at any time through your account settings. We'll remove your personal information and financial data within 90 days. Some information may be retained in backups for up to six months for technical reasons, after which it's permanently deleted.

Restrict Processing

You can ask us to limit how we use your information in certain circumstances. For example, if you're disputing the accuracy of your data, we can restrict processing while we verify it.

Object to Processing

You have the right to object to certain types of data processing, particularly for marketing purposes. We'll stop processing your data for those purposes unless we have compelling legitimate grounds to continue.

Data Portability

You can request a machine-readable copy of your data that you can transfer to another service. We support standard export formats for transaction data and budget information.

Data Retention

We keep your information only as long as necessary for the purposes outlined in this policy:

• Active accounts: While your account is active, we retain all your data to provide continuous service.
• Deleted accounts: After you delete your account, we remove your personal and financial data within 90 days. Backup copies are purged within six months.
• Transaction records: For compliance with Australian financial regulations, we retain certain transaction records for seven years after account closure.
• Support communications: Customer support correspondence is kept for three years to help resolve recurring issues and improve our service.
• Usage analytics: Aggregated, anonymized usage statistics may be retained indefinitely for research and service improvement purposes.

Cookies and Tracking

tavionkarex uses cookies and similar technologies to make our service work properly and understand how people use it.

Essential Cookies

These are necessary for the service to function. They handle things like keeping you logged in and remembering your preferences. You can't opt out of these if you want to use tavionkarex.

Analytics Cookies

We use analytics tools to understand how people interact with tavionkarex. This helps us identify problems and improve the user experience. These cookies collect information like which pages you visit and how long you spend on different features.

Managing Cookies

Most browsers let you control cookies through their settings. You can block or delete cookies, though this might affect how tavionkarex works. You can adjust your cookie preferences in your account settings.

Children's Privacy

tavionkarex is not intended for anyone under 18 years old. We don't knowingly collect information from children. If we discover that we've inadvertently collected data from someone under 18, we'll delete it immediately. If you believe we have information about a child, please contact us right away.

International Data Transfers

Your data is primarily stored in Australian data centers. Some of our service providers operate internationally, which might involve transferring your data outside Australia. When this happens, we ensure appropriate safeguards are in place through:

• Contractual obligations requiring service providers to protect your data according to Australian privacy standards
• Verification that recipient countries have adequate privacy protections
• Use of standard contractual clauses approved by the Australian Information Commissioner

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 and display a notice on our platform. The updated policy takes effect 30 days after we notify you, giving you time to review the changes.

We maintain a changelog showing what's changed in each version. You can always find the current policy at tavionkarex.com/privacy-policy and previous versions in your account settings.

Complaints and Disputes

If you're unhappy with how we've handled your personal information, please let us know. We take complaints seriously and want to resolve any issues.

Start by contacting us at info@tavionkarex.com with details about your concern. We'll acknowledge your complaint within three business days and provide a full response within 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

• Website: oaic.gov.au
• Phone: 1300 363 992
• Mail: GPO Box 5218, Sydney NSW 2001