Privacy Policy

Information We Collect

When you use cadenexoriva's budget consolidation platform, we collect information that helps us provide better financial management services. This includes details you provide directly and information gathered automatically through your interactions with our platform.

How We Use Your Information

Your information enables us to deliver effective budget consolidation services while maintaining account security. We process data to analyze spending patterns, suggest optimization strategies, and provide customer support when needed.

Communication purposes include sending account updates, security notifications, and educational content about financial management. We also use aggregated data to improve our platform's functionality and develop new features that benefit our user community.

Your Privacy Rights

Under Australian Privacy Principles and applicable data protection laws, you have several rights regarding your personal information. These rights ensure you maintain control over how your data is handled and processed.

To exercise these rights, contact our privacy team using the details provided below. We'll respond to requests within 30 days and may require identity verification to protect your information.

Data Security & Protection

We implement comprehensive security measures to protect your personal and financial information. Our systems use industry-standard encryption, secure data transmission protocols, and regular security assessments to prevent unauthorized access.

• End-to-end encryption for all financial data transmission and storage
• Multi-factor authentication options to secure account access
• Regular security audits and vulnerability assessments by independent experts
• Employee access controls with role-based permissions and monitoring
• Secure data centers with physical and environmental protection measures

Despite these protections, no system is completely secure. We encourage users to maintain strong passwords, enable two-factor authentication, and report any suspicious account activity immediately.

Data Retention & Deletion

We retain personal information only as long as necessary to provide our services or comply with legal obligations. Account data is typically kept for the duration of your active subscription plus seven years for financial record requirements under Australian law.

When you close your account, we begin a deletion process that removes personal information from active systems within 90 days. Some information may be retained in backup systems for up to 12 months for recovery purposes, then permanently deleted.

Certain data may be retained longer if required by law, such as transaction records for tax compliance or fraud prevention purposes. We'll inform you if extended retention applies to your information and the specific legal basis.

Information Sharing

cadenexoriva doesn't sell personal information to third parties. We may share limited information with service providers who help deliver our platform functionality, such as cloud hosting, payment processing, and customer support systems.

All third-party providers undergo security assessments and sign agreements requiring them to protect your information according to our standards. They can only use your data for specified purposes related to their services.

We may disclose information when required by law, court orders, or to protect our legal rights and user safety. In such cases, we'll notify affected users unless legally prohibited from doing so.