Privacy Policy

1. Information We Collect

Personal Information

When you register for corithalenova's budgeting platform, we collect personal information that you voluntarily provide to us. This includes your name, email address, phone number, and postal address. We also collect financial information necessary to provide our budgeting services, including bank account details, transaction history, and spending patterns.

Usage Information

We automatically collect information about how you use our platform, including pages visited, features used, time spent on the platform, and interaction patterns. This helps us improve our services and provide personalized budgeting recommendations.

Device Information

We collect information about the devices you use to access our platform, including IP addresses, browser type, operating system, and device identifiers. This information helps us ensure platform security and optimize performance across different devices.

2. How We Use Your Information

Primary Service Delivery

Your personal and financial information is primarily used to provide our budgeting services. We analyze your spending patterns, categorize transactions, and generate personalized budgeting recommendations. This analysis helps you understand your financial habits and make informed decisions about your money management.

Communication and Support

We use your contact information to communicate important updates about your account, send budgeting tips and insights, and provide customer support. You can control the frequency and type of communications you receive through your account settings.

Security and Fraud Prevention

We use your information to protect your account from unauthorized access and fraudulent activities. This includes monitoring unusual account activity, verifying your identity during sensitive operations, and implementing security measures to safeguard your financial data.

• Provide personalized budgeting recommendations and financial insights
• Process transactions and manage your account
• Send important account notifications and security alerts
• Improve our platform based on user behavior and feedback
• Comply with legal and regulatory requirements
• Prevent fraud and ensure platform security

3. Information Sharing and Disclosure

Service Providers

We work with trusted third-party service providers to deliver our budgeting services. These include secure banking data aggregators, cloud storage providers, and payment processors. All service providers are contractually obligated to maintain the confidentiality of your information and use it only for the specific services they provide to us.

Legal Requirements

We may disclose your information when required by law, such as in response to court orders, legal proceedings, or government requests. We will only share the minimum information necessary to comply with legal obligations and will notify you when legally permitted to do so.

Business Transfers

In the event of a merger, acquisition, or sale of corithalenova, your information may be transferred to the new entity. We will provide notice and ensure that your information continues to be protected under this privacy policy or a policy with equivalent protections.

4. Data Security

Encryption and Protection

We implement industry-standard security measures to protect your information. All data transmission is encrypted using TLS 1.3 protocol, and sensitive information is stored using AES-256 encryption. Our servers are hosted in secure facilities with 24/7 monitoring and access controls.

Access Controls

Access to your personal and financial information is strictly limited to authorized personnel who need it to provide services. All employees undergo background checks and regular security training. We maintain detailed audit logs of all access to your information.

Regular Security Audits

We conduct regular security assessments and penetration testing to identify and address potential vulnerabilities. Our security practices are reviewed by independent third-party auditors annually to ensure compliance with industry standards.

5. Your Rights and Choices

Access and Correction

You have the right to access, update, or correct your personal information at any time through your account settings. You can also request a copy of all personal information we have about you by contacting our privacy team.

Data Portability

Upon request, we can provide your personal information in a structured, commonly used format that allows you to transfer it to another service provider. This includes your profile information, transaction history, and budgeting preferences.

Deletion Rights

You can request deletion of your personal information at any time. However, we may retain certain information as required by law or for legitimate business purposes, such as fraud prevention or regulatory compliance. When you delete your account, we will anonymize your data within 30 days.

• Access and download your personal information
• Correct inaccurate or incomplete information
• Delete your account and associated data
• Opt out of non-essential communications
• Restrict certain types of data processing
• Object to processing for specific purposes

6. Data Retention

Retention Periods

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Account information is typically retained for the duration of your account plus seven years after closure, in accordance with Australian financial regulations.

Automatic Deletion

Some information is automatically deleted after specified periods. For example, detailed transaction logs are purged after three years, and temporary session data is deleted after 24 hours of inactivity. Marketing preferences are retained until you opt out or close your account.

Legal Hold

In certain circumstances, we may need to retain information longer than our standard retention periods due to legal holds, ongoing investigations, or regulatory requirements. We will inform you if your information is subject to extended retention.

7. International Data Transfers

Australian Data Protection

As an Australian company, corithalenova operates under the Australian Privacy Principles and the Privacy Act 1988. Your information is primarily stored and processed within Australia using local data centers and service providers.

Cross-Border Transfers

Some of our service providers may be located outside Australia. When we transfer your information internationally, we ensure appropriate safeguards are in place, including standard contractual clauses and adequacy decisions for data protection.

Data Localization

Your financial data and sensitive personal information are stored exclusively within Australian borders. Only non-sensitive operational data may be processed by international service providers under strict contractual protections.

8. Children's Privacy

Age Restrictions

corithalenova's services are designed for adults and individuals over 18 years of age. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected information from a minor, please contact us immediately.

Parental Rights

If we discover that we have collected personal information from a child under 18, we will delete that information promptly. Parents or guardians who believe their child has provided information to corithalenova should contact our privacy team for immediate assistance.

9. Changes to This Policy

Policy Updates

We may update this privacy policy from time to time to reflect changes in our practices, legal requirements, or service offerings. When we make significant changes, we will notify you via email and through prominent notices on our platform.

Continued Use

Your continued use of corithalenova's services after policy changes indicates your acceptance of the updated terms. If you do not agree with the changes, you may close your account and request deletion of your information.