At zelariphyvo, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you use our monthly budgeting services.
We're committed to transparency and compliance with the Australian Privacy Principles under the Privacy Act 1988 (Cth). You have rights regarding your data, and we're here to help you exercise them.
Information We Collect
When you use zelariphyvo's budgeting services, we collect different types of information to provide you with personalized financial management tools. Here's what we gather and why:
Personal Identification Information
- Full name and contact details (email address, phone number)
- Residential address for verification purposes
- Date of birth to ensure age requirements are met
- Government-issued identification numbers when legally required
Financial Information
To help you manage your budget effectively, we collect:
- Income sources and amounts
- Expense categories and spending patterns
- Bank account information for transaction tracking (with your explicit consent)
- Payment card details for subscription management
- Financial goals and savings targets
Usage and Technical Data
We automatically collect certain information when you interact with our platform:
- Device information (type, operating system, browser)
- IP address and general location data
- Login times and feature usage patterns
- Pages visited and actions taken within the app
- Cookies and similar tracking technologies
How We Use Your Information
We use the information we collect for specific purposes that benefit your experience with zelariphyvo. Every piece of data serves a purpose, and we don't use it for anything beyond what's outlined here.
Primary Uses:
Your data powers your budgeting tools, helps us improve our services, and allows us to communicate important updates about your account. We analyze spending patterns to give you better insights and personalized recommendations.
- Creating and maintaining your zelariphyvo account
- Processing transactions and managing your subscription
- Providing personalized budget recommendations and financial insights
- Sending important notifications about your account or service updates
- Improving our platform based on usage patterns and feedback
- Detecting and preventing fraudulent activity or security breaches
- Complying with legal obligations and regulatory requirements
- Conducting research and analysis to develop new features
We'll never sell your personal information to third parties. Your financial data is yours, and we treat it with the respect it deserves.
Data Storage and Security
Your information is stored on secure servers located in Australia, ensuring compliance with local data protection laws. We've implemented multiple layers of security to protect your data from unauthorized access.
Security Measures
- 256-bit SSL encryption for all data transmissions
- Encrypted storage of sensitive financial information
- Regular security audits and vulnerability assessments
- Multi-factor authentication options for account access
- Strict access controls limiting who can view your data internally
- Automated backup systems with secure recovery protocols
Despite our best efforts, no system is completely immune to security risks. If we ever experience a data breach that affects your information, we'll notify you within 72 hours and explain what happened and what we're doing about it.
Data Retention: We keep your personal information for as long as your account is active. After account closure, we retain certain data for 7 years to comply with Australian financial record-keeping requirements. You can request earlier deletion of non-essential data at any time.
Your Privacy Rights
Under Australian privacy law, you have significant control over your personal information. Here's what you can do and how to do it:
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this within 30 days in a readable format.
Correct Inaccuracies
If any information we have is wrong or outdated, you can ask us to fix it. Most details can be updated directly in your account settings.
Delete Your Data
Request deletion of your personal information, subject to legal record-keeping requirements. We'll confirm completion within 45 days.
Restrict Processing
Ask us to limit how we use your information while we resolve any concerns you have about accuracy or processing.
Data Portability
Receive your data in a machine-readable format to transfer to another service provider if you choose to switch.
Withdraw Consent
Opt out of optional data processing activities. This won't affect data we're legally required to process.
To exercise any of these rights, email us at contact@zelariphyvo.com with "Privacy Request" in the subject line. We'll verify your identity and process your request promptly.
Sharing Your Information
We share your information only when necessary to provide our services or when required by law. Here's a complete breakdown of when and why we might share your data:
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Recipient Type
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Purpose
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Data Shared
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Payment Processors
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Processing subscription payments
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Payment card details, billing address
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Cloud Service Providers
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Hosting and data storage
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All account and financial data (encrypted)
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Analytics Partners
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Improving service performance
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Anonymized usage data only
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Legal Authorities
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Compliance with legal obligations
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As required by valid legal process
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Professional Advisors
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Legal and financial consulting
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Minimal data, subject to confidentiality
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All third-party service providers are bound by strict confidentiality agreements and can only use your data for the specific purposes we've authorized. We regularly review their security practices to make sure they meet our standards.
Cookies and Tracking Technologies
We use cookies and similar technologies to make zelariphyvo work better for you. Some are essential for basic functionality, while others help us understand how you use the platform.
Types of Cookies We Use
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Essential Cookies: Required for login, security, and basic functionality. These can't be disabled.
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Performance Cookies: Help us understand which features are popular and where users encounter problems.
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Preference Cookies: Remember your settings and choices for a personalized experience.
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Analytics Cookies: Provide insights into usage patterns so we can improve the service.
You can control non-essential cookies through your browser settings or our cookie preferences panel. Keep in mind that disabling certain cookies might affect your experience with some features.
International Data Transfers
While we primarily store data in Australia, some of our service providers operate globally. When we transfer your information internationally, we ensure appropriate safeguards are in place.
We only work with providers in countries with adequate data protection laws or who have agreed to standard contractual clauses approved by Australian authorities. Your data receives the same level of protection regardless of where it's processed.
Currently, some of our cloud infrastructure partners have servers in Singapore and the United States. These locations are used for backup redundancy and disaster recovery purposes only.
Children's Privacy
zelariphyvo is designed for adults aged 18 and over. We don't knowingly collect personal information from anyone under 18. If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can delete it.
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 and display a notice in the app.
The "Last Updated" date at the top shows when the most recent changes took effect. We encourage you to review this policy periodically to stay informed about how we're protecting your information.
Making a Complaint
If you're unhappy with how we've handled your personal information, we want to hear about it. Contact our privacy officer first, and we'll work to resolve your concerns within 30 days.
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). Visit their website at oaic.gov.au or call 1300 363 992.
