Privacy Policy

Effective Date: 1 January 2025

At calyventos, we take your privacy seriously. This isn't just legal boilerplate. We actually care about how your information gets used, stored, and protected.

We've written this policy in plain English because nobody benefits from confusing legal jargon. If something's unclear, reach out. We're happy to explain.

This policy applies to all services we provide through calyventos.com and covers how we handle information for Australian residents under the Privacy Act 1988 and Australian Privacy Principles.

Information We Collect

We collect different types of information depending on how you interact with our budget control platform. Here's what we gather and why:

Account Information

Your name, email address, phone number, and postal address. We need this to set up your account and stay in touch about your service.

Financial Data

Transaction details, budget categories, spending patterns. This is the core of what makes our service useful to you.

Technical Information

IP address, browser type, device information, and how you navigate our platform. Helps us improve performance and fix issues.

Communication Records

Support tickets, email exchanges, feedback you share with us. We keep these to provide better assistance and track issues.

We don't collect information we don't need. If we ask for something, there's a specific reason tied to making our service work better for you.

How We Use Your Information

The data we collect serves specific purposes. We're not in the business of hoarding information for the sake of it.

Providing and maintaining your budget control service, including transaction tracking and financial insights
Sending you service updates, security alerts, and support messages relevant to your account
Improving our platform based on usage patterns and identifying technical problems
Complying with legal obligations under Australian financial regulations
Preventing fraud and unauthorized access to accounts
Developing new features that might benefit your financial management

We never sell your personal information to third parties. That's not our business model, and it never will be.

Your Privacy Rights

Access Your Data Request a copy of all personal information we hold about you. We'll provide it within 30 days in a readable format.

Correct Inaccuracies Found something wrong in your records? Let us know and we'll fix it promptly. You can update most details directly in your account.

Delete Your Information Request deletion of your account and associated data. Some records may need retention for legal compliance, but we'll remove everything else.

Object to Processing You can object to certain uses of your information, particularly for marketing purposes. We'll respect your preferences.

Data Portability Take your data with you. Request an export in common file formats that you can use with other services.

How We Protect Your Information

Security isn't an afterthought. We've built multiple layers of protection into our platform:

Encryption

All data transmitted between your device and our servers uses industry-standard TLS encryption. Financial data is encrypted at rest.

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Access Controls

Only authorized staff can access user data, and only when necessary for support or maintenance. All access is logged.

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Monitoring

We actively monitor for suspicious activity, unauthorized access attempts, and potential security vulnerabilities.

We conduct regular security audits and update our practices as threats evolve. If we ever experience a data breach affecting your information, we'll notify you within 72 hours as required by Australian law.

Data Retention Periods

We don't keep your information forever. Different types of data have different retention schedules:

Data Type	Retention Period	Reason
Account Information	Duration of account + 3 years	Legal compliance and dispute resolution
Transaction Records	7 years from transaction date	Australian tax and financial regulations
Support Communications	3 years from last contact	Service quality and legal protection
Technical Logs	90 days	Security monitoring and troubleshooting
Marketing Preferences	Until you withdraw consent	Respecting your communication choices

When retention periods expire, we securely delete or anonymize the data so it can't be linked back to you.

Sharing Your Information

We share your information only when necessary and with strict limitations:

Service providers who help us operate our platform, like cloud hosting and email services. They're contractually required to protect your data.
Financial institutions when you connect bank accounts for transaction tracking. You control these connections.
Law enforcement or regulatory bodies when legally required. We'll notify you unless prohibited by court order.
Professional advisors like lawyers and accountants, but only for business operations and under confidentiality agreements.

We never share your information for marketing purposes by third parties. Your financial data stays between you, us, and the service providers essential to our operations.

Cookies and Tracking

Like most websites, we use cookies and similar technologies. Here's what that means:

Essential cookies keep you logged in and remember your preferences. Without these, the platform wouldn't function properly. We also use analytics cookies to understand how people use our service, which pages are confusing, and where we need improvements.

You can control cookie settings through your browser, but disabling essential cookies will affect functionality. We don't use third-party advertising cookies because we don't run ads on our platform.

International Data Transfers

Your data is primarily stored on servers located in Australia. However, some service providers we use have infrastructure in other countries.

When data leaves Australia, we ensure those providers meet strict privacy standards equivalent to Australian law. We use standard contractual clauses and verify their security practices before partnering with them.

If you're concerned about where specific types of your data are stored, contact us and we'll provide detailed information.

Changes to This Policy

We update this policy occasionally as our service evolves or regulations change. When we make significant changes, we'll email you at least 30 days before they take effect. Minor updates get posted here with a new effective date. We recommend checking this page every few months, though we'll always notify you of important changes.

Your Rights Under Australian Law

The Privacy Act 1988 and Australian Privacy Principles give you specific rights regarding your personal information. Beyond what we've outlined above, you can:

Complain to us if you believe we've mishandled your information. We'll investigate and respond within 30 days.
Lodge a complaint with the Office of the Australian Information Commissioner if you're unsatisfied with our response.
Request details about any overseas recipients of your data and the protections in place.
Ask us not to use your information for direct marketing. We'll stop immediately upon request.

We take privacy complaints seriously and have internal procedures to investigate and resolve issues quickly.

Questions About Your Privacy?

If anything in this policy is unclear or you want to exercise your privacy rights, get in touch:

Email: contact@calyventos.com

Phone: +61 419 136 417

Mail: 24-32 Lexington Dr, Winston Hills NSW 2153, Australia