Privacy Policy
Your privacy matters to us. This policy explains how zenaroclyvia collects, uses, and protects your personal information when you use our financial forecasting and budgeting platform.
1. Information We Collect
We collect information you provide directly to us, information we obtain automatically when you use our services, and information from third parties. The specific types of information we collect depend on how you interact with our platform.
Personal Information You Provide
- Account registration details including name, email address, and phone number
- Financial information you input for budgeting and forecasting purposes
- Communication preferences and marketing consent
- Customer support inquiries and correspondence
- Profile customization settings and preferences
Automatically Collected Information
- Device information including IP address, browser type, and operating system
- Usage patterns and interaction data with our platform features
- Location data based on IP address (country and city level)
- Session duration and frequency of platform access
- Error logs and technical diagnostic information
2. How We Use Your Information
zenaroclyvia uses your personal information to provide, maintain, and improve our financial planning services. We process your data based on legitimate business interests, contractual necessity, and your consent where required by law.
| Purpose | Legal Basis | Data Types |
|---|---|---|
| Service delivery and account management | Contractual necessity | Account details, financial data, usage information |
| Customer support and communication | Legitimate interest | Contact information, support tickets, correspondence |
| Platform improvement and analytics | Legitimate interest | Usage patterns, technical data, performance metrics |
| Marketing and promotional communications | Consent | Contact preferences, engagement history |
| Legal compliance and fraud prevention | Legal obligation | Account activity, transaction records, device information |
3. Information Sharing and Disclosure
We don't sell your personal information to third parties. However, we may share your information in specific circumstances outlined below, always in accordance with applicable privacy laws and our commitment to protecting your data.
Service Providers and Business Partners
We work with trusted third-party service providers who help us deliver our platform services. These partners include cloud hosting providers, payment processors, and analytics services. All service providers are contractually required to protect your information and use it only for the specific services they provide to us.
Legal Requirements
We may disclose your information when required by Australian law, court orders, or regulatory requests. This includes compliance with Australian Privacy Principles, taxation requirements, and financial services regulations that apply to our business operations.
Important Note About Data Sharing
zenaroclyvia never shares your detailed financial information or personal budgeting data with marketing companies, data brokers, or other third parties for their commercial purposes. Your financial privacy is fundamental to our service.
4. Data Security and Protection
We implement comprehensive security measures to protect your personal and financial information. Our security framework includes technical, administrative, and physical safeguards designed to prevent unauthorized access, disclosure, or misuse of your data.
Technical Security Measures
- 256-bit SSL encryption for all data transmission between your device and our servers
- Advanced encryption at rest for all stored personal and financial information
- Multi-factor authentication options for account access
- Regular security audits and penetration testing by independent security firms
- Automated monitoring systems for detecting and preventing suspicious activities
- Secure backup systems with encrypted storage and access controls
Administrative Safeguards
Our team members undergo background checks and receive regular privacy and security training. Access to personal information is restricted to employees who need it to perform their job functions, and all access is logged and monitored.
5. Your Privacy Rights Under Australian Law
As an Australian business, zenaroclyvia complies with the Privacy Act 1988 and the Australian Privacy Principles. You have specific rights regarding your personal information, and we're committed to helping you exercise these rights effectively.
Access Your Information
Request a copy of the personal information we hold about you, including details about how we've used and shared this information.
Correct Your Information
Ask us to update or correct inaccurate or incomplete personal information in our records.
Delete Your Information
Request deletion of your personal information, subject to legal and contractual retention requirements.
Restrict Processing
Limit how we use your information in certain circumstances while maintaining your account access.
Withdraw Consent
Opt out of marketing communications or withdraw consent for processing based on your agreement.
File a Complaint
Lodge a complaint with us or the Office of the Australian Information Commissioner if you have privacy concerns.
To exercise any of these rights, contact our Privacy Officer using the information provided at the end of this policy. We'll respond to your request within 30 days and may ask you to verify your identity before processing certain requests.
6. Data Retention and Deletion
We retain your personal information only as long as necessary to provide our services, comply with legal obligations, and protect our legitimate business interests. Different types of information have different retention periods based on their purpose and legal requirements.
| Information Type | Retention Period | Deletion Method |
|---|---|---|
| Account and profile information | Duration of account plus 2 years | Secure deletion from all systems |
| Financial planning data | 7 years after account closure | Encrypted archival then secure deletion |
| Usage and analytics data | 3 years from collection | Automated purge from analytics systems |
| Support communications | 5 years after resolution | Archive then secure deletion |
| Marketing preferences | Until consent withdrawn plus 1 year | Immediate removal from active lists |
When we delete your information, we use secure deletion methods that make the data unrecoverable. Backup copies are also deleted according to our backup retention schedule, typically within 90 days of the primary deletion.
7. International Data Transfers
While zenaroclyvia primarily operates within Australia, some of our service providers are located overseas. When we transfer your personal information internationally, we ensure appropriate safeguards are in place to protect your privacy rights.
Countries Where Data May Be Transferred
- United States - Cloud hosting and analytics services with Privacy Shield certified providers
- European Union - Customer support and development services under GDPR adequacy protections
- Singapore - Asian regional data processing with contractual safeguards
All international transfers comply with Australian Privacy Principle 8 and include contractual protections that require overseas recipients to handle your information with the same level of protection required under Australian privacy law.
8. Cookies and Tracking Technologies
zenaroclyvia uses cookies and similar technologies to enhance your experience, analyze platform usage, and provide personalized features. You can control cookie settings through your browser, though some features may not function properly with cookies disabled.
Types of Cookies We Use
- Essential cookies - Required for basic platform functionality and security
- Performance cookies - Help us understand how you use our platform to improve services
- Preference cookies - Remember your settings and customization choices
- Analytics cookies - Provide insights into user behavior and platform performance
We don't use advertising cookies or share cookie data with advertising networks. Our cookies are focused solely on improving your experience with our financial planning tools and services.
9. Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or service offerings. When we make significant changes, we'll notify you through email or prominent notices on our platform at least 30 days before the changes take effect.
Minor updates, such as clarifications or administrative changes, will be posted on our website with an updated effective date. We encourage you to review this policy regularly to stay informed about how we protect your privacy.
Policy Update Notifications
Significant changes to data collection, use, or sharing practices will always be communicated directly to you via email. You'll have the opportunity to review changes and make decisions about your account and data before new practices take effect.
Privacy Contact Information
For questions about this privacy policy or to exercise your privacy rights, contact our Privacy Officer:
Email: privacy@zenaroclyvia.sbs
Phone: +61 3 6724 2240
Mail: Privacy Officer, zenaroclyvia
2 Apollo Dr, Mackay QLD 4740, Australia
We aim to respond to all privacy inquiries within 5 business days and resolve requests within 30 days.