Privacy Policy
At qylplehalylo, we understand that managing personal finances requires trust. When you use our budget preparation tools and educational resources, you share sensitive financial information with us. This privacy policy explains exactly how we collect, use, protect, and handle your personal data in accordance with Australian privacy laws.
We've written this policy in plain English because financial privacy shouldn't be complicated. If you have questions about anything here, please reach out to us directly.
Information We Collect
Personal Information You Provide
When you create an account or use our budget preparation services, we collect:
- Your name, email address, and phone number
- Financial information including income, expenses, and budget goals
- Banking details for account integration (encrypted and tokenized)
- Communication preferences and educational interests
- Any information you include in support requests or feedback
Automatically Collected Information
Our systems automatically collect technical information to improve your experience:
- Device information and browser type
- IP address and general location data
- Usage patterns and feature interactions
- Session duration and page navigation
- Error logs and performance data
Financial Data Security
We use bank-level encryption for all financial information. Your banking credentials are never stored on our servers - we use secure, tokenized connections through certified financial data providers that comply with Australian banking security standards.
How We Use Your Information
| Purpose | Information Used | Legal Basis |
|---|---|---|
| Budget preparation and analysis | Financial data, goals, preferences | Service delivery |
| Account management | Contact details, preferences | Contract performance |
| Educational content delivery | Learning preferences, progress | Legitimate interest |
| Customer support | All relevant account information | Service delivery |
| Service improvement | Usage data, feedback | Legitimate interest |
We never use your financial information for marketing purposes or share it with third parties for their commercial benefit. Your budget data stays private and is only used to provide you with better financial guidance.
Information Sharing and Disclosure
When We Share Information
We only share your personal information in these specific circumstances:
- Service Providers: Encrypted data with our technology partners who help deliver our services (cloud hosting, payment processing, customer support tools)
- Legal Requirements: When required by Australian law, court orders, or regulatory authorities
- Business Protection: To prevent fraud, protect our rights, or ensure platform security
- Emergency Situations: If necessary to protect someone's safety or prevent harm
Third-Party Services
We work with carefully selected partners who meet our privacy standards:
- Australian cloud hosting providers for secure data storage
- Certified financial data aggregators for bank connections
- Payment processors for subscription management
- Analytics tools (with anonymized data only) for service improvement
We never sell, rent, or trade your personal information to third parties for marketing purposes. Your financial privacy is not for sale.
Your Privacy Rights
Access Your Data
Request a copy of all personal information we hold about you, including how we obtained it and who we've shared it with.
Correct Information
Update or correct any inaccurate personal information in your account at any time through your dashboard or by contacting us.
Delete Your Data
Request deletion of your personal information, subject to any legal retention requirements or active service agreements.
Restrict Processing
Limit how we use your information while maintaining your account, such as opting out of marketing communications.
Data Portability
Receive your personal data in a structured format that you can transfer to another service provider if you choose.
Object to Processing
Object to our use of your information for specific purposes, particularly for marketing or analytics activities.
How to Exercise Your Rights
To exercise any of these rights, simply email us at contact@qylplehalylo.com with your request. We'll respond within 30 days and verify your identity before processing any requests. Most account information can be updated directly through your dashboard.
If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
Data Security and Protection
Security Measures
We implement multiple layers of security to protect your information:
- 256-bit SSL encryption for all data transmission
- AES-256 encryption for data at rest
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Staff security training and background checks
- Secure development practices and code reviews
Data Breach Response
In the unlikely event of a data breach affecting your personal information, we will:
- Notify you within 72 hours of becoming aware of the breach
- Explain what information was involved and the likely consequences
- Describe the measures we're taking to address the breach
- Provide recommendations for protecting yourself
- Report to relevant authorities as required by law
Data Retention and Deletion
Retention Periods
We keep your information only as long as necessary:
- Account Data: Retained while your account is active plus 2 years after closure
- Financial Information: Deleted within 90 days of account closure unless required for legal compliance
- Support Communications: Kept for 3 years for quality assurance and legal purposes
- Analytics Data: Anonymized and retained for up to 5 years for service improvement
- Legal Records: Retained as required by Australian financial services regulations (typically 7 years)
Automated Deletion
Our systems automatically delete expired data according to these schedules. You can request immediate deletion of your account and associated data at any time, subject to any legal retention requirements.
International Data Transfers
Your personal information is primarily stored and processed within Australia. When we do transfer data internationally, we ensure appropriate safeguards:
- Transfers only to countries with adequate privacy protections
- Contractual agreements requiring equivalent privacy standards
- Additional encryption for international data transmission
- Regular audits of international service providers
We currently use some cloud services with servers in Singapore and the United States, both of which have been assessed as providing adequate protection for Australian personal information.
Cookies and Tracking Technologies
Cookie Usage
We use cookies and similar technologies to improve your experience:
- Essential Cookies: Required for basic functionality like login and security
- Preference Cookies: Remember your settings and personalization choices
- Analytics Cookies: Help us understand how you use our service (anonymized data)
- Security Cookies: Detect and prevent fraudulent activity
You can control cookie settings through your browser, though disabling essential cookies may affect functionality. We don't use advertising cookies or tracking pixels for marketing purposes.
Children's Privacy
Our services are designed for adults managing their personal finances. We don't knowingly collect personal information from children under 13. If we discover we've collected information from a child, we'll delete it immediately and terminate any associated account.
For users aged 13-17, we require parental consent before collecting any personal information and provide additional privacy protections as required by Australian law.
Changes to This Policy
We review and update this privacy policy annually or when we make significant changes to our data practices. When we update this policy, we will:
- Email you about material changes at least 30 days in advance
- Post the updated policy on our website with a new effective date
- Highlight key changes in plain language
- Give you the opportunity to review and accept the changes
Continued use of our services after the effective date constitutes acceptance of the updated policy.
Privacy Contact Information
If you have questions about this privacy policy or want to exercise your privacy rights, please contact us:
For complaints about our privacy practices, you can also contact the Office of the Australian Information Commissioner at oaic.gov.au or 1300 363 992.