1. Information We Collect

We collect different types of information depending on how you interact with our services. Here's what we gather and why it matters for your budgeting experience.

Information You Provide Directly

Most of what we know about you comes from what you tell us. When you set up budget categories, add transactions, or reach out to our support team, you're choosing to share that information with us.

Automatically Collected Data

Some information gets collected automatically through cookies and similar technologies. We use this to remember your preferences, keep you logged in, and understand how people use our platform. You can control cookie settings through your browser, though some features might not work as well if you block them.

2. How We Use Your Information

We don't collect data just for the sake of it. Everything we gather serves a specific purpose in delivering and improving our budgeting service.

• Providing core budgeting functionality and tracking your financial progress
• Personalizing your experience based on your spending patterns and goals
• Sending you important updates about your account or our services
• Responding to your questions and providing customer support
• Detecting and preventing fraudulent activity or security threats
• Analyzing usage trends to improve our platform and develop new features
• Complying with legal obligations and responding to lawful requests

3. Australian Privacy Principles Compliance

As an Australian-based service, we follow the Australian Privacy Principles (APPs) under the Privacy Act 1988. This means we're subject to regulations specifically designed to protect your privacy rights.

Cross-Border Data Transfers

We primarily store data within Australia, but some of our service providers operate internationally. When your information leaves Australia, we ensure those providers maintain equivalent privacy protections through contractual obligations and security measures.

4. Data Storage and Security

Keeping your financial information secure isn't just a priority—it's fundamental to what we do. We use industry-standard encryption and security practices to protect your data.

Technical Safeguards

• 256-bit SSL encryption for all data transmitted between your device and our servers
• Encrypted storage for sensitive financial information at rest
• Regular security audits and penetration testing
• Multi-factor authentication options to protect your account
• Secure backup systems with redundancy measures

Access Controls

Only authorized personnel can access user data, and they can only do so when necessary for specific operational purposes. Every access is logged and monitored. Our team members sign confidentiality agreements and receive regular security training.

Data Retention

We keep your information for as long as your account remains active. After you close your account, we retain certain data for seven years to comply with Australian financial record-keeping requirements. After that period, we securely delete or anonymize your information.

5. Your Privacy Rights

You're in control of your personal information. Here's what you can do with the data we hold about you.

How to Exercise Your Rights

Send us an email at contact@saltenovia.com with your request. We'll need to verify your identity before processing most requests, so be prepared to provide some identifying information. Most requests are fulfilled within 30 days, though complex requests might take longer.

6. Sharing Your Information

We don't share your personal information lightly. When we do share data, it's only with trusted partners who help us provide our service, and they're bound by strict confidentiality agreements.

Service Providers

We work with companies that help us operate our platform—cloud hosting providers, email services, analytics tools. These partners can only use your information to provide services to us, not for their own purposes.

Legal Requirements

Sometimes we're legally required to disclose information. This might happen in response to court orders, government investigations, or to comply with Australian financial regulations. We'll notify you about these requests unless prohibited by law.

Business Transfers

If saltenovia is acquired or merges with another company, your information would be transferred to the new entity. We'd notify you before this happens and explain any changes to how your data is handled.

With Your Consent

For anything outside these specific scenarios, we'll ask for your explicit permission before sharing your information.

7. Children's Privacy

Our service isn't designed for children under 18. We don't knowingly collect information from minors. If you're a parent and discover your child has created an account, please contact us and we'll delete their information.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to make our service work better. Some are essential for basic functionality, while others help us understand usage patterns and improve your experience.

Types of Cookies We Use

• Essential Cookies: Required for login, security, and basic platform functionality
• Preference Cookies: Remember your settings and choices
• Analytics Cookies: Help us understand how people use our platform
• Security Cookies: Protect against fraud and unauthorized access

You can manage cookie preferences through your browser settings. Keep in mind that blocking certain cookies might affect how our platform works for you.

9. 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 via email or through a prominent notice on our platform.

The "Last Updated" date at the top tells you when we last revised the policy. We encourage you to review it periodically, especially if you have concerns about how your information is handled.

10. International Users

While we're based in Australia and primarily serve Australian users, people from other countries can use our service. If you're accessing saltenovia from outside Australia, your information will be transferred to and processed in Australia under Australian privacy laws.

By using our service from another country, you acknowledge this transfer and processing. If you have concerns about how your country's privacy laws interact with Australian regulations, feel free to reach out.