Information We Collect

When you use delphivora's multi-year budget planning services, we collect information that helps us provide you with personalised financial planning tools and support. This includes personal details you provide directly, such as your name, email address, phone number, and financial goals.

We also collect information about your financial situation when you use our budgeting tools — income details, expense categories, savings targets, and investment preferences. This data helps our platform create tailored budget recommendations and track your progress over time.

• Contact information including name, email, phone number, and postal address
• Financial information such as income sources, expense categories, and budget goals
• Account information including login credentials and security preferences
• Usage data including how you interact with our platform and features
• Device information such as IP address, browser type, and operating system

How We Use Your Information

Your financial data powers our budget planning algorithms and helps us create meaningful insights for your money management. We analyse spending patterns to suggest areas where you might save money or optimise your budget allocation across different timeframes.

We also use your information to communicate with you about your account, send important updates about our services, and provide customer support when you need assistance with your budget planning.

• Creating and maintaining your personalised budget planning dashboard
• Generating financial reports and spending pattern analysis
• Providing customer support and responding to your inquiries
• Sending account notifications and service updates
• Improving our platform based on user feedback and usage patterns
• Complying with legal obligations and regulatory requirements

Data Storage and Security

We store your financial information on secure servers located in Australia, using industry-standard encryption both in transit and at rest. Your sensitive data is protected with multiple layers of security including encrypted databases, secure network protocols, and regular security audits.

We implement strict access controls, meaning only authorised team members can access your information, and only when necessary to provide support or maintain our services. Our security practices are reviewed quarterly and updated to meet current industry standards.

Regular backups ensure your budget planning data remains safe and accessible, while automated monitoring systems alert us immediately to any unusual activity or potential security threats.

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share certain data in specific circumstances to provide you with our budget planning services effectively.

When you connect external financial accounts through our secure integration partners, we share only the minimum necessary information to retrieve your account balances and transaction history. These partners are bound by strict confidentiality agreements and data protection standards.

• Authorised service providers who help us operate our platform
• Financial institutions when you choose to connect external accounts
• Legal authorities when required by Australian law or court orders
• Professional advisors including lawyers and accountants when necessary
• Business partners only with your explicit consent for specific services

Your Rights and Choices

Under Australian Privacy Principles, you have significant control over your personal information. You can access, update, or delete your account information at any time through your dashboard settings.

If you want to review what personal information we hold about you, simply contact our privacy team and we'll provide a comprehensive report within 30 days. You can also request corrections to any inaccurate information or ask us to delete your account entirely.

• Access: Request a copy of all personal information we hold about you
• Correction: Update or correct any inaccurate information in your profile
• Deletion: Request permanent deletion of your account and associated data
• Portability: Export your budget data in a standard format
• Opt-out: Unsubscribe from marketing emails while keeping essential account notifications
• Complaint: Lodge complaints about privacy practices with us or the OAIC

Data Retention

We keep your financial planning data for as long as you maintain an active account with us. This ensures your budget history, spending patterns, and financial goals remain available whenever you need to reference them.

After you close your account, we retain certain information for up to seven years to comply with Australian financial record-keeping requirements. However, we'll delete or anonymise any information that's not legally required to be retained.

Transaction data and budget reports are automatically archived after three years of inactivity, though you can request access to this archived information if needed for tax purposes or financial planning.

International Data Transfers

Your personal information is primarily stored and processed within Australia. However, some of our technology providers and support services operate from other countries, including the United States and European Union.

When we transfer data internationally, we ensure appropriate safeguards are in place through standard contractual clauses, adequacy decisions, or other approved transfer mechanisms under Australian privacy law.

Cookies and Tracking

Our platform uses cookies and similar technologies to remember your preferences, keep you logged in, and understand how you use our budget planning tools. Most cookies we use are essential for the platform to function properly.

We also use analytics cookies to understand which features are most helpful and where we can improve the user experience. These cookies don't identify you personally but help us make data-driven improvements to our services.

You can control cookie settings through your browser preferences, though disabling certain cookies may affect how our platform functions. We'll always ask for your consent before using non-essential cookies.

Changes to This Policy

We review and update this privacy policy regularly to ensure it reflects our current practices and complies with applicable laws. When we make significant changes, we'll notify you via email and through a prominent notice on our platform.

Minor updates, such as clarifications or contact information changes, will be posted directly to this page with an updated effective date. We encourage you to review this policy periodically to stay informed about how we protect your information.

Continued use of our services after policy updates indicates your acceptance of the revised terms. If you disagree with any changes, you can close your account at any time.