Privacy Policy
At seraphytoniqo, we're committed to protecting your personal information and being transparent about how we collect, use, and safeguard your data. This privacy policy explains our practices in detail so you can make informed decisions about your financial journey with us.
Information We Collect
We collect various types of information to provide you with personalized budgeting tools and financial guidance tailored to Australian entrepreneurs. This includes information you provide directly, data we gather from your interactions with our platform, and certain technical information that helps us improve our services.
Personal Information You Provide
When you register for our services, we collect basic information such as your name, email address, phone number, and business details. We also gather information about your financial goals, industry type, and location to provide relevant budgeting advice. Payment information is processed securely through our encrypted payment systems and is never stored on our servers in plain text.
Automatically Collected Information
- Device information including browser type, operating system, and IP address
- Usage patterns such as pages visited, time spent on different sections, and feature usage
- Cookies and similar tracking technologies to enhance your experience
- Location data when you permit location-based services
- Communication preferences and interaction history with our support team
How We Use Your Information
Your information helps us create a personalized experience that addresses the unique challenges faced by Australian entrepreneurs. We use this data responsibly and only for legitimate business purposes that benefit your financial management journey.
Service Provision
We use your personal information to provide budgeting tools, generate financial reports, and offer tailored advice based on your business type and goals. This includes analyzing your spending patterns, creating custom budget categories, and providing insights that help you make better financial decisions. We also use your information to process payments, manage your account, and provide customer support when you need assistance.
Communication and Updates
We send you important updates about your account, changes to our services, and educational content that might benefit your business. This includes monthly budget summaries, tips for Australian tax obligations, and alerts about unusual spending patterns. You can control what communications you receive through your account settings.
Improvement and Analytics
We analyze usage data to understand how entrepreneurs use our platform, which features are most valuable, and where we can make improvements. This helps us develop better tools and resources specifically for the Australian business environment. All analytics are conducted in a way that protects individual privacy while helping us serve our community better.
Information Sharing and Disclosure
We don't sell your personal information to third parties. However, there are specific circumstances where we may share your information with trusted partners or as required by law. We're transparent about these situations and always prioritize your privacy and security.
Service Providers
We work with carefully selected service providers who help us deliver our services effectively. This includes payment processors, cloud storage providers, analytics services, and customer support platforms. All these providers are bound by strict confidentiality agreements and are only permitted to use your information for the specific services they provide to us.
Legal Requirements
We may disclose your information when required by Australian law, court orders, or regulatory authorities. This could include responding to subpoenas, investigating fraud, or complying with tax reporting requirements. We will always notify you of such disclosures unless legally prohibited from doing so.
Financial Institution Integration
If you choose to connect your bank accounts or credit cards to our platform, we use bank-level encryption and work with licensed financial data providers. Your banking credentials are never stored on our servers, and all connections are made through secure, read-only access protocols approved by major Australian financial institutions.
Your Privacy Rights
Under Australian Privacy Principles and the Privacy Act 1988, you have significant rights regarding your personal information. We've designed our systems to make exercising these rights as straightforward as possible while maintaining the security of your data.
Access Your Information
You can request a copy of all personal information we hold about you. We'll provide this in a commonly used format within 30 days of your request. You can access most of your information directly through your account dashboard at any time.
Correct Your Information
If any information we hold about you is inaccurate, incomplete, or out of date, you can request corrections. Most personal details can be updated directly in your account settings, while more complex changes may require verification for security purposes.
Delete Your Information
You can request deletion of your personal information, though some data may need to be retained for legal or regulatory purposes. We'll explain what information must be kept and for how long when processing your deletion request.
Restrict Processing
You can ask us to limit how we use your information in certain circumstances, such as while we investigate accuracy concerns or if you object to certain uses of your data. This doesn't mean deleting your information, but rather limiting what we do with it.
How to Exercise Your Rights
To make a privacy request, contact us using the information provided at the end of this policy. We'll need to verify your identity to protect your information from unauthorized access. Most requests are processed within 30 days, though complex requests might take longer. We'll keep you informed throughout the process and never charge fees for reasonable requests.
Data Security and Protection
Protecting your financial information is our top priority. We use multiple layers of security controls and regularly update our practices to defend against evolving threats. Our security measures are designed specifically for financial services and meet Australian industry standards.
Technical Safeguards
- 256-bit SSL encryption for all data transmission between your device and our servers
- Advanced encryption for all stored data using industry-standard AES protocols
- Regular security audits and penetration testing by independent cybersecurity firms
- Multi-factor authentication options to protect your account access
- Automated monitoring systems that detect and respond to suspicious activity
- Regular backups with encrypted storage to prevent data loss
Physical and Administrative Controls
Our data centers are located in Australia and feature 24/7 physical security, biometric access controls, and redundant systems to ensure continuous availability. Our staff undergo background checks and receive regular privacy and security training. Access to personal information is restricted to employees who need it to perform their job functions, and all access is logged and monitored.
Security Incident Response
In the unlikely event of a data breach, we have comprehensive incident response procedures. We'll notify affected users within 72 hours and work with relevant authorities as required by Australian law. Our response plan includes immediate containment measures, forensic analysis, and steps to prevent similar incidents in the future.
Data Retention and Deletion
We keep your information only as long as necessary to provide our services, comply with legal obligations, and protect our legitimate business interests. Different types of information have different retention periods based on their purpose and legal requirements.
Active Account Information
Personal details, preferences, and current financial data are maintained while your account is active and for 12 months after account closure to allow for reactivation if needed.
Transaction and Payment Records
Financial transaction data is retained for 7 years to comply with Australian Taxation Office requirements and for audit purposes. This includes payment history, subscription records, and related correspondence.
Communication Records
Support communications, email correspondence, and feedback are kept for 3 years to help us improve our services and handle any ongoing issues or disputes that might arise.
Usage Analytics
Anonymized usage statistics and analytics data may be retained indefinitely as they cannot be linked back to individual users and help us improve our platform for all users.
Secure Deletion Process
When information reaches the end of its retention period, we use secure deletion methods that make the data unrecoverable. This includes overwriting storage media and using cryptographic erasure techniques. Backup copies are also securely deleted according to the same schedule.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze how our services are used. You have control over these technologies and can adjust your preferences at any time.
Types of Cookies We Use
- Essential cookies: Required for basic platform functionality like login sessions and security features
- Preference cookies: Remember your settings, language preferences, and customization choices
- Analytics cookies: Help us understand how you use our platform to improve performance and features
- Marketing cookies: Used only with your consent to show relevant content and measure campaign effectiveness
Managing Your Cookie Preferences
You can control cookie settings through your browser preferences or our cookie management tool. Disabling certain cookies may affect platform functionality, but we'll always inform you of any limitations. We respect "Do Not Track" browser settings where technically feasible.
International Data Transfers
While we primarily store and process your data within Australia, some of our service providers may be located overseas. When international transfers are necessary, we ensure appropriate safeguards are in place to protect your information.
Cross-Border Data Protection
Any international data transfers comply with Australian Privacy Principles and involve countries with adequate privacy protections or are covered by appropriate contractual safeguards. We regularly review our international arrangements to ensure they meet current privacy standards and only work with providers who demonstrate strong privacy commitments.
Changes to This Privacy Policy
We update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. We're committed to transparency about any changes that might affect how your information is handled.
Notification Process
For minor updates that don't materially affect your rights, we'll post the updated policy on our website with a new "last updated" date. For significant changes, we'll notify you via email at least 30 days before the changes take effect, giving you time to review the updates and make any necessary account adjustments.
Privacy Questions and Contacts
If you have questions about this privacy policy or want to exercise your privacy rights, we're here to help.