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Privacy Policy

How we protect and handle your personal information

Last Updated: March 15, 2025

1. Information We Collect

At aurcephyrayra, we collect various types of information to provide you with exceptional budget management services and personalized financial guidance. We believe in transparency about what information we gather and how we use it to enhance your experience.

Personal Information

Name, email address, phone number, postal address, and date of birth when you register for our services or contact us.

Financial Data

Budget categories, income information, expense tracking data, and financial goals you share with us through our platform.

Usage Information

How you interact with our website, features you use most, time spent on different sections, and your preferences.

Technical Data

IP address, browser type, device information, operating system, and cookies that help us improve our services.

We collect this information through various means including direct interactions when you fill out forms, automatic collection through cookies and tracking technologies, and third-party sources when you connect external financial accounts with your consent.

2. How We Use Your Information

Your information serves multiple purposes in delivering our comprehensive budget management services. We process your data to create personalized financial insights, provide customer support, and continuously improve our platform based on user behavior patterns.

Primary Uses Include:
  • Providing personalized budget recommendations and financial insights tailored to your specific situation
  • Processing your transactions and maintaining accurate records of your financial activities
  • Sending important service updates, security alerts, and educational content about budget management
  • Analyzing usage patterns to improve our platform features and user experience
  • Conducting research and development to create new financial tools and services
  • Complying with legal obligations and regulatory requirements in the financial services industry

Marketing Communications: We may use your contact information to send you newsletters, promotional materials, and updates about new features. You can opt out of these communications at any time through your account settings or by clicking the unsubscribe link in our emails.

3. Information Sharing and Disclosure

We maintain strict controls over how your information is shared and never sell your personal data to third parties. Information sharing occurs only under specific circumstances and with appropriate safeguards in place.

We Share Information With:
  • Service providers who assist us in delivering our services, such as cloud hosting providers and payment processors
  • Financial institutions when you authorize us to connect your accounts for budget tracking purposes
  • Legal authorities when required by law, court order, or to protect the rights and safety of our users
  • Professional advisors including lawyers, accountants, and consultants who assist us in business operations
  • Potential business partners in the event of a merger, acquisition, or sale of assets, subject to confidentiality agreements

Important Note

We never share your personal financial information for marketing purposes without your explicit consent. All third-party service providers are contractually obligated to maintain the confidentiality and security of your information.

4. Data Security Measures

Protecting your financial information is our top priority. We employ multiple layers of security measures and follow industry best practices to safeguard your data against unauthorized access, alteration, or disclosure.

Our Security Framework

Encryption

All data transmitted between your device and our servers is encrypted using TLS 1.3 protocol, and sensitive information is encrypted at rest using AES-256 encryption.

Access Controls

Strict access controls ensure only authorized personnel can access your information, with regular reviews of access permissions and multi-factor authentication requirements.

Regular Audits

We conduct regular security audits and penetration testing to identify and address potential vulnerabilities in our systems and processes.

Data Backup

Your information is regularly backed up to secure, geographically distributed servers to ensure data availability and disaster recovery capabilities.

5. Your Privacy Rights

You have significant control over your personal information and how it's used. We provide various tools and processes to help you exercise these rights effectively.

Your Rights Include

Access Your Data

Request a copy of all personal information we hold about you, including how it's being used and with whom it's shared.

Correct Information

Update or correct any inaccurate or incomplete personal information in your account at any time.

Delete Your Data

Request deletion of your personal information, subject to legal and regulatory requirements we must comply with.

Restrict Processing

Limit how we use your information in certain circumstances while maintaining your account access.

Data Portability

Receive your personal information in a structured, machine-readable format for transfer to another service provider.

Opt-Out Rights

Withdraw consent for marketing communications and certain data processing activities at any time.

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within 30 days and may need to verify your identity before processing certain requests.

6. Data Retention

We retain your personal information only for as long as necessary to provide our services and comply with legal obligations. Different types of information have different retention periods based on their purpose and legal requirements.

Retention Periods

Account Information

Retained for the duration of your account plus 7 years after closure for regulatory compliance.

Financial Data

Maintained for 7 years after your last transaction or account closure, whichever is later.

Marketing Data

Deleted within 2 years of your last interaction with marketing communications or when you opt out.

Technical Logs

Automatically deleted after 12 months unless needed for security investigations.

When we no longer need your information, we securely delete or anonymize it. Some information may be retained longer if required by law or for legitimate business purposes such as fraud prevention.

7. International Data Transfers

While our primary operations are based in Australia, we may transfer your information to service providers located in other countries to provide our services effectively. These transfers are conducted with appropriate safeguards to protect your privacy.

Transfer Safeguards: When transferring data internationally, we ensure adequate protection through standard contractual clauses, adequacy decisions, or other approved transfer mechanisms. We only work with service providers who demonstrate strong data protection practices.

Countries where your data may be processed include the United States, Canada, and members of the European Union. We regularly review the data protection standards in these jurisdictions and adjust our practices accordingly.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website, analyze usage patterns, and provide personalized content. You have control over how these technologies are used.

Types of Cookies We Use:
  • Essential cookies that are necessary for the website to function properly and cannot be disabled
  • Performance cookies that collect information about how you use our website to help us improve it
  • Functionality cookies that remember your preferences and settings for a better user experience
  • Marketing cookies that track your browsing habits to provide relevant advertisements and content

You can manage your cookie preferences through your browser settings or our cookie consent tool. Note that disabling certain cookies may affect the functionality of our website.

9. Children's Privacy

Our services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18 years of age. If we discover that we have collected information from a child under 18, we will take immediate steps to delete such information.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We will work with you to address the situation and ensure the child's information is properly handled.

10. Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes through email or prominent notices on our website.

Minor updates that don't materially affect your rights will be posted on our website with an updated effective date. We encourage you to review this policy regularly to stay informed about how we protect your information.

Notification Process: For significant changes that affect how we collect, use, or share your information, we will provide at least 30 days' advance notice and may require your consent before implementing the changes.

Contact Information

If you have questions about this privacy policy or how we handle your personal information, please contact us:

Address: 46a Hurst St, Bundaberg Central QLD 4670, Australia

Phone: +61438712377

Email: info@aurcephyrayra.com

We are committed to working with you to resolve any privacy concerns and will respond to your inquiries within 5 business days.