What Information We Collect

When you sign up for kalenoxivaro or use our services, we collect different types of information. Some you give us directly, some we collect automatically as you use our platform.

Information You Provide

This includes what you share when creating an account or using our tools:

• Your name, email address, and phone number
• Financial data you enter for forecasting and budgeting (income, expenses, financial goals)
• Payment information when you subscribe to our services
• Communications you send us through contact forms or support requests
• Any other information you choose to share when using our platform

Information We Collect Automatically

When you visit our website or use our app, we automatically gather certain technical data:

• Device information (browser type, operating system, device identifiers)
• Usage data (pages visited, features used, time spent on platform)
• IP address and general location information
• Cookies and similar tracking technologies (more on this below)

How We Use Your Information

We're not in the business of selling your data. We use what you share to provide and improve our services. Here's specifically what we do with your information:

We'll only use your financial data to provide the forecasting and budgeting services you've signed up for. And we won't share it with third parties for their marketing purposes—that's not how we operate.

Cookies and Tracking

Like most websites, we use cookies. These are small files stored on your device that help us remember your preferences and understand how you use our platform.

Types of Cookies We Use

• Essential Cookies: Required for the platform to function. You can't turn these off without breaking things.
• Performance Cookies: Help us understand which features are popular and where people struggle. These are anonymous.
• Functionality Cookies: Remember your settings and preferences between sessions.
• Analytics Cookies: Let us see overall usage patterns to improve the service.

You can control cookies through your browser settings. Just know that blocking some cookies might affect how well the platform works for you.

Data Sharing and Disclosure

We don't sell your personal information. Period. But we do share data in specific situations:

Service Providers

We work with trusted companies that help us run our business—hosting providers, payment processors, email services. They only get access to the information they need to do their job, and they're contractually obligated to protect it.

Legal Requirements

Sometimes we're legally required to share information—court orders, regulatory investigations, that sort of thing. We'll only share what's legally required and will notify you when possible unless prohibited by law.

Business Transfers

If kalenoxivaro is acquired or merged with another company, your information would be part of the transferred assets. We'd notify you before this happens and explain any changes to how your data is handled.

Your Rights Under Australian Privacy Law

The Australian Privacy Principles give you specific rights over your personal information. Here's what you can do:

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide it in a commonly used format within 30 days. There's no charge for reasonable requests, though we might charge for excessive or repetitive requests.

Correct Your Information

If something we have is wrong or outdated, let us know. You can update most information directly through your account settings, or contact us for help.

Delete Your Information

You can ask us to delete your personal information. We'll do this unless we have a legitimate reason to keep it (like ongoing legal obligations). Keep in mind that deletion means we can't provide services to you anymore.

Object to Processing

If you disagree with how we're using your information, you can object. We'll either stop that processing or explain why we need to continue.

Withdraw Consent

For any processing based on your consent, you can withdraw that consent anytime. This won't affect any processing we've already done, but we'll stop going forward.

Lodge a Complaint

If you're unhappy with how we've handled your information, you can complain to us first. If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Data Security and Protection

Protecting your financial information is one of our top priorities. We use industry-standard security measures:

• Encryption: All data transmitted between your device and our servers is encrypted using TLS 1.3 or higher.
• Secure Storage: Your data is stored on encrypted servers in Australian data centers.
• Access Controls: Only authorized personnel can access personal information, and only when necessary.
• Regular Audits: We conduct security assessments and vulnerability testing regularly.
• Backup Systems: We maintain secure backups to prevent data loss.

Despite our best efforts, no security system is completely foolproof. If we detect a data breach that poses a serious risk to you, we'll notify you and the OAIC as required by law.

Data Retention

We keep your information for as long as you're using our services. After you close your account, we'll retain some information for legitimate business purposes:

• Financial transaction records for 7 years (required by Australian tax law)
• Account information for 3 years after closure (for potential disputes or legal matters)
• Anonymized usage data indefinitely (for analytics and service improvement)
• Communications and support tickets for 2 years

After these periods, we'll either delete or anonymize your information so it can't be connected back to you.

International Data Transfers

We primarily store data in Australia, but some of our service providers operate internationally. When we transfer data overseas, we ensure it's protected through:

• Contracts that require equivalent privacy protections
• Transfers only to countries with adequate privacy laws
• Your explicit consent where required

Currently, some data processing occurs through US-based cloud services. These providers maintain security standards that meet or exceed Australian requirements.

Children's Privacy

kalenoxivaro's services are intended for adults who can enter into binding contracts. We don't knowingly collect information from anyone under 18. If you're a parent and believe we've collected information about your child, contact us immediately and we'll delete it.

Changes to This Policy

We'll update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email and through a prominent notice on our platform.

Continued use of our services after changes take effect means you accept the updated policy. If you don't agree with changes, you can close your account.