Privacy Policy

Information We Collect

Personal Information You Provide

When you sign up for our services or contact us, we collect information that helps us provide better financial guidance. This includes your name, email address, phone number, and postal address. We also collect financial information relevant to budget planning, but we don't ask for everything under the sun.

During consultations, you might share details about your income, expenses, and financial goals. We store this securely because it's essential for creating personalized budget strategies that actually work for your situation.

Information Collected Automatically

Our website collects some technical data automatically. This includes your IP address, browser type, device information, and how you interact with our site. We use this to improve your experience and fix things when they break.

How We Use Your Information

We use your information to deliver the financial services you've requested. That means analyzing your budget situation, providing recommendations, and following up on your progress. We're not in the business of selling your data to third parties or bombarding you with unrelated marketing.

• Providing personalized budget surplus management advice tailored to your financial circumstances
• Communicating with you about your account, services, and relevant updates to our offerings
• Improving our services based on feedback and usage patterns we observe
• Complying with Australian financial regulations and legal obligations we're bound by
• Protecting against fraud, unauthorized access, and other security risks
• Analyzing trends to develop better tools and resources for budget management

Information Sharing and Disclosure

We keep your information within our organization as much as possible. But there are some situations where we need to share data with trusted partners or comply with legal requirements.

Service Providers

We work with carefully selected companies that help us run our business. This includes cloud storage providers, payment processors, and communication platforms. These partners are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.

Legal Requirements

Sometimes the law requires us to disclose information. This happens if we receive a valid court order, subpoena, or need to comply with Australian tax and financial regulations. We'll notify you about such requests unless legally prohibited from doing so.

Business Transfers

If myrathione is acquired or merged with another company, your information would be transferred as part of that transaction. We'd notify you beforehand and ensure the new entity respects your privacy choices.

Your Privacy Rights

Under Australian privacy law, particularly the Privacy Act 1988 and Australian Privacy Principles, you have significant control over your personal information. These aren't just theoretical rights – we've built processes to make them practical.

To exercise any of these rights, contact us using the details at the bottom of this policy. We'll verify your identity and process your request as quickly as possible. Most requests are handled within 30 days, though complex ones might take a bit longer.

Data Security and Protection

We protect your information using industry-standard security measures. Our systems use encryption both when data is being transmitted and when it's stored on our servers. Access to personal information is restricted to employees who need it to do their jobs, and they're trained on proper data handling.

• SSL/TLS encryption for all data transmitted between your browser and our servers
• AES-256 encryption for data stored in our databases and backup systems
• Multi-factor authentication for all staff accessing customer information
• Regular security audits and penetration testing by independent firms
• Automated monitoring systems that alert us to suspicious activity
• Strict access controls limiting who can view or modify customer data
• Regular backups stored in geographically separate locations for disaster recovery

Despite our best efforts, no system is completely secure. If we experience a data breach that affects your information, we'll notify you within 72 hours and explain what happened, what data was involved, and what steps we're taking to address it.

Data Retention

We keep your information for as long as you're using our services, plus additional time required by Australian law. Financial records must be retained for seven years after the relationship ends, which is a legal requirement we can't avoid.

Technical data and website analytics are kept for 24 months. Communication records stay on file for five years to handle any disputes or questions that might arise. Once the retention period expires, we securely delete your information unless you've requested otherwise or we have a legitimate reason to keep it longer.

Cookies and Tracking Technologies

Our website uses cookies to remember your preferences and improve your experience. We don't use invasive tracking or share cookie data with advertising networks. You can disable cookies in your browser, though some features might not work properly.

Types of Cookies We Use

• Essential cookies that keep you logged in and remember your session
• Functional cookies that remember your preferences and settings
• Analytics cookies that help us understand how people use our website

We don't use third-party advertising cookies or sell your browsing data to marketing companies. The analytics we collect stay within our organization and are used solely to improve our services.

International Data Transfers

Your data is primarily stored on servers located in Australia. Some of our service providers operate cloud infrastructure that may process data in other countries, including the United States and the European Union. When this happens, we ensure appropriate safeguards are in place through standard contractual clauses and data processing agreements.

We only work with providers in countries with adequate privacy protections. If you have concerns about where your data is stored or processed, contact us and we'll provide specific details about your account.

Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect information from children. If we discover that we've accidentally collected data from someone under 18, we'll delete it immediately. Parents who believe their child has provided information to us should contact us right away.

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and post a notice on our website. The date at the top of this policy shows when it was last updated.

We encourage you to review this policy periodically. Continued use of our services after changes are posted means you accept the updated terms. If you disagree with changes, you can close your account or stop using our services.

Complaints and Disputes

If you have a complaint about how we handle your personal information, contact us first. We'll investigate and respond within 30 days. Most issues can be resolved through direct communication.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent authority that handles privacy complaints in Australia. You can reach them at oaic.gov.au or by calling 1300 363 992.