What Information We Collect

To help you prepare budgets and manage your finances effectively, we need certain information. Here's what we collect and why it matters:

Information You Give Us Directly

When you sign up for xenavethiqo or use our budgeting tools, you provide:

• Account details: Your name, email address, and phone number so we can create your account and contact you
• Financial information: Income details, expense categories, and budget goals you enter into our system
• Payment information: Credit card or bank details when you subscribe to our services (processed securely through certified payment providers)
• Communication records: Messages you send us through contact forms, emails, or support tickets

Information We Collect Automatically

Like most websites, we gather some technical data when you visit:

• Usage data: Which features you use, how often you log in, and what budget templates you prefer
• Device information: Your browser type, operating system, and screen resolution to optimize your experience
• Location data: General location based on IP address (we're talking city-level, not tracking your exact whereabouts)
• Cookies and tracking: Small files that remember your preferences and keep you logged in

How We Use Your Information

Your data serves specific purposes related to providing and improving our budgeting services. We don't sell your information to third parties or use it for purposes unrelated to xenavethiqo's services.

Data Sharing and Third Parties

We work with select partners to provide xenavethiqo's services. Each has been carefully vetted and is bound by strict data protection agreements.

Service Providers We Work With

• Payment processors: Secure providers that handle credit card transactions without us storing your full card details
• Cloud hosting: Australian-based servers that store your data with enterprise-grade security
• Email services: Platforms that send you account notifications and educational content
• Analytics tools: Services that help us understand usage patterns (with personal identifiers removed)

Legal Requirements

We may disclose your information if required by Australian law, court orders, or government regulations. This includes compliance with the Privacy Act 1988 and Australian Consumer Law. We'll notify you about such requests unless legally prohibited.

Business Transfers

If xenavethiqo is acquired or merges with another company, your information may transfer to the new entity. We'd notify you beforehand and ensure the new owner respects this privacy policy.

Your Rights Under Australian Privacy Law

The Privacy Act 1988 gives you specific rights regarding your personal information. Here's what you can do and how to exercise these rights:

We'll respond to rights requests within 30 days. For complex requests, we might need up to 60 days and we'll explain why.

Making a Complaint

If you're not satisfied with how we've handled your data, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). We'd prefer you contact us first so we can try to resolve the issue directly.

How We Protect Your Data

Financial information requires serious security measures. Here's what we do to keep your data safe:

• Encryption: All data transmitted between your device and our servers uses TLS 1.3 encryption
• Secure storage: Your financial data is encrypted at rest using AES-256 encryption standards
• Access controls: Only authorized xenavethiqo staff can access user data, and only when necessary for support
• Regular audits: We conduct quarterly security reviews and penetration testing
• Australian servers: Your data is stored on servers physically located in Australia
• Backup systems: Encrypted daily backups ensure data isn't lost due to technical failures

Data Retention and Deletion

We don't keep your data forever. Here's how long we retain different types of information:

Active Account Data

While your account is active, we keep your budget information, financial records, and account details. You need this data to use xenavethiqo's services effectively.

After Account Closure

When you close your account, we delete most personal data within 90 days. However, we retain certain information for legal and business purposes:

• Transaction records: 7 years (required by Australian tax law)
• Support communications: 3 years
• Aggregated analytics: Indefinitely (with personal identifiers removed)

Requesting Earlier Deletion

You can request immediate deletion of your data, though we may need to retain specific records for legal compliance. We'll delete everything else within 30 days of your request.

Cookies and Tracking Technologies

Cookies help xenavethiqo work properly and remember your preferences. Here's what we use:

Essential Cookies

These keep you logged in and remember your settings. You can't opt out of these because they're necessary for xenavethiqo to function.

Analytics Cookies

These help us understand which features people use and where they encounter problems. You can disable these in your account settings without affecting core functionality.

Managing Cookie Preferences

Most browsers let you block or delete cookies. Be aware that blocking essential cookies will prevent you from using xenavethiqo's services. You can adjust your preferences in your account settings or browser settings.

International Data Transfers

xenavethiqo primarily operates within Australia, and your data is stored on Australian servers. Occasionally, some service providers we work with may process data internationally. When this happens, we ensure:

• The receiving country has adequate privacy protections
• We have contractual agreements requiring data protection
• Data is encrypted during transfer
• You're notified about international transfers in advance

You have the right to object to international data transfers. Contact us if you have concerns about where your data is processed.

Children's Privacy

xenavethiqo's budget preparation services aren't designed for children under 18. We don't knowingly collect information from minors. If you're under 18, please don't create an account or provide personal information.

If we discover we've accidentally collected data from someone under 18, we'll delete it immediately. Parents who believe their child has provided information to xenavethiqo should contact us at support@xenavethiqo.com.

Changes to This Policy

We update this privacy policy occasionally to reflect new features, legal requirements, or improved practices. When we make significant changes, we'll notify you by email and display a notice when you log in.

The "Last Updated" date at the top shows when we last modified this policy. Continued use of xenavethiqo after changes means you accept the updated terms.

Major changes will include a 30-day notice period before taking effect, giving you time to review and decide whether to continue using our services.