Privacy Policy
Introduction
kalenqivorutha operates a comprehensive budget automation platform designed to help Australians take control of their financial lives. We understand that your privacy matters deeply, and frankly, it should. This policy explains exactly how we handle your personal information when you use our services at kalenqivorutha.com.
By using our platform, you're agreeing to the terms outlined in this policy. We've written this in plain English because legal jargon helps nobody. If something isn't clear, please reach out to us directly.
Information We Collect
Personal Information You Provide
Information We Collect Automatically
When you use our platform, we automatically collect certain technical information. This includes your IP address, browser type, device information, and how you interact with our services. We use cookies and similar technologies to enhance your experience and remember your preferences.
We never store your actual banking passwords or credentials. Our platform uses secure, read-only connections through regulated financial data providers to access your account information for budgeting purposes.
How We Use Your Information
Service Provision
We use your information to provide and maintain our budget automation services, including connecting to your financial accounts, categorizing transactions, and generating personalized budgeting insights.
Communication
We'll contact you about service updates, security notices, and account-related matters. You can control marketing communications through your account settings.
Platform Improvement
We analyze usage patterns to improve our services, develop new features, and fix technical issues. This analysis uses aggregated, non-identifying data whenever possible.
Information Sharing and Disclosure
We don't sell your personal information to third parties. That's not our business model, and honestly, we think it's wrong. However, we do share information in specific circumstances:
| Situation | Information Shared | Purpose |
|---|---|---|
| Service Providers | Necessary operational data | Platform hosting, payment processing, customer support |
| Financial Data Partners | Authentication credentials | Secure account connectivity for budgeting features |
| Legal Requirements | As required by law | Compliance with Australian regulations |
Data Security
We implement industry-standard security measures to protect your information. This includes encryption in transit and at rest, regular security audits, and strict access controls for our staff.
While we take security seriously, no system is completely foolproof. We'll notify you promptly if we discover any unauthorized access to your account information.
Your Privacy Rights
Under Australian Privacy Principles, you have several rights regarding your personal information:
Access and Correction
You can access and update most of your information directly through your account settings. For other requests, contact our privacy team, and we'll respond within 30 days.
Data Deletion
You can request deletion of your account and associated data at any time. We'll retain some information for legal compliance purposes as required by Australian financial regulations.
Complaint Process
If you have concerns about how we handle your information, please contact us first. If you're not satisfied with our response, you can lodge a complaint with the Australian Privacy Commissioner.
Data Retention
We keep your information only as long as necessary to provide our services and meet legal obligations. Financial transaction data is typically retained for seven years to comply with Australian tax and financial regulations.
When you close your account, we'll delete your personal information within 90 days, except for data we're legally required to retain. You'll receive confirmation once the deletion process is complete.
International Transfers
Your information is primarily stored and processed within Australia. When we use international service providers, we ensure they meet equivalent privacy standards through contractual obligations and certification requirements.
Any international transfers comply with Australian Privacy Principles and include appropriate safeguards to protect your information.
Cookies and Tracking
We use cookies to improve your experience on our platform. These include essential cookies for functionality, performance cookies to optimize our services, and preference cookies to remember your settings.
You can control cookie settings through your browser, though disabling certain cookies may affect platform functionality. We don't use advertising or tracking cookies from third-party companies.
Policy Updates
We'll update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and through in-platform notifications.
We recommend reviewing this policy periodically. The "Last Updated" date at the top indicates when changes were last made.
Contact Information
Address: 191 Nineteenth Ave, Elanora QLD 4221, Australia
Phone: +61434048850
Email: info@kalenqivorutha.com
Privacy Officer: privacy@kalenqivorutha.com