Privacy Policy
Your privacy matters to us. Here's how we protect and handle your personal information.
Introduction and Overview
At tarnisevaloq, we understand that managing your cash flow requires trust. When you share your financial information with us, you're placing confidence in our commitment to protect your privacy. This policy explains exactly how we collect, use, store, and safeguard your personal data in accordance with Australian Privacy Principles and the Privacy Act 1988.
We've written this policy in plain language because transparency shouldn't require a law degree. If you have questions about anything here, don't hesitate to reach out – we're happy to explain our practices in detail.
Last updated: March 2025. We review this policy regularly and will notify users of any significant changes via email or platform notification.
Information We Collect
Running a cash flow budgeting platform means we need certain information to provide our services effectively. Here's what we collect and why:
Account and Profile Information
- Full name and email address for account creation and communication
- Phone number for account verification and important notifications
- Business name and ABN if you're using our business features
- Payment information processed through our secure payment partners
Financial Data You Choose to Share
You control what financial information to input into our budgeting tools. This might include income streams, expense categories, bill amounts, and savings goals. We never access your bank accounts directly – all data entry is manual and at your discretion.
Usage and Technical Information
- How you interact with our platform features and tools
- Device information and browser type for compatibility
- IP address and location data for security purposes
- Session logs to troubleshoot technical issues
How We Use Your Information
Every piece of information we collect serves a specific purpose in delivering and improving our cash flow budgeting services:
| Information Type | Primary Use | Additional Uses |
|---|---|---|
| Contact Details | Account management, customer support | Important updates, security alerts |
| Financial Data | Budgeting calculations, cash flow analysis | Personalized recommendations, trend analysis |
| Usage Patterns | Platform optimization, feature development | User experience improvements |
| Technical Data | Security monitoring, fraud prevention | Performance optimization |
We generate insights from aggregated, anonymized data to improve our budgeting tools, but individual financial information remains private and is never used for marketing to third parties.
Data Storage and Security
Your financial information deserves the highest level of protection. We've implemented multiple layers of security to keep your data safe:
Technical Safeguards
- 256-bit SSL encryption for all data transmission
- AES-256 encryption for data stored in our Australian-based servers
- Regular security audits by independent cybersecurity firms
- Multi-factor authentication available for all user accounts
- Automated monitoring for unusual access patterns
Operational Security
Our team undergoes regular security training, and access to personal data is restricted to employees who need it for their specific job functions. We maintain detailed access logs and conduct regular reviews of who can view what information.
All data is stored on servers located in Australia and subject to Australian privacy laws. We do not transfer personal information outside of Australia without explicit consent or legal requirement.
Sharing and Disclosure
We don't sell your personal information. Period. However, there are specific circumstances where we may share certain data:
Service Providers
We work with trusted third-party providers for essential services like payment processing, email delivery, and cloud hosting. These partners are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.
Legal Requirements
- Court orders or subpoenas requiring disclosure
- Australian Taxation Office requests under legal authority
- AUSTRAC reporting obligations for certain financial transactions
- Emergency situations involving imminent threat to safety
Business Changes
If tarnisevaloq is acquired or merges with another company, your information would be transferred as part of that transaction. We would notify you at least 30 days in advance and ensure the new entity maintains the same privacy standards.
Your Rights and Choices
Under Australian privacy law, you have significant control over your personal information. Here's what you can do:
Access and Portability
You can request a complete copy of all personal information we hold about you. We'll provide this in a commonly used electronic format within 30 days. There's no charge for your first request each year, though we may charge a reasonable fee for additional requests.
Correction and Updates
Found incorrect information in your profile? You can update most details directly through your account settings. For changes that require verification or affect your financial data, contact our support team and we'll help you make corrections promptly.
Deletion and Account Closure
You can delete your account and associated data at any time through your account settings. We'll retain some information for legal compliance purposes (typically 7 years for financial records), but we'll delete everything else within 90 days of your request.
To exercise any of these rights, email us at privacy@tarnisevaloq.com with your request. We'll verify your identity and respond within 30 days.
Data Retention
We keep your information only as long as necessary for the purposes outlined in this policy:
| Data Type | Retention Period | Reason |
|---|---|---|
| Account Information | Duration of account + 7 years | Legal compliance, tax obligations |
| Financial Data | Duration of account + 7 years | Australian record-keeping requirements |
| Usage Logs | 2 years | Security analysis, fraud prevention |
| Marketing Communications | Until unsubscribe + 30 days | Preference management |
Cookies and Tracking
Our platform uses cookies and similar technologies to enhance your experience and ensure security. Here's what we use:
Essential Cookies
- Session management to keep you logged in securely
- Security tokens to prevent unauthorized access
- Preference settings you've customized in your account
Analytics and Performance
We use analytics tools to understand how users interact with our platform, helping us identify areas for improvement and optimize performance. This data is aggregated and anonymized.
You can control cookie settings through your browser, though disabling essential cookies may affect platform functionality.
Changes to This 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 you through:
- Email notification to your registered address
- Prominent notice on the tarnisevaloq platform
- Updated version date at the top of this policy
Minor clarifications or formatting changes may be made without notification, but substantial changes will always be communicated clearly.
Privacy Questions or Concerns?
245 Albert St, Brisbane City QLD 4000, Australia
Phone: +61 7 3188 3778
Email: privacy@tarnisevaloq.com
You also have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC) if you believe we've handled your personal information inappropriately.
This Privacy Policy was last updated on 15 March 2025 and is effective immediately for all tarnisevaloq users.