Privacy Policy

Personal Information You Provide

When you create an account with monavexedori or use our cash flow budgeting services, we collect information you voluntarily provide, including:

• Name, email address, and contact details
• Financial information necessary for budgeting analysis
• Business information including company name and industry type
• Communication preferences and account settings
• Payment information for subscription services

Automatically Collected Information

Our platform automatically collects certain technical information when you visit or use our services:

• IP address, browser type, and operating system details
• Usage patterns, page views, and time spent on platform features
• Device information including screen resolution and mobile device identifiers
• Cookies and similar tracking technologies data
• Location information (with your permission) for localised financial insights

Information from Third Parties

In certain circumstances, we may receive information about you from:

• Business partners who refer you to our services
• Financial data providers (with your explicit consent)
• Public databases for business verification purposes
• Marketing partners for advertising attribution

Primary Service Delivery

Your personal information enables us to provide and improve our cash flow budgeting platform:

• Creating and maintaining your personal account
• Processing your financial data for budgeting analysis
• Generating personalised financial insights and recommendations
• Providing customer support and technical assistance
• Processing payments and managing subscription services

Communication and Updates

We use your contact information to:

• Send important account updates and service notifications
• Deliver requested financial reports and analysis summaries
• Respond to your inquiries and support requests
• Share educational content about cash flow management (with your consent)
• Notify you about new features and platform improvements

Legal and Security Purposes

We may process your information when necessary for:

• Compliance with Australian financial regulations and legal obligations
• Fraud prevention and security monitoring
• Protecting the rights and safety of our users and platform
• Investigating potential violations of our terms of service

We Never Sell Your Personal Information

monavexedori does not sell, rent, or trade your personal information to third parties for their marketing purposes. Your financial data and personal details remain confidential and are only shared in the limited circumstances outlined below.

Authorised Service Providers

We may share your information with trusted service providers who help us deliver our platform:

• Cloud hosting providers for secure data storage
• Payment processors for subscription and billing services
• Customer support platforms for inquiry management
• Analytics providers for platform performance monitoring
• Security services for fraud prevention and platform protection

Legal Requirements and Protection

We may disclose your information when required by law or to protect legitimate interests:

• Compliance with court orders, subpoenas, or legal proceedings
• Meeting regulatory requirements from Australian financial authorities
• Protecting against fraud, abuse, or security threats
• Enforcing our terms of service and user agreements

Your Explicit Consent

We will only share your information with third parties for purposes beyond those listed above if you provide explicit, informed consent. You can withdraw this consent at any time through your account settings.

Technical Safeguards

We implement comprehensive security measures to protect your personal and financial information:

• AES-256 encryption for data storage and transmission
• Secure Socket Layer (SSL) certificates for all data transfers
• Multi-factor authentication for account access
• Regular security audits and vulnerability assessments
• Restricted access controls with role-based permissions
• Automated backup systems with encrypted storage

Operational Security Practices

Our team follows strict security protocols:

• Background checks for all employees with data access
• Regular security training and awareness programs
• Incident response procedures for potential security breaches
• Secure development practices and code review processes
• Physical security measures for servers and equipment

Your Role in Security

You can help protect your account by:

• Using strong, unique passwords for your monavexedori account
• Enabling two-factor authentication when available
• Logging out of your account on shared or public computers
• Monitoring your account for unusual activity
• Keeping your contact information updated for security notifications

Access and Portability Rights

Under Australian privacy law, you have the right to:

• Request a copy of all personal information we hold about you
• Receive your data in a structured, commonly used format
• Transfer your data to another service provider
• Understand how your information is being processed and used

Correction and Update Rights

You can request corrections to your personal information:

• Update your profile information directly through your account settings
• Request corrections to inaccurate or outdated information
• Add context to information that may be incomplete
• Verify the accuracy of automated decisions affecting you

Deletion and Restriction Rights

In certain circumstances, you may request that we:

• Delete your personal information and close your account
• Restrict processing of your information for specific purposes
• Stop using your information for direct marketing
• Remove your information from our systems after legal retention periods

Complaint Resolution

If you believe we have not handled your personal information appropriately:

• Contact our Privacy Officer directly to discuss your concerns
• We will investigate your complaint and respond within 30 days
• If unsatisfied with our response, you may contact the Office of the Australian Information Commissioner
• You have the right to seek independent legal advice regarding your privacy rights

How Long We Keep Your Information

We retain your personal information for different periods based on the type of data and legal requirements:

• Account Information: Retained while your account is active plus 7 years for legal compliance
• Financial Data: Kept for 7 years after account closure as required by Australian tax law
• Communication Records: Maintained for 3 years for customer service purposes
• Technical Data: Automatically deleted after 2 years unless needed for security purposes
• Marketing Data: Removed immediately upon unsubscribing or account deletion

Secure Deletion Process

When retention periods expire, we securely delete your information using:

• Cryptographic erasure for encrypted data
• Multi-pass overwriting for sensitive information
• Physical destruction of storage media when necessary
• Verification processes to ensure complete data removal

International Data Transfers

Your information is primarily stored and processed within Australia. However, some of our service providers may process data internationally:

• We ensure all international transfers comply with Australian privacy laws
• Service providers must meet equivalent privacy protection standards
• We use contractual safeguards to protect your information during transfers
• You will be notified if we begin using service providers in new jurisdictions

Types of Cookies We Use

Our platform uses several types of cookies and similar technologies:

• Essential Cookies: Required for basic platform functionality and security
• Performance Cookies: Help us understand how you use our platform to improve user experience
• Functional Cookies: Remember your preferences and settings
• Analytics Cookies: Provide insights into platform usage and performance

Managing Your Cookie Preferences

You have control over cookies through:

• Browser settings to block or delete cookies
• Our cookie preference center in your account settings
• Opting out of analytics tracking while maintaining functionality
• Third-party opt-out tools for advertising cookies

Third-Party Analytics

We use analytics services to understand platform performance:

• These services may collect anonymised usage data
• Data is used solely for platform improvement purposes
• You can opt out of analytics tracking without affecting core functionality
• We do not use analytics data for advertising or marketing to third parties

Age Restrictions

monavexedori's cash flow budgeting platform is designed for adult users and businesses:

• Our services are not intended for individuals under 18 years of age
• We do not knowingly collect personal information from minors
• Parents or guardians who discover their child has provided information should contact us immediately
• We will promptly delete any information collected from underage users

Business Account Considerations

For business accounts, additional privacy considerations apply:

• Account administrators are responsible for ensuring team member consent
• Business owners must inform employees about data collection and use
• Individual team members retain rights over their personal information
• Business data may be subject to different retention requirements

Sensitive Information

We take extra care with sensitive personal information:

• Health information is only collected if specifically relevant to financial planning
• We do not collect information about political opinions, religious beliefs, or sexual orientation
• Any sensitive information is processed with heightened security measures
• You can request removal of sensitive information at any time

Accessibility and Support

We provide privacy support for users with special needs:

• Alternative formats for privacy information upon request
• Assistance with privacy rights requests for users with disabilities
• Clear, plain language explanations of our privacy practices
• Multiple contact methods for privacy-related inquiries

Policy Updates

We may update this privacy policy to reflect changes in our practices, services, or legal requirements:

• Material changes will be communicated via email to active users
• Minor updates may be posted on our platform with updated effective dates
• We will maintain previous versions of our policy for reference
• Significant changes will include a clear summary of modifications

Your Continued Use

Following policy updates:

• Continued use of our platform constitutes acceptance of the revised policy
• You may contact us with questions about any changes
• If you disagree with updates, you may close your account
• We will honour the previous policy for data collected under those terms