At celoravinyxa, we collect information to provide better services to our users. When you create an account with us, we gather basic details like your name, email address, and contact information. We also collect information about your family's financial goals and circumstances to tailor our recommendations appropriately.

Our platform automatically collects certain technical information when you visit our website. This includes your IP address, browser type, device information, and how you interact with our pages. We use this data to improve our website's performance and user experience.

• Personal identification information (name, email, phone number)
• Financial information relevant to family budgeting and planning
• Usage data and website analytics
• Device information and browser preferences
• Communication records when you contact our support team

The information we collect serves several important purposes. Primarily, we use it to provide personalized financial guidance that makes sense for your family's unique situation. This might include suggesting budgeting strategies or highlighting resources that could be helpful for your circumstances.

We also use aggregated, anonymous data to understand how families use our platform. This helps us identify which features are most valuable and where we might need to make improvements. For instance, if we notice many users are accessing debt management resources, we might expand that section of our platform.

Sometimes we'll send you educational content or updates about new features that could benefit your family's financial planning. You can always opt out of these communications if you prefer.

Protecting your financial information is our top priority. We employ industry-standard encryption methods to secure your data both in transit and at rest. Our servers are hosted in secure Australian data centres that comply with local privacy regulations.

Access to your personal information is strictly limited to authorized personnel who need it to provide services to you. All our team members undergo privacy training and are bound by confidentiality agreements.

As an Australian resident, you have specific rights regarding your personal information under the Privacy Act 1988. You can request access to the personal information we hold about you, ask us to correct any inaccuracies, or request that we delete your information entirely.

If you want to access your data, we'll provide it within 30 days of receiving your request. There's no charge for this service unless your request is particularly complex or requires significant resources to fulfill.

• Right to access your personal information
• Right to correct inaccurate or outdated information
• Right to request deletion of your data
• Right to restrict processing of your information
• Right to receive your data in a portable format
• Right to lodge a complaint with the Office of the Australian Information Commissioner

To exercise any of these rights, simply contact us using the details provided at the end of this policy. We'll respond promptly and help you understand exactly what information we have and how we're using it.

We keep your personal information only as long as necessary to provide our services or comply with legal requirements. Generally, we retain account information for seven years after an account becomes inactive, which aligns with Australian financial record-keeping requirements.

If you request deletion of your account, we'll remove your personal information within 90 days. However, we may need to retain certain records for legal or regulatory purposes, such as transaction logs or communications related to disputes.

We work with carefully selected third-party services to provide certain features of our platform. For example, we use cloud hosting services and email delivery platforms. These partners are bound by strict confidentiality agreements and can only use your information for the specific services they provide to us.

We may share limited information with financial education partners when offering joint programs or resources. However, this sharing is always optional and requires your explicit consent.

In some cases, we're required by law to share information with government agencies or regulatory bodies. This might occur in response to a court order or investigation. We'll always notify you of such requests unless legally prohibited from doing so.

Our website uses cookies to improve your browsing experience and remember your preferences. Essential cookies are necessary for the website to function properly, while analytics cookies help us understand how visitors use our site.

You can control cookie settings through your browser, though disabling certain cookies might affect some website features. We don't use cookies for advertising purposes or share cookie data with advertising networks.

We also use website analytics tools to understand user behavior and improve our services. This data is aggregated and anonymous – we can see general patterns but not individual user actions.

We review and update this privacy policy annually or when significant changes occur to our data practices. When we make material changes, we'll notify you via email and display a prominent notice on our website for at least 30 days.

Minor updates, such as clarifications or administrative changes, may be made without individual notification. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

This privacy policy was last updated in March 2025 and reflects our current data handling practices and commitments to protecting your personal information.