Information We Collect

Personal Information You Provide

When you sign up for xalenothira or use our services, you share certain information with us. Here's what we collect and why we need it:

• Account details: Your name, email address, phone number, and password to create and manage your account
• Financial information: Bank account details, transaction history, income data, and expense patterns to help you consolidate and manage your budget
• Identification documents: Government-issued ID and verification documents as required by Australian financial regulations
• Contact preferences: How you'd like us to communicate with you and what information you want to receive
• Support interactions: Any information you provide when you contact our support team

Information Collected Automatically

Some information gets collected automatically when you interact with our platform. This helps us improve your experience and keep your account secure:

• Device information: IP address, browser type, operating system, and device identifiers
• Usage data: How you navigate through our platform, which features you use most, and when you access our services
• Location data: General location based on IP address (we don't track your precise location)
• Security logs: Login attempts, security events, and authentication data to protect your account

How We Use Your Information

We use your personal information for specific purposes that directly relate to providing and improving our budget consolidation services. Here's a breakdown:

We don't use your financial data for advertising purposes. Your budget information stays private and is only used to help you manage your finances better.

Sharing Your Information

We don't sell your personal information. Period. However, we do share limited information with trusted partners who help us operate our services:

Service Providers

We work with companies that help us deliver our services. These partners are bound by strict confidentiality agreements and can only use your information for the specific purposes we authorize:

• Cloud hosting providers: AWS Australia for secure data storage and platform infrastructure
• Payment processors: Licensed Australian payment service providers for transaction processing
• Identity verification services: Trusted providers that help us verify your identity in compliance with Australian regulations
• Analytics platforms: Services that help us understand how people use xalenothira (with anonymized data where possible)
• Customer support tools: Platforms that help our team respond to your questions efficiently

Legal Requirements

Sometimes we're required by law to share information with government agencies or regulatory bodies. This might include:

• Responding to subpoenas, court orders, or legal processes
• Cooperating with law enforcement investigations
• Meeting our obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act
• Complying with tax reporting requirements

Business Transfers

If xalenothira is acquired by or merged with another company, your information would be transferred as part of that transaction. We'd notify you before your information becomes subject to a different privacy policy.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information. We've made it straightforward to exercise these rights:

Data Security

Protecting your financial information is our top priority. We use industry-standard security measures and continuously update our practices to stay ahead of emerging threats.

Technical Safeguards

• Encryption: All data transmitted between your device and our servers uses TLS 1.3 encryption. Sensitive data is encrypted at rest using AES-256 encryption
• Access controls: Strict role-based access limits who within xalenothira can view your information
• Authentication: Multi-factor authentication options to secure your account
• Network security: Firewalls, intrusion detection systems, and regular security audits
• Secure infrastructure: Data stored in Australian-based data centers with physical security measures

Organizational Measures

• Background checks for all employees with access to customer data
• Regular security training for our team
• Incident response procedures to quickly address any security concerns
• Annual third-party security assessments and penetration testing

While we work hard to protect your information, no system is completely secure. If we detect a data breach that might affect you, we'll notify you promptly and tell you what steps we're taking to address it.

Data Retention

We keep your information for as long as necessary to provide our services and meet legal requirements. Here's our general approach to data retention:

When we no longer need your information, we securely delete or anonymize it. You can request earlier deletion in some cases, though we may need to retain certain records for legal compliance.

International Data Transfers

Your data is primarily stored on servers located in Australia. However, some of our service providers operate globally, which may involve transferring your information overseas.

When we transfer data internationally, we ensure appropriate safeguards are in place:

• We only work with providers in countries with adequate privacy protections
• We use standard contractual clauses approved by Australian privacy regulators
• We require all international partners to maintain security standards equivalent to Australian requirements
• We limit international transfers to what's necessary for service delivery

Currently, data may be transferred to service providers in the United States and European Union. These transfers are governed by strict data processing agreements.

Cookies and Tracking

We use cookies and similar technologies to make xalenothira work properly and to understand how you use our platform. Here's what you should know:

Essential Cookies

These are necessary for the platform to function. They handle things like keeping you logged in and remembering your preferences. You can't opt out of these while using our service.

Analytics Cookies

These help us understand how people use xalenothira so we can make improvements. They collect information about which pages you visit and how long you spend on them. You can opt out of these in your account settings.

Managing Cookies

You can control cookies through your browser settings. Keep in mind that blocking certain cookies might affect how xalenothira works for you.

Children's Privacy

xalenothira is designed for adults managing their finances. We don't knowingly collect information from anyone under 18 years old. If you're under 18, please don't use our services or provide us with any personal information.

If we discover that we've inadvertently collected information from someone under 18, we'll delete it promptly. Parents or guardians who believe we might have information about a child should contact us at info@xalenothira.com.

Changes to This Policy

We update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our platform.

The "Last updated" date at the top of this policy shows when it was most recently revised. We encourage you to review this policy periodically to stay informed about how we protect your information.

If you continue using xalenothira after we post changes, that means you accept the updated policy. If you disagree with changes, you can close your account before they take effect.