Privacy Policy

Introduction

At joraviselent, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and safeguard your data when you use our budget strategy platform and financial services. We comply with the Privacy Act 1988 (Commonwealth) and the Australian Privacy Principles (APPs) in our handling of personal information.

By using our services, you consent to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

We collect various types of information to provide and improve our services to you. This includes information you provide directly and information we collect automatically through your use of our platform.

How We Use Your Information

We use the information we collect for various purposes related to providing and improving our financial services:

• To provide personalized budget strategy recommendations and financial planning tools
• To communicate with you about your account, services, and important updates
• To process transactions and maintain accurate financial records
• To improve our platform functionality and develop new features
• To comply with legal obligations and regulatory requirements
• To detect and prevent fraud, security threats, and other harmful activities
• To provide customer support and respond to your inquiries

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in certain limited circumstances:

Service Providers

We work with trusted third-party service providers who assist us in operating our platform, conducting business, and providing services to you. These providers include payment processors, data analytics companies, and customer support platforms. All service providers are required to maintain the confidentiality of your information.

Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction. We will notify you of any such change in ownership or control of your personal information.

Data Security and Protection

We implement comprehensive security measures to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction.

While we strive to protect your information using commercially acceptable means, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but continuously work to improve our protective measures.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information:

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within 30 days and may require verification of your identity before processing your request.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The retention period varies depending on the type of information and the purpose for which it was collected.

• Account information is retained while your account remains active and for seven years after account closure for regulatory compliance
• Financial transaction records are kept for seven years as required by Australian financial services regulations
• Marketing communications preferences are retained until you withdraw consent
• Technical and usage data is typically retained for two years for analytical purposes

Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to enhance your experience on our platform, analyze usage patterns, and provide personalized content.

Types of Cookies We Use

• Essential cookies that are necessary for the platform to function properly
• Analytics cookies to understand how users interact with our services
• Functional cookies to remember your preferences and settings
• Marketing cookies to deliver relevant advertisements and measure campaign effectiveness

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some functionality of our platform.

International Data Transfers

While we primarily store and process your information within Australia, some of our service providers may be located overseas. When we transfer personal information internationally, we ensure appropriate safeguards are in place to protect your data in accordance with Australian privacy laws.

Countries where your data may be processed include the United States, European Union member states, and Singapore. We only work with providers that maintain adequate data protection standards and have appropriate contractual arrangements in place.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on our website and sending you an email notification if you have an account with us.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after any modifications indicates your acceptance of the updated Privacy Policy.