Privacy Policy
Information We Collect
We collect various types of information to provide you with effective budgeting services and improve your financial planning experience. Our data collection practices are transparent and focused on delivering value to you.
Personal Information
Name, email address, phone number, and residential address for account creation and communication purposes.
Financial Data
Income details, expense categories, spending patterns, and budgeting goals to provide personalized recommendations.
Usage Information
How you interact with our platform, features used, session duration, and device information for service optimization.
Communication Records
Support conversations, feedback, and correspondence to improve our services and resolve any issues.
Automatic Data Collection
Our platform automatically collects certain information when you visit or use our services, including IP addresses, browser type, operating system, and pages accessed. This helps us understand how our services are used and identify areas for improvement.
How We Use Your Information
Your information enables us to deliver personalised budgeting services and maintain a secure, efficient platform. We use your data responsibly and only for legitimate business purposes.
- Create and manage your budgeting account
- Provide personalised financial insights and recommendations
- Process transactions and manage billing
- Send important account updates and service notifications
- Improve our services through analytics and user feedback
- Ensure platform security and prevent fraudulent activity
- Comply with legal obligations and regulatory requirements
- Respond to customer support inquiries and requests
Important Note
We never sell your personal information to third parties. Any data sharing occurs only with trusted service providers who help us deliver our services, and they are bound by strict confidentiality agreements.
Data Security and Protection
We implement comprehensive security measures to protect your personal and financial information. Our security practices meet Australian Privacy Principles and international standards.
Encryption
All data transmission uses SSL/TLS encryption, and sensitive information is encrypted at rest using industry-standard protocols.
Access Controls
Strict access controls ensure only authorised personnel can access your information on a need-to-know basis.
Regular Monitoring
Continuous monitoring systems detect and respond to potential security threats or unauthorised access attempts.
Data Backups
Regular, secure backups ensure your information is protected against data loss while maintaining confidentiality.
We regularly review and update our security practices to address emerging threats and maintain the highest level of protection for your information.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. We make it easy for you to exercise these rights and maintain control over your data.
Access Your Information
Request a copy of all personal information we hold about you, including how it's being used and who it's shared with.
Correct Inaccurate Data
Update or correct any personal information that is outdated, incomplete, or incorrect through your account settings or by contacting us.
Delete Your Data
Request deletion of your personal information, subject to legal and contractual obligations that may require retention.
Data Portability
Receive your personal information in a structured, commonly used format that you can transfer to another service provider.
Restrict Processing
Limit how we use your personal information in certain circumstances while maintaining your account access.
Lodge Complaints
File a complaint with us or the Office of the Australian Information Commissioner if you believe your privacy rights have been violated.
To exercise any of these rights, please contact us using the information provided below. We'll respond to your request within 30 days and may need to verify your identity to protect your information.
Data Retention and Deletion
We retain your personal information only as long as necessary to provide our services, comply with legal obligations, and protect our legitimate business interests.
Active Account Data
Personal and financial information retained while your account remains active and for service delivery purposes.
Financial Records
Transaction and budgeting data retained for seven years to comply with Australian financial record-keeping requirements.
Communication Logs
Customer support communications and feedback retained for two years for quality assurance and service improvement.
Account Closure
Most personal information deleted within 30 days of account closure, except where legal retention requirements apply.
Data Deletion Process
When you close your account or request data deletion, we follow a systematic process to remove your information while ensuring compliance with legal requirements. Some information may be retained in anonymised form for statistical purposes.
Third-Party Services and Data Sharing
We work with carefully selected third-party service providers to deliver our budgeting services. These partnerships are governed by strict data protection agreements.
Service Providers We Work With
- Cloud hosting providers for secure data storage and platform reliability
- Payment processors for secure transaction handling and billing
- Email service providers for account notifications and communications
- Analytics services to understand platform usage and improve user experience
- Customer support platforms to manage and respond to your inquiries
- Security services to monitor and protect against threats
Data Sharing Principles
We only share personal information when necessary to provide our services or comply with legal obligations. All third parties are required to protect your information with the same level of security we maintain and use it only for specified purposes.
We do not share your information with marketing companies, data brokers, or other third parties for their commercial purposes. Your personal information stays within our network of trusted service providers.
International Data Transfers
Some of our service providers may store or process your information outside Australia. When this occurs, we ensure appropriate safeguards are in place to protect your privacy rights.
Transfer Safeguards
- Contractual agreements requiring equivalent privacy protection standards
- Regular audits of international service providers' security practices
- Data minimisation to limit information transferred overseas
- Encryption during transmission and storage of transferred data
We regularly review our international data transfer practices to ensure they meet Australian Privacy Principles and provide adequate protection for your personal information.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your experience and provide personalised services. You have control over how these technologies are used.
Types of Cookies We Use
- Essential cookies required for basic website functionality and security
- Performance cookies to understand how you use our services
- Functional cookies to remember your preferences and settings
- Analytics cookies to improve our services based on usage patterns
You can manage cookie preferences through your browser settings or our cookie preferences centre. Disabling certain cookies may limit some website functionality but won't prevent you from accessing our core services.
Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. We'll notify you of any significant changes through email or platform notifications.
Minor updates that don't affect how we handle your personal information may be posted without additional notice. We encourage you to review this policy regularly to stay informed about how we protect your privacy.
Previous versions of our privacy policy are available upon request if you need to reference earlier terms or understand how our practices have evolved.
Contact Us About Privacy
If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a privacy concern, please don't hesitate to reach out to us.
support@marcynovique.com
Phone
+61755809100
82 Ebden St
Ainslie ACT 2602
Australia
Response Time
We respond to privacy inquiries within 30 days
Our privacy team is committed to addressing your concerns promptly and ensuring your privacy rights are respected. For urgent privacy matters, please call us directly during business hours.