Information We Collect

quarnivolath collects information to provide better budget planning services and improve your financial management experience. We collect several types of information from and about users of our platform.

Personal Information You Provide

• Name, email address, and contact information when you create an account
• Financial information including income, expenses, and budget categories you choose to track
• Profile information and preferences you set within your account
• Communications you send to us, including customer support inquiries
• Payment information when you subscribe to premium features

Information Automatically Collected

When you use our platform, we automatically collect certain information about your device and usage patterns. This includes IP addresses, browser types, operating system information, and how you interact with our budget planning tools.

How We Use Your Information

Your information helps us deliver personalized budget planning experiences and maintain the security of our platform. Here's how we put your data to work:

• Creating and managing your budget planning account and profiles
• Providing personalized financial insights and spending analysis
• Sending important account notifications and security alerts
• Improving our budget planning tools based on user behavior patterns
• Detecting and preventing fraudulent activity or security breaches
• Communicating with you about new features and educational content
• Complying with legal obligations under Australian privacy laws

We process your personal information based on legitimate interests in providing financial planning services, your consent for specific features, and legal requirements under Australian Consumer Law and Privacy Act 1988.

Information Sharing and Disclosure

quarnivolath does not sell your personal information to third parties. We may share your information only in specific circumstances outlined below.

Service Providers

We work with trusted third-party companies that help us operate our budget planning platform. These include cloud hosting providers, payment processors, and analytics services. All service providers are contractually bound to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your information when required by Australian law, court orders, or government regulations. This includes compliance with tax authorities, financial regulators, or law enforcement agencies when legally obligated.

Data Security Measures

Protecting your financial information is our highest priority. We implement multiple layers of security to safeguard your personal and financial data.

• 256-bit SSL encryption for all data transmission and storage
• Multi-factor authentication options for account access
• Regular security audits and penetration testing
• Secure data centers with physical and digital access controls
• Employee background checks and security training programs
• Automatic session timeouts and secure logout procedures

While we maintain industry-standard security practices, no system is completely immune to threats. We continuously monitor for suspicious activity and will notify you promptly of any security incidents affecting your account.

Your Privacy Rights Under Australian Law

As an Australian resident, you have specific rights regarding your personal information under the Privacy Act 1988 and Australian Privacy Principles.

Access and Correction Rights

• Request access to personal information we hold about you
• Ask us to correct inaccurate or outdated information
• Request deletion of your account and associated data
• Object to certain types of data processing
• Request data portability to transfer information to another service

Exercising Your Rights

To exercise these rights, contact our privacy team at info@quarnivolath.com. We'll respond to requests within 30 days and may require identity verification. Some requests may be subject to legal limitations or legitimate business needs.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide budget planning services and comply with legal obligations.

• Active account data is retained while your account remains open
• Financial transaction data is kept for 7 years per Australian tax requirements
• Marketing communications preferences are stored until you opt out
• Technical logs and security data are retained for 2 years
• Closed account data is deleted within 90 days unless legally required

You can request account deletion at any time through your account settings or by contacting our support team. We'll permanently delete your data within 30 days, except where legal obligations require longer retention.

Cookies and Tracking Technologies

quarnivolath uses cookies and similar technologies to enhance your budget planning experience and analyze platform usage.

Types of Cookies We Use

• Essential cookies required for basic platform functionality
• Analytics cookies to understand how users interact with budget tools
• Preference cookies to remember your settings and customizations
• Security cookies for fraud prevention and account protection

You can manage cookie preferences through your browser settings. However, disabling essential cookies may affect platform functionality. We don't use cookies for advertising or cross-site tracking.

International Data Transfers

quarnivolath primarily stores and processes data within Australia. When we transfer data internationally for specific services, we ensure adequate protection through approved mechanisms.

International transfers occur only with service providers in countries with adequate privacy protections or through contractual safeguards that meet Australian privacy standards. You can request specific information about data locations by contacting our privacy team.

Children's Privacy

quarnivolath's budget planning services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18. If you believe a child has provided us with personal information, please contact us immediately so we can delete such information.

Parents or guardians who wish to review or delete their child's information should contact our privacy team with appropriate identity verification.

Privacy Policy Updates

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. Significant changes will be communicated through email notifications and prominent website notices.

Continued use of quarnivolath's services after policy updates constitutes acceptance of the revised terms. We encourage you to review this policy regularly to stay informed about how we protect your information.