Privacy Policy

Information We Collect

quantrierava collects personal information to provide you with our smart budgeting services and improve your financial management experience. We're transparent about what we collect and why we need it.

How We Use Your Information

Your personal information helps us deliver personalised budgeting tools and maintain a secure, reliable service. We use your data responsibly and only for legitimate business purposes.

• Provide and maintain our smart budgeting platform and related services
• Personalise your budgeting experience based on your financial goals and preferences
• Send important account notifications and service updates via email or SMS
• Improve our platform through usage analysis and user feedback integration
• Provide customer support and respond to your enquiries promptly
• Ensure platform security and prevent fraudulent or unauthorised access
• Comply with legal obligations and regulatory requirements in Australia

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share certain information in specific circumstances to provide our services or meet legal requirements.

We may share your information with:

• Service providers who help us operate our platform, including cloud hosting and payment processing
• Professional advisors such as lawyers, accountants, and auditors when necessary
• Regulatory authorities when required by Australian privacy laws or court orders
• Business partners only with your explicit consent for specific collaborative features
• Other parties in connection with a business transaction, such as a merger or acquisition

All third parties are contractually bound to protect your information and use it only for specified purposes.

Data Security and Protection

We take data security seriously and implement multiple layers of protection to safeguard your personal information. Our security measures include industry-standard encryption, secure data centers, and regular security assessments.

Our security practices include:

• SSL/TLS encryption for all data transmission between your device and our servers
• Advanced encryption for sensitive financial data stored in our secure databases
• Regular security audits and penetration testing by independent security firms
• Multi-factor authentication options to protect your account access
• Restricted access to personal data on a need-to-know basis among our staff
• Comprehensive incident response procedures in case of any security events

Your Privacy Rights Under Australian Law

Your rights include:

• Access: Request access to the personal information we hold about you, including how we collect, use, and disclose it
• Correction: Request correction of inaccurate, outdated, or incomplete personal information
• Deletion: Request deletion of your personal information where legally permissible
• Objection: Object to certain uses of your personal information, particularly for direct marketing
• Portability: Request a copy of your personal information in a portable format
• Complaints: Lodge a complaint about our handling of your personal information

To exercise these rights, contact us using the details below. We'll respond within 30 days and may request identity verification for security purposes. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services, comply with legal obligations, and resolve disputes. Different types of information have different retention periods based on their purpose and legal requirements.

Our retention practices:

• Active account data is retained while your account remains active and for 12 months after closure
• Financial budgeting data is kept for 7 years to comply with Australian financial record-keeping requirements
• Communication records are retained for 3 years for customer service and dispute resolution purposes
• Marketing communications data is deleted within 30 days of unsubscription
• Security logs and fraud prevention data may be retained longer as required by law

When we delete your information, we use secure deletion methods to ensure it cannot be recovered. Some information may remain in backup systems for up to 90 days before permanent deletion.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyse how our services are used. You can control cookie settings through your browser preferences.

We use the following types of cookies:

• Essential cookies: Required for basic platform functionality and security
• Preference cookies: Remember your settings and personalisation choices
• Analytics cookies: Help us understand how you use our platform to improve services
• Marketing cookies: Used to deliver relevant content and measure campaign effectiveness

Most web browsers automatically accept cookies, but you can modify your browser settings to decline cookies. Please note that disabling certain cookies may limit some platform functionality.

International Data Transfers

While quantrierava operates primarily within Australia, some of our service providers may process data internationally. When we transfer personal information overseas, we ensure appropriate safeguards are in place to protect your privacy rights.

For international transfers, we:

• Only work with countries that have adequate privacy protection as recognised by Australian law
• Implement contractual safeguards that require recipients to protect your information
• Conduct due diligence on international service providers' privacy practices
• Maintain records of all international data transfers as required by Australian privacy law

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you through email or prominent notices on our platform.

We encourage you to review this policy regularly to stay informed about how we protect your privacy. The "effective date" at the top of this policy indicates when the current version was last updated. Continued use of our services after policy changes constitutes acceptance of the updated terms.