candorivexi - Budget Contingency Planning Education & Financial Literacy

Information We Collect

Personal Information

When you interact with our services, we collect information that helps us provide better financial planning support. The type of data we gather depends on how you engage with us.

Contact details including your name, email address, phone number, and postal address
Financial information such as income details, existing savings, and budget parameters you provide for planning purposes
Account credentials and authentication data when you create a user profile
Communication records including emails, chat logs, and support ticket history
Device information like IP addresses, browser types, and operating systems
Usage data showing how you navigate our website and which features you access most frequently

Data Category	Collection Method	Primary Purpose
Identity Information	Direct submission via forms	Account creation and service personalization
Financial Details	User input in planning tools	Budget analysis and contingency recommendations
Technical Data	Automated collection via cookies	Website functionality and security monitoring
Communication Records	Email and support interactions	Customer service and query resolution
Behavioral Analytics	Website interaction tracking	Service improvement and user experience optimization

Information We Don't Collect

We don't collect sensitive information unless absolutely necessary for our services. This includes racial or ethnic origin, political opinions, religious beliefs, or health information. If we ever need such data, we'll obtain your explicit consent first.

How We Use Your Information

Your data serves specific purposes that directly relate to delivering quality financial planning services. We don't use your information for unrelated activities without your permission.

Service Delivery

The primary use of your information is providing budget contingency planning services. This means analyzing your financial situation, generating personalized recommendations, and maintaining your account access. We process your data to create planning models, track your progress, and adjust strategies based on your changing circumstances.

Communication and Support

We use your contact details to respond to inquiries, send service updates, and provide technical assistance. This includes notifications about your account, changes to our services, and educational content related to financial planning. You can control which communications you receive through your account preferences.

Improvement and Development

Aggregated and anonymized data helps us understand how people use our services. We analyze patterns to identify features that work well and areas needing improvement. This might involve A/B testing different interfaces or measuring how certain planning tools perform across various user groups.

Marketing Communications

We'll only send promotional materials if you've opted in. Even then, every message includes a clear unsubscribe option. We respect your inbox and won't bombard you with irrelevant content.

Information Sharing and Disclosure

We don't sell your personal information. Period. However, running a modern web service means working with trusted partners who help us deliver features you expect.

Service Providers

Third-party vendors assist with hosting, payment processing, analytics, and customer support. These companies access only the data necessary for their specific function and are contractually obligated to protect your information. Examples include cloud storage providers, email delivery services, and payment gateways.

Legal Requirements

Sometimes we're legally required to disclose information. This happens when responding to court orders, government investigations, or protecting against fraud. We'll notify you about such requests unless prohibited by law.

Business Transfers

If candorivexi is acquired or merged with another company, your information may transfer as part of that transaction. You'd be notified beforehand, and the new entity would need to honor this privacy policy unless you consent to changes.

Third Party Type	Data Shared	Protection Measures
Payment Processors	Transaction details and billing information	PCI-DSS compliance and encrypted transmission
Cloud Hosting Services	Account data and application information	Data encryption at rest and in transit
Analytics Platforms	Anonymized usage patterns	IP anonymization and data aggregation
Email Service Providers	Contact information and communication preferences	Secure API connections and access controls
Customer Support Tools	Support tickets and conversation history	Role-based access and audit logging

Data Security Measures

Protecting your information isn't just about technology—it's about processes, training, and constant vigilance. We've implemented multiple layers of security to safeguard your data.

Technical Safeguards

256-bit SSL encryption for all data transmitted between your browser and our servers
Database encryption ensuring stored information remains protected even if physical security is compromised
Regular security audits conducted by independent third-party experts
Automated backup systems with geographically distributed storage locations
Intrusion detection systems monitoring for unauthorized access attempts
Multi-factor authentication options for account access

Organizational Practices

Our team receives regular training on data protection principles and handling sensitive information. Access to personal data is restricted based on job roles, and we maintain detailed logs of who accesses what information and when. Background checks are conducted for employees with data access privileges.

Incident Response

Despite best efforts, no system is completely immune to breaches. If a security incident affects your data, we'll notify you within 72 hours as required by Australian privacy law. Our response plan includes immediate containment measures, forensic analysis, and remediation steps to prevent recurrence.

Your Rights and Choices

Australian privacy law grants you significant control over your personal information. Here's what you can do and how to exercise these rights.

Access and Correction

You can request a copy of all personal information we hold about you. We'll provide this within 30 days, free of charge. If you spot inaccuracies, let us know and we'll correct them promptly. Access your account settings to update most information directly.

Data Portability

Want to take your data elsewhere? You can download your information in commonly used formats like CSV or JSON. This includes your financial planning data, account history, and any documents you've uploaded. The export feature is available in your account dashboard.

Deletion Requests

You have the right to request deletion of your personal information. We'll comply unless we're required to retain certain data for legal or regulatory reasons. After deletion, some information may persist in backup systems for up to 90 days before permanent removal.

Marketing Opt-Out

Unsubscribe from promotional emails by clicking the link in any message or adjusting preferences in your account. You'll still receive essential service notifications like security alerts and account updates.

Right	How to Exercise	Response Time
Access Personal Data	Submit request via email or account portal	Within 30 days of verified request
Correct Inaccurate Information	Update directly in account or contact support	Immediate for self-service; 5 business days via support
Request Data Deletion	Email privacy request to designated contact	30 days for completion, 90 days for backup removal
Export Your Data	Use account dashboard export feature	Immediate generation, delivered within 24 hours
Withdraw Consent	Manage preferences in account settings	Takes effect within 48 hours

Cookies and Tracking Technologies

Our website uses cookies to function properly and provide a better experience. You have control over how these technologies are used.

Types of Cookies We Use

Essential Cookies: These keep the site working. They handle things like session management, security features, and basic navigation. You can't turn these off without breaking core functionality.

Performance Cookies: These help us understand which pages are popular, where users spend time, and which features get ignored. The data is aggregated and doesn't identify individuals.

Functional Cookies: These remember your preferences like language settings, display options, and customized views. They make repeat visits more convenient.

Managing Cookie Preferences

Most browsers let you block or delete cookies through their settings. Keep in mind that disabling certain cookies may limit functionality. Our cookie banner appears on your first visit, allowing you to accept or customize which types you'll allow.

Data Retention Periods

We don't keep your information indefinitely. Retention periods depend on the type of data and legal requirements.

Account information: Retained while your account is active, plus 7 years after closure for compliance purposes
Financial planning data: Kept for the duration of service use, plus 5 years as required by financial record-keeping regulations
Communication records: Maintained for 3 years to support service quality and dispute resolution
Website analytics: Aggregated data retained for 2 years; individual session data deleted after 14 months
Marketing consent records: Kept until you withdraw consent, plus 3 years for proof of compliance
Payment transaction details: Retained for 7 years per Australian tax and accounting requirements

When data reaches the end of its retention period, we securely delete or anonymize it. Anonymized data may be retained longer for statistical and research purposes, but it can't be linked back to you.

International Data Transfers

Your information is primarily stored on servers located in Australia. However, some service providers operate internationally, which may involve transferring data overseas.

Transfer Safeguards

When data moves outside Australia, we ensure adequate protection through standard contractual clauses, Privacy Shield frameworks (where applicable), or verified certifications. Countries we may transfer data to include the United States (for cloud hosting), Singapore (for backup storage), and the European Union (for analytics services).

You have the right to request information about which countries receive your data and the safeguards in place. We'll provide details within 30 days of your request.

Children's Privacy

Our services aren't designed for individuals under 18. We don't knowingly collect information from minors. If you're a parent who discovers your child has provided us with personal information, contact us immediately and we'll delete it.

Budget contingency planning typically involves employment income, credit arrangements, and financial decisions that require legal capacity. For these reasons, our terms of service require users to be at least 18 years old.

Changes to This Privacy Policy

We review and update this policy periodically to reflect changes in our practices, technology, or legal requirements. Material changes will be communicated through email notification and a prominent notice on our website at least 30 days before taking effect.

The effective date at the top of this page shows when the current version was published. We maintain an archive of previous versions available upon request if you want to review what changed over time.

Continuing to use our services after a policy update means you accept the changes. If you disagree with modifications, you can close your account before they take effect.

Complaints and Dispute Resolution

If you believe we've mishandled your personal information, we want to hear about it. Our complaints process ensures concerns are addressed fairly and promptly.

Internal Process

Submit complaints to our privacy officer using the contact details below. We'll acknowledge receipt within 3 business days and investigate thoroughly. Most complaints are resolved within 30 days. You'll receive a written response explaining our findings and any corrective actions taken.

External Options

If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC). They provide a free complaint resolution service and can investigate potential breaches of the Privacy Act. Visit www.oaic.gov.au for more information.

Privacy Policy