Introduction and Scope

elevonariq operates as a financial accountability platform, and we take your privacy seriously. This policy explains how we collect, use, store, and protect your personal information when you use our services at elevonariq.sbs. We're committed to transparency about our data practices and your rights under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles.

This privacy policy applies to all personal information collected through our website, mobile applications, and related services. By using elevonariq's services, you agree to the collection and use of information as described in this policy.

Information We Collect

How We Use Your Information

We use your personal information for several specific purposes, all aimed at providing and improving our financial accountability services:

• Providing personalized financial accountability tools and recommendations based on your spending patterns and goals
• Processing and managing your account, including authentication and security measures
• Communicating with you about your account, service updates, and educational content related to financial management
• Analyzing usage patterns to improve our platform functionality and develop new features
• Ensuring platform security and preventing fraud or unauthorized access
• Complying with legal obligations and regulatory requirements in Australia

We will never use your financial information for marketing purposes without your explicit consent, and we don't sell your personal data to third parties.

Data Sharing and Disclosure

We maintain strict controls over who can access your personal information. Here's when and how we might share your data:

• Service Providers: We work with trusted third-party service providers for hosting, analytics, and customer support. These partners are contractually bound to protect your information and can only use it for the specific services they provide to us.
• Legal Requirements: We may disclose your information if required by Australian law, court order, or government request. We'll notify you of such requests unless legally prohibited.
• Business Transfers: In the unlikely event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, but only with the same privacy protections.
• Consent-Based Sharing: We may share aggregated, anonymized data for research purposes, but only with your explicit consent and never in a way that identifies you personally.

We never sell your personal information to advertisers or marketing companies. Your financial accountability data remains confidential and is only used to provide the services you've requested.

Data Security and Protection

Protecting your personal information is one of our highest priorities. We've implemented comprehensive security measures to safeguard your data:

• All data transmission is encrypted using industry-standard TLS protocols
• Your financial information is stored using bank-level encryption and security standards
• We conduct regular security audits and vulnerability assessments
• Access to your data is strictly limited to authorized personnel who need it for their job functions
• We maintain secure backup systems with encryption and access controls
• Our systems are monitored 24/7 for suspicious activity or unauthorized access attempts

While we implement strong security measures, no system is completely immune to threats. We encourage you to use strong, unique passwords and enable two-factor authentication when available.

Data Retention and Deletion

We only keep your personal information for as long as necessary to provide our services and comply with legal requirements. Here are our retention practices:

• Active Accounts: While your account remains active, we retain your data to provide ongoing services and maintain your preferences.
• Inactive Accounts: If you haven't used your account for 36 months, we'll send you a notice before deleting your data.
• Financial Records: Some financial information may be retained for up to 7 years to comply with Australian financial regulations.
• Communication Records: Support conversations and feedback are typically kept for 24 months to improve our services.
• Legal Requirements: Some data may be retained longer if required by law or for legitimate business purposes like fraud prevention.

When we delete your information, we ensure it's permanently removed from our systems and cannot be recovered.

International Data Transfers

While elevonariq operates primarily in Australia, some of our service providers may process your data in other countries. When this happens, we ensure your information receives the same level of protection:

• We only work with providers in countries with adequate privacy protections or who have committed to international privacy frameworks
• All international transfers are covered by appropriate safeguards, such as standard contractual clauses
• We maintain oversight of how your data is processed, regardless of location
• You have the right to request information about any international transfers of your data

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your experience and analyze how our platform is used. We use several types of cookies:

• Essential Cookies: These are necessary for the website to function properly and cannot be disabled.
• Performance Cookies: These help us understand how you use our site so we can improve functionality.
• Preference Cookies: These remember your settings and preferences to personalize your experience.

You can control cookie settings through your browser, but disabling certain cookies may affect website functionality. We don't use third-party advertising cookies or tracking pixels.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through:

• Email notification to your registered address
• Prominent notice on our website
• In-app notification when you next log in

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