kelivaranvo - Master Your Money with Minimalist Budgeting

Introduction

kelivaranvo ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at kelivaranvo.com or use our minimalist budgeting services.

We operate in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and other applicable Australian privacy laws. This policy applies to all personal information we collect about individuals in Australia and overseas.

By using our services, you consent to the collection and use of your information as described in this Privacy Policy. If you do not agree with the terms of this policy, please do not access or use our services.

Information We Collect

Personal Information

We collect information that can identify you personally, including:

Contact Information: Name, email address, phone number, postal address
Account Information: Username, password (encrypted), security questions
Financial Information: Income details, expense categories, budget goals (stored securely)
Demographic Information: Age range, occupation (optional)
Communication Records: Messages sent through our contact forms or support channels

Non-Personal Information

We also collect non-identifying information automatically:

Usage Data: Pages visited, time spent on site, click patterns
Device Information: Browser type, operating system, IP address
Cookies and Similar Technologies: Session data, preferences, analytics

We collect this information when you register for an account, use our budgeting tools, contact our support team, or simply browse our website. Some information is provided directly by you, while other data is collected automatically through your interaction with our services.

How We Use Your Information

We use the collected information for several legitimate business purposes:

Service Provision

Creating and managing your budgeting account
Processing your financial data to provide personalised budget recommendations
Sending service-related communications and updates
Providing customer support and responding to your inquiries

Service Improvement

Analysing usage patterns to enhance our budgeting tools
Conducting research to develop new features
Testing and optimising our website performance
Understanding user preferences to improve user experience

Communication

Sending educational content about budgeting and financial wellness
Notifying you about important changes to our services
Responding to your questions and feedback

We will only use your personal information for the purposes stated in this policy or as otherwise permitted by law. We do not sell your personal information to third parties for marketing purposes.

Information Sharing and Disclosure

We value your privacy and limit the sharing of your personal information. We may disclose your information in the following circumstances:

Service Providers

We work with trusted third-party service providers who assist us in operating our business. These may include:

Cloud hosting and data storage providers
Email communication services
Analytics and website optimisation tools
Customer support platforms

These providers are bound by strict confidentiality agreements and can only use your information to provide services to us.

Legal Requirements

We may disclose your information if required by Australian law or if we believe such disclosure is necessary to:

Comply with legal obligations or court orders
Protect our rights, property, or safety
Prevent fraud or other illegal activities
Respond to government or regulatory inquiries

Business Transfers

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

Your Rights and Choices

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

Access Right

You can request access to the personal information we hold about you. We will provide this information within 30 days of your request, subject to identity verification.

Correction Right

If you believe any information we hold about you is inaccurate or incomplete, you can request corrections. We will update your information promptly.

Deletion Right

You can request deletion of your personal information, subject to our legal obligations and legitimate business needs for record-keeping.

Objection Right

You can object to certain uses of your information, particularly for direct marketing purposes. We will respect your preferences.

Data Portability

You can request a copy of your data in a structured, commonly used format for transfer to another service provider.

Complaint Right

You have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC) about our handling of your personal information.

To exercise any of these rights, please contact us using the details provided at the end of this policy. We may ask you to verify your identity before processing your request.

Data Security

Our Security Measures

We implement comprehensive security measures to protect your personal information:

Encryption: All data transmissions are encrypted using industry-standard SSL/TLS protocols
Access Controls: Strict employee access controls with role-based permissions
Regular Audits: Ongoing security assessments and vulnerability testing
Secure Storage: Data stored in secure, Australian-based cloud infrastructure
Backup Systems: Regular encrypted backups with secure recovery procedures

While we take every reasonable precaution to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but are committed to protecting your data using industry best practices.

If we become aware of a data breach that may pose a serious risk to your privacy, we will notify you and the Australian Privacy Commissioner as required by law.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with our legal obligations, and resolve disputes.

Account Active

Personal and financial data: Retained for the duration of your active account to provide ongoing budgeting services and support.

7 Years

Financial records: Maintained for seven years after account closure to comply with Australian taxation and financial record-keeping requirements.

3 Years

Communication records: Customer support interactions and communications retained for three years for quality assurance and dispute resolution.

2 Years

Usage analytics: Website usage data and analytics retained for two years to improve our services and user experience.

Immediate

Marketing preferences: Deleted immediately upon request or account closure, unless you specifically opt-in to continue receiving updates.

At the end of these retention periods, we securely delete or anonymise your personal information unless we are required by law to retain it longer.

International Data Transfers

Your personal information is primarily stored and processed within Australia. However, some of our trusted service providers may process data in other countries with adequate privacy protections.

When we transfer personal information overseas, we ensure:

The recipient country has substantially similar privacy protections to Australia
We have contractual arrangements requiring equivalent privacy protection
You have consented to the transfer after being informed of the risks
The transfer is otherwise permitted under Australian privacy law

Currently, some of our service providers may process data in the United States and European Union, both of which have recognised privacy frameworks. We maintain strict data processing agreements with all international providers.

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience on our website and provide our services effectively.

Types of Cookies We Use

Essential Cookies: Required for basic website functionality and security
Performance Cookies: Help us understand how visitors interact with our website
Functional Cookies: Remember your preferences and settings
Analytics Cookies: Provide insights into website usage and performance

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our services. Most browsers allow you to:

View and delete cookies
Block third-party cookies
Block cookies from specific sites
Receive notifications when cookies are set

Children's Privacy

Our services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18 years of age.

If we become aware that we have collected personal information from a child under 18, we will take immediate steps to delete that information. If you believe we may have collected information from a child under 18, please contact us immediately.

Parents and guardians who are concerned about their child's online privacy should monitor their internet usage and contact us if they have any concerns about information that may have been collected.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. When we make changes, we will:

Post the updated policy on our website with a new "last updated" date
Notify you via email if the changes are significant
Provide notice through our website or services
Give you the opportunity to review changes before they take effect

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 changes constitutes acceptance of the updated policy.

If you disagree with any changes, you may close your account and stop using our services. We will handle your information according to the policy that was in effect when the information was collected.