Privacy Policy
Effective Date: March 1, 2025 | Last Updated: February 15, 2025
At abirieloivius, we believe transparency about your personal information builds trust. This policy explains how we collect, use, and protect your data when you use our financial forecasting and budgeting platform.
Information We Collect
We collect information to provide better financial planning services. Here's what we gather and why:
Personal Information
- Name and email address when you create an account
- Phone number if you contact our support team
- Billing address for payment processing
- Communication preferences and feedback
Financial Data
To create accurate forecasts and budgets, we collect:
- Income sources and amounts you provide
- Expense categories and spending patterns
- Budget goals and financial targets
- Account balances you manually enter
Technical Information
- IP address and browser type
- Device information and operating system
- Usage patterns and feature interactions
- Error logs and performance data
How We Use Your Information
Your data helps us deliver reliable financial planning tools. We use information for:
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Account management | Name, email, preferences | Contract performance |
| Financial calculations | Income, expenses, goals | Contract performance |
| Customer support | Contact details, usage data | Legitimate interest |
| Service improvement | Technical data, feedback | Legitimate interest |
| Security monitoring | IP address, access logs | Legitimate interest |
We don't sell your data. Your financial information stays within abirieloivius's systems and is never shared with third parties for marketing purposes.
Data Storage and Security
We protect your information using industry-standard security measures:
Security Measures
- 256-bit SSL encryption for all data transmission
- AES encryption for data at rest
- Regular security audits and vulnerability testing
- Multi-factor authentication for admin access
- Automated backup systems with encryption
Data Location
Your data is stored on secure servers in Australia, managed by certified cloud providers. We may transfer data to other countries for processing, but only to jurisdictions with adequate privacy protections or under appropriate safeguards.
Retention Periods
We keep your data for different periods depending on its purpose:
- Account data: While your account is active plus 2 years
- Financial data: 7 years for tax compliance purposes
- Support communications: 3 years
- Technical logs: 12 months
Your Privacy Rights
Under Australian Privacy Principles and applicable laws, you have several rights regarding your personal information:
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this within 30 days of your request.
Correct Information
Update or correct any inaccurate personal information. You can do this directly in your account settings or by contacting us.
Delete Your Data
Request deletion of your personal information, subject to legal retention requirements for financial records.
Restrict Processing
Limit how we use your data while we address any concerns about accuracy or processing.
Data Portability
Export your financial data in a common format to transfer to another service provider.
Withdraw Consent
Opt out of marketing communications or withdraw consent for data processing where applicable.
How to Exercise Your Rights: Email us at help@abirieloivius.com with your request and account details. We'll verify your identity and respond within 30 days. There's no charge for most requests.
Third-Party Services
We work with trusted partners to deliver our services. Here's who may have access to your data:
Payment Processing
Stripe processes your payment information securely. They handle credit card details according to PCI DSS standards. We never store your full payment information on our servers.
Cloud Infrastructure
AWS provides our hosting services in Australia. They maintain strict security standards and comply with privacy regulations. Your data remains encrypted and access is limited to essential operations.
Analytics and Support
We use privacy-focused analytics tools to understand how people use our platform. Personal financial data is never included in analytics. Support tools help us respond to your questions efficiently.
Cookies and Tracking
We use cookies to make our platform work properly and improve your experience:
Essential Cookies
These keep you logged in and remember your preferences. They're necessary for the platform to function and can't be disabled.
Analytics Cookies
Help us understand which features are most useful and where people encounter problems. You can opt out of these in your account settings.
We don't use advertising cookies or sell your browsing data to third parties. You can manage cookie settings in your browser, but some features may not work properly if essential cookies are blocked.
International Transfers
While your data is primarily stored in Australia, some processing may occur in other countries where our service providers operate. We ensure adequate protection through:
- Standard contractual clauses with international providers
- Adequacy decisions recognizing equivalent privacy protection
- Certification schemes ensuring appropriate safeguards
- Regular compliance monitoring and audits
Changes to This Policy
We may update this privacy policy to reflect changes in our practices or legal requirements. When we make significant changes, we'll:
- Email you at least 30 days before changes take effect
- Post a notice on our platform highlighting key changes
- Update the effective date at the top of this policy
- Provide a summary of what's changed and why
Minor updates like clarifying language or fixing typos won't trigger notifications, but we'll still update the last modified date.
Complaints and Disputes
If you have concerns about how we handle your personal information:
Contact Us First
Email help@abirieloivius.com with details of your concern. We'll investigate and respond within 30 days. Most issues can be resolved quickly through direct communication.
External Complaints
If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or call 1300 363 992.
Privacy Contact Information
Data Protection Officer: privacy@abirieloivius.com
General Inquiries: help@abirieloivius.com
Phone: +61 434 965 434
Mail: abirieloivius Privacy Team
Level 1/545 Kent St
Sydney NSW 2000
Australia
Business Hours: Monday to Friday, 9:00 AM to 5:00 PM AEST