Privacy Policy

Introduction

zenorithavonquelo ("we," "our," or "us") operates zenorithavonquelo.com and provides financial goal tracking services to users across Australia. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our platform, in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

We're committed to protecting your privacy and being transparent about how we handle your data. This policy covers all interactions you have with our services, whether through our website, mobile applications, or customer support channels.

Information We Collect

Personal Information

When you create an account or use our services, we collect the following types of personal information:

• Name, email address, and contact details
• Date of birth and demographic information
• Financial goals and preferences you choose to share
• Account credentials and security information
• Payment information for subscription services
• Communication preferences and history

Financial Data

With your explicit consent, we may collect limited financial information necessary for goal tracking, including savings targets, spending categories, and progress metrics. We never store complete banking details or account numbers.

Technical Information

We automatically collect certain technical data when you use our platform:

• IP address and browser information
• Device type, operating system, and mobile identifiers
• Usage patterns and feature interactions
• Session duration and page views
• Referral sources and marketing campaign data

How We Use Your Information

We only use your personal information for the purposes outlined above and will not use it in ways that are materially different without obtaining your consent or as otherwise permitted by law.

Information Sharing and Disclosure

Service Providers

We share limited personal information with trusted third-party service providers who assist us in operating our platform, including cloud hosting providers, payment processors, and customer support tools. All service providers are contractually bound to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your personal information if required by Australian law, court order, or government request. This includes compliance with taxation obligations, anti-money laundering requirements, or law enforcement investigations.

Your Rights Under Australian Privacy Law

How to Exercise Your Rights

To exercise any of these rights, contact us using the details provided below. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests. There's no charge for most requests, though we may apply reasonable fees for excessive or repetitive requests.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, modification, disclosure, or destruction. Our security practices include:

• End-to-end encryption for sensitive financial data
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Staff training on privacy and security best practices
• Secure data centers with physical access controls
• Regular software updates and vulnerability management

While we take reasonable steps to protect your information, no internet-based service can guarantee complete security. We encourage you to use strong passwords and keep your login credentials confidential.

Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Specific retention periods include:

• Account information: Duration of your subscription plus 7 years for tax purposes
• Financial goal data: Until account deletion or 2 years after last activity
• Communication records: 3 years from last interaction
• Technical logs: 12 months for security monitoring
• Marketing data: Until you withdraw consent or 2 years of inactivity

After the retention period expires, we securely delete or de-identify your personal information unless longer retention is required by law.

Cookies and Tracking

Our website uses cookies and similar tracking technologies to enhance your experience and analyze usage patterns. We use the following types of cookies:

• Essential cookies for basic website functionality
• Analytics cookies to understand user behavior (with your consent)
• Preference cookies to remember your settings
• Security cookies for fraud prevention and account protection

You can manage cookie preferences through your browser settings, though disabling certain cookies may affect website functionality. We do not use cookies for cross-site tracking or behavioral advertising.

Children's Privacy

zenorithavonquelo's services are intended for users aged 18 and over. We do not knowingly collect personal information from children under 18 years old. If we discover that we have collected information from a child under 18, we will promptly delete such information from our systems.

Parents or guardians who believe their child has provided personal information to us should contact us immediately using the details below.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. We'll notify you of significant changes through email or prominent notices on our website at least 30 days before they take effect.

Your continued use of our services after policy changes indicates your acceptance of the updated terms. We encourage you to review this policy regularly to stay informed about how we protect your information.

Complaints and Disputes

If you have concerns about how we handle your personal information, please contact us first using the details below. We're committed to resolving privacy complaints promptly and fairly.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by calling 1300 363 992.