Information We Collect

When you use lumivalithiayxo's budgeting tools, we collect information that helps us provide better services. Some of this you give us directly, while other data comes from how you interact with our platform.

Personal Information You Provide

• Your name, email address, and phone number when you create an account
• Financial data you enter into our budgeting tools, including income and expense categories
• Payment information if you subscribe to premium features
• Messages you send us through contact forms or support channels
• Survey responses and feedback you choose to share

Information We Collect Automatically

Our systems automatically gather certain technical data when you visit our website or use our app. This includes your IP address, browser type, device information, and pages you visit. We use cookies and similar technologies to track your preferences and improve your experience.

How We Use Your Information

We don't sell your personal information to third parties. Period. Everything we collect serves specific purposes that benefit you as a user.

• Providing and maintaining our budgeting services and features
• Processing your transactions and sending related communications
• Responding to your questions and providing customer support
• Sending you updates about service changes or new features you might find useful
• Analyzing usage patterns to improve our platform and develop new tools
• Detecting and preventing fraud or security issues
• Complying with legal obligations under Australian law

Data Storage and Security

Your financial information deserves serious protection. We store all data on secure servers located in Australia, encrypted both in transit and at rest. Our security measures include firewalls, intrusion detection systems, and regular security audits.

Access to your personal information is restricted to employees who need it to perform their jobs. Everyone on our team signs confidentiality agreements and receives training on data protection practices.

Despite our best efforts, no system is completely foolproof. If we ever experience a data breach that might affect you, we'll notify you promptly and explain what happened, what information was involved, and what steps we're taking to address it.

Sharing Your Information

We keep your data to ourselves except in these specific situations:

• Service providers who help us run the platform (hosting, payment processing, customer support tools) under strict confidentiality agreements
• Professional advisors like lawyers and accountants when necessary for business operations
• Law enforcement or government agencies when required by Australian law or court order
• In the event of a business sale or merger, though your rights would remain protected

We never share your financial data with marketing companies or data brokers. Your budgeting information stays between you and us.

Your Rights Under Australian Law

The Australian Privacy Principles give you 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 within 30 days, free of charge for the first request each year.

Correct Inaccurate Information

If you spot errors in your data, let us know and we'll fix them promptly. You can update most information directly through your account settings.

Delete Your Account

You can close your account anytime by contacting us. We'll delete your personal information within 30 days, though we may need to keep certain records for legal compliance purposes.

Object to Processing

You can opt out of marketing communications or ask us to stop processing your data for specific purposes. We'll honor these requests while maintaining essential service functions.

Data Retention

We don't keep your information longer than necessary. Here's our typical retention schedule:

After these periods expire, we either delete your data or anonymize it so it can't be linked back to you. Some records must be kept longer to comply with Australian tax and financial regulations.

Cookies and Tracking

We use cookies to remember your preferences and understand how you use our service. Essential cookies keep you logged in and maintain your security. Analytics cookies help us see which features people use most.

You can control cookies through your browser settings. Blocking essential cookies might affect how our service works, but you can disable analytics cookies without losing functionality.

We don't use advertising cookies or allow third-party advertisers to track you on our platform.

Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect information from children. If you're a parent and believe your child has provided us with personal information, contact us and we'll delete it immediately.

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 website at least 30 days before the changes take effect.

We encourage you to review this policy periodically. Continued use of our services after changes means you accept the updated terms.

Complaints and Disputes

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 investigate them 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 regulator for privacy matters in Australia.