Privacy Policy
Last Updated: March 2025
At carionexvia, we take your privacy seriously. This policy outlines how we collect, use, and protect your personal information when you use our budget planning services. We're committed to transparency and giving you control over your data.
This document complies with the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs). If you have questions or concerns, we're here to help.
Information We Collect
When you use carionexvia, we collect different types of information to provide and improve our budget planning services. Here's what we gather and why it matters.
Personal Information You Provide
This is information you actively give us when you create an account or use our services:
- Contact details: Name, email address, phone number, and postal address
- Account credentials: Username and password (stored securely with encryption)
- Financial information: Income details, expense categories, savings goals, and budget preferences
- Payment information: Credit card or bank details when you subscribe to premium features
- Communication records: Messages you send us through support channels or feedback forms
Information We Collect Automatically
When you use our platform, we automatically gather certain technical information:
- Device information: IP address, browser type, operating system, and device identifiers
- Usage data: Pages visited, features used, time spent on platform, and interaction patterns
- Location data: General geographic location based on IP address (we don't track precise GPS coordinates)
- Cookies and tracking: Small files stored on your device to remember preferences and analyse usage
What we don't collect: We never request or store your bank login credentials. Our platform works through secure data connections or manual input only.
How We Use Your Information
We use your data for specific purposes that directly benefit your experience with carionexvia. Every piece of information serves a clear function.
| Purpose | Details |
|---|---|
| Service Delivery | Creating and managing your budget plans, tracking expenses, generating reports, and providing personalized recommendations |
| Account Management | Maintaining your profile, processing payments, managing subscriptions, and handling account security |
| Communication | Sending service updates, responding to inquiries, providing customer support, and sharing educational content you've requested |
| Platform Improvement | Analyzing usage patterns, fixing bugs, developing new features, and enhancing user experience based on real behaviour |
| Security & Fraud Prevention | Detecting suspicious activity, preventing unauthorized access, and protecting your financial data from breaches |
| Legal Compliance | Meeting regulatory requirements, responding to lawful requests, and maintaining proper business records |
We don't sell your personal information to third parties. Period. We also won't use your data for purposes beyond what's described here without getting your explicit consent first.
Data Sharing and Third Parties
Sometimes we need to share limited information with trusted partners to keep carionexvia running smoothly. Here's who we work with and why.
Service Providers
We partner with companies that help us deliver our services. These providers only access data necessary for their specific functions:
- Cloud hosting services: Storing your data securely on Australian-based servers
- Payment processors: Handling subscription payments and refunds through secure channels
- Email services: Delivering account notifications, support responses, and educational content
- Analytics providers: Helping us understand how people use the platform to improve functionality
- Security services: Monitoring for threats and protecting against unauthorized access
All our service providers sign contracts that require them to protect your data and use it only for agreed purposes. They can't use your information for their own business interests.
Legal Requirements
We may disclose your information when legally required to do so, such as:
- Responding to valid subpoenas, court orders, or legal processes
- Complying with Australian taxation and financial reporting obligations
- Protecting carionexvia's legal rights or defending against legal claims
- Preventing fraud or investigating suspected illegal activity
Your Privacy Rights
Under Australian privacy law, you have specific rights regarding your personal information. We've made it straightforward to exercise these rights.
Access and Correction
You can access and update most of your personal information directly through your account settings. For data you can't access yourself, contact us and we'll provide it within 30 days.
Data Portability
You have the right to receive your data in a structured, commonly used format. We can export your budget data, transaction history, and profile information as a downloadable file.
Deletion Rights
You can request deletion of your account and associated data at any time. Keep in mind:
- Account deletion is permanent and cannot be undone
- We may retain certain records for legal or regulatory compliance (typically 7 years for financial records)
- Anonymized data used for analytics may remain in our systems
- Processing deletion requests typically takes 30 days
Marketing Preferences
You control what communications you receive from us. You can opt out of marketing emails anytime by clicking the unsubscribe link or adjusting your account preferences. We'll still send essential service notifications.
How to exercise your rights: Log into your account settings, contact us at help@carionexvia.com, or call +61406538849. We'll verify your identity and process your request promptly.
Data Security Measures
Protecting your financial information is our top priority. We use multiple layers of security to keep your data safe from unauthorized access, theft, or loss.
Technical Safeguards
- Encryption: All data transmitted between your device and our servers uses TLS 1.3 encryption. Sensitive data is encrypted at rest using AES-256 standards.
- Access controls: Employee access to personal data is restricted based on job requirements and monitored through audit logs.
- Regular security testing: We conduct quarterly security audits and penetration testing to identify vulnerabilities.
- Secure infrastructure: Our servers are hosted in certified Australian data centres with physical security measures and redundant systems.
- Authentication: Multi-factor authentication available for all accounts, with mandatory implementation for accounts handling sensitive data.
Organizational Security
Beyond technical measures, we maintain strict internal policies:
- All staff complete privacy and security training annually
- Confidentiality agreements signed by everyone who handles customer data
- Incident response procedures ready to deploy if a breach occurs
- Regular backup systems to prevent data loss
In case of a breach: If we experience a data breach that poses serious harm, we'll notify you and the Office of the Australian Information Commissioner within 72 hours, as required by law. We'll explain what happened, what data was affected, and what steps we're taking.
Data Retention
We keep your information only as long as necessary to provide our services and meet legal requirements. Different types of data have different retention periods.
| Data Type | Retention Period |
|---|---|
| Active account data | Duration of account activity plus 12 months |
| Financial records | 7 years (Australian taxation requirement) |
| Support communications | 3 years from last interaction |
| Marketing data | Until you unsubscribe or 2 years of inactivity |
| Usage analytics | Anonymized and retained for 5 years |
| Security logs | 2 years for audit purposes |
When retention periods expire, we securely delete or anonymize your data so it can no longer identify you. Anonymized data helps us improve our services without compromising your privacy.
Cookies and Tracking Technologies
Like most websites, we use cookies and similar technologies to make carionexvia work properly and understand how you use our platform.
Types of Cookies We Use
- Essential cookies: Required for basic functionality like keeping you logged in and remembering your settings. These can't be disabled without breaking the platform.
- Performance cookies: Help us understand which features are most used and where people encounter problems. This data is aggregated and doesn't identify you personally.
- Functional cookies: Remember your preferences like currency format, date display, and dashboard layout.
We don't use advertising cookies or tracking for marketing purposes. Your browser settings let you control cookie preferences, though disabling essential cookies will limit platform functionality.
Do Not Track
We respect Do Not Track browser settings. When enabled, we'll disable non-essential tracking while maintaining the functionality you need to use carionexvia effectively.
Children's Privacy
carionexvia is designed for adults managing their personal or household finances. We don't knowingly collect information from anyone under 18 years of age.
If we discover we've accidentally collected data from someone under 18, we'll delete it immediately. Parents or guardians who believe their child has provided us with information should contact us right away at help@carionexvia.com.
Changes to This Policy
We update this privacy policy occasionally to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through:
- Email notification to your registered address
- Prominent notice on your dashboard when you log in
- Updated "Last Modified" date at the top of this page
Minor updates (like fixing typos or clarifying existing practices) won't trigger notifications, but we'll still update the date. We recommend reviewing this policy periodically to stay informed about how we're protecting your information.
Continued use of carionexvia after changes means you accept the updated policy. If you disagree with changes, you can delete your account before they take effect.
Questions About Your Privacy?
We're here to help. If you have questions about this policy, want to exercise your privacy rights, or have concerns about how your data is handled, reach out to us.
If you're not satisfied with our response to a privacy concern, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.