Privacy Policy

Information We Collect

When you use zelytovario's budgeting platform, we collect different types of information to provide you with personalized financial insights and tools. Here's what we gather and why.

Information You Provide Directly

You give us information when you create an account, set up budgets, or contact our support team. This includes:

• Your name, email address, and phone number
• Financial goals and budget categories you create
• Transaction descriptions and amounts you manually enter
• Communication preferences and feedback you share with us
• Any correspondence you send through our support channels

Information From Your Financial Accounts

If you choose to connect your bank accounts or credit cards, we collect transaction data through secure banking APIs. This helps us automatically categorize expenses and track your spending patterns. We only access read-only data and cannot initiate transactions on your behalf.

Technical Information

Like most online services, we automatically collect certain technical data when you use our platform. This includes your IP address, browser type, device information, and how you interact with our website. We use this to improve performance and fix bugs.

How We Use Your Information

We're not in the business of selling your data. Everything we collect serves a specific purpose related to making zelytovario work better for you.

We also use aggregated, anonymized data to understand broader trends in budgeting behavior. This helps us create better educational content and improve our service for everyone. But this aggregated data can't be traced back to individual users.

Data Sharing and Third Parties

We don't sell your personal information to advertisers or data brokers. However, we do work with trusted partners who help us run our service. Here's the complete picture.

Service Providers

We share necessary information with companies that help us operate zelytovario. This includes cloud hosting providers, payment processors, customer support tools, and analytics services. These partners are contractually obligated to protect your data and can only use it for the specific services they provide to us.

Financial Institutions

When you connect your bank accounts, we work with financial data aggregation services that securely retrieve your transaction information. These services comply with Australian banking regulations and use bank-level encryption.

Legal Requirements

Sometimes we're legally required to disclose information. This might happen if we receive a valid subpoena, court order, or need to comply with Australian privacy laws. We'll notify you about such requests unless we're prohibited from doing so.

Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. We've built tools to make exercising these rights straightforward.

To exercise any of these rights, log into your account or email us at support@zelytovario.com. We'll respond to your request within 30 days.

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.

Encryption

All data transmitted between your device and our servers is encrypted using TLS 1.3 protocol. Your financial information is also encrypted at rest using AES-256 encryption. Even if someone accessed our servers, they couldn't read your data without the encryption keys.

Access Controls

We strictly limit who can access user data within our team. Only authorized personnel with a legitimate business need can view personal information, and all access is logged and monitored.

Regular Security Audits

We conduct quarterly security assessments and annual penetration testing by independent security firms. This helps us identify and fix vulnerabilities before they become problems.

Two-Factor Authentication

We strongly encourage all users to enable two-factor authentication. This adds an extra layer of protection to your account beyond just your password.

Data Retention

We don't keep your information forever. Here's how long we retain different types of data and why.

Active account data is kept for as long as your account remains open. This includes your profile information, budget settings, and transaction history. You need this data to use zelytovario effectively.

After you delete your account, we remove most personal information within 90 days. However, we're required to retain certain financial records for seven years to comply with Australian tax and financial regulations. During this retention period, your data is archived and inaccessible for normal business operations.

Technical logs and anonymized analytics data may be kept longer for security purposes and service improvement, but this information cannot be linked back to you individually.

International Data Transfers

Your data is primarily stored on servers located in Australia. However, some of our service providers operate internationally, which means your information might be processed in other countries.

When we transfer data outside Australia, we ensure that appropriate safeguards are in place. This includes using standard contractual clauses approved by privacy regulators and working only with providers in countries with adequate privacy protections.

You have the right to know where your data is being processed. Contact us if you'd like specific details about data transfers.

Cookies and Tracking

We use cookies and similar technologies to make zelytovario work properly and improve your experience. Here's what you should know.

Essential Cookies

These are necessary for the platform to function. They remember your login status, maintain your session, and keep your settings consistent across pages. You can't disable these without breaking core functionality.

Analytics Cookies

We use analytics tools to understand how people use zelytovario. This helps us identify confusing features or technical issues. You can opt out of analytics cookies in your account settings.

Preference Cookies

These remember your choices like dashboard layout or notification preferences. They make your experience more personalized but aren't required.

We don't use advertising cookies or allow third-party advertisers to track you on our platform.

Children's Privacy

zelytovario is designed for adults managing their personal finances. We don't knowingly collect information from anyone under 18 years old. If you're a parent and believe your child has provided us with personal information, please contact us immediately so we can delete it.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and display a prominent notice on our platform.

The "Last Updated" date at the top of this page shows when the most recent changes were made. We encourage you to review this policy periodically, especially before providing any new personal information.

If you disagree with changes to this policy, you can delete your account. Continuing to use zelytovario after changes take effect means you accept the updated terms.

Australian Privacy Principles Compliance

zelytovario complies with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988. We're committed to handling your personal information in accordance with these principles, which govern how we collect, use, store, and disclose your data.

If you have concerns about how we handle your information, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). However, we encourage you to contact us first so we can try to resolve any issues directly.