Privacy Policy
Last Updated: March 2025
At kelvarinope, we take your privacy seriously. This policy explains how we collect, use, store, and protect your personal information when you use our long-term budgeting services. We're committed to transparency and compliance with Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles.
Information We Collect
We collect different types of information depending on how you interact with our services. Some of this is information you give us directly, while other data is collected automatically when you use our platform.
Personal Information You Provide
When you create an account or use our budgeting tools, you might share:
- Your name, email address, and phone number
- Financial information like income, expenses, and savings goals
- Banking details if you connect accounts for tracking
- Payment information when subscribing to premium features
- Communication preferences and feedback you send us
Information Collected Automatically
Our systems collect technical data to help us improve your experience and keep things running smoothly. This includes your IP address, browser type, device information, and how you navigate through our site. We use cookies and similar technologies to remember your preferences and analyze usage patterns.
| Data Type | Purpose | Retention Period |
|---|---|---|
| Account Information | Service delivery and support | Duration of account plus 7 years |
| Financial Data | Budgeting analysis and reports | Duration of account plus 7 years |
| Usage Analytics | Platform improvement | 24 months |
| Communication Records | Support and compliance | 5 years from last contact |
How We Use Your Information
We're pretty straightforward about why we need your data. Mostly, it's about giving you the budgeting tools and insights you signed up for.
- Creating and managing your budgets, financial projections, and reports
- Processing payments and maintaining billing records
- Sending you service updates, educational content, and support messages
- Analyzing usage patterns to improve our platform and features
- Detecting fraud and ensuring security across our systems
- Complying with legal obligations and responding to lawful requests
Marketing Communications
We'll only send you marketing emails if you've opted in. You can unsubscribe anytime through the link in any email or by contacting us directly. Even if you opt out of marketing, we'll still send essential service notifications.
Sharing and Disclosure
We don't sell your personal information. Period. But we do work with carefully selected partners who help us run our services.
Service Providers
We share data with third-party providers who help with hosting, payment processing, email delivery, and analytics. These companies are contractually obligated to protect your information and can only use it for the specific services they provide to us.
Legal Requirements
Sometimes we're legally required to disclose information to government agencies, law enforcement, or in response to court orders. We'll only do this when legally obligated and will notify you unless prohibited by law.
Business Transfers
If kelvarinope merges with another company or sells assets, your information might be transferred as part of that transaction. You'd be notified beforehand, and any new entity would be bound by this privacy policy.
Data Security
We take security seriously because your financial information deserves proper protection. Our systems use industry-standard encryption both when data moves between your device and our servers and when it sits in our databases.
- 256-bit SSL encryption for all data transmission
- Encrypted storage of sensitive financial information
- Regular security audits and vulnerability assessments
- Strict access controls limiting who can view your data
- Multi-factor authentication options for your account
- Automated backup systems with encrypted storage
That said, no system is completely immune to breaches. We do our best to protect your data, but we can't guarantee absolute security. If we detect a data breach affecting your information, we'll notify you within the timeframes required by Australian law.
Your Rights
Under Australian privacy law, you have significant control over your personal information. Here's what you can do:
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this within 30 days of your request in a commonly used format.
Correct Inaccurate Information
Update or correct any personal details that are outdated or incorrect. You can do this through your account settings or by contacting our support team.
Delete Your Account
Request deletion of your account and associated data. We'll remove everything except what we're legally required to keep for compliance purposes.
Restrict Processing
Ask us to limit how we use your information while you contest accuracy or challenge our legal basis for processing it.
Data Portability
Receive your data in a machine-readable format so you can transfer it to another service provider if you choose.
Object to Processing
Object to how we process your data, particularly for direct marketing purposes or when based on legitimate interests.
How to Exercise Your Rights
Email us at info@kelvarinope.com with your request. We'll need to verify your identity before processing most requests. This usually takes 5-7 business days, though some complex requests might take up to 30 days. We'll keep you updated throughout the process.
Cookies and Tracking
Our site uses cookies to remember your preferences and analyze how people use our platform. You can control cookies through your browser settings, but disabling them might affect some functionality.
Types of Cookies We Use
- Essential cookies that make the site work properly
- Performance cookies that help us understand usage patterns
- Functionality cookies that remember your preferences
- Analytics cookies from Google Analytics for traffic analysis
Third-party analytics tools like Google Analytics collect anonymous data about site usage. We've configured these tools to respect user privacy and anonymize IP addresses where possible.
International Data Transfers
Your data is primarily stored on servers located in Australia. Some of our service providers operate internationally, which means your information might occasionally be processed overseas.
When we transfer data internationally, we ensure the receiving country has adequate privacy protections or implement additional safeguards like standard contractual clauses. We only work with providers who meet Australian privacy standards.
Children's Privacy
Our services aren't designed for anyone under 18. We don't knowingly collect information from children. If you're a parent who believes we've collected data about your child, contact us immediately and we'll delete it.
Changes to This Policy
We update this policy occasionally 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 site. The date at the top shows when we last updated this document.
We recommend checking this page periodically. Continued use of our services after changes become effective means you accept the updated policy.
Contact Us
Questions about this policy or how we handle your data? We're here to help.
info@kelvarinope.com
Phone
+61 402 783 905
Postal Address
4/2B 4 O'Connell St
Tamworth NSW 2340
Australia
Complaints and Disputes
If you're unhappy with how we've handled your personal information, please contact us first so we can try to resolve it. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner at www.oaic.gov.au or call 1300 363 992.