Privacy Policy
We take your privacy seriously. This policy explains how celuvanthor collects, uses, and protects your personal information when you use our budgeting skills platform.
Last Updated: 14 January 2025
celuvanthor operates under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). We're committed to handling your information responsibly and transparently.
This policy applies to all personal information we collect through our website, mobile applications, and related services. By using celuvanthor, you agree to the collection and use of information as described here.
Information We Collect
We collect different types of information depending on how you interact with our platform. Here's what we gather and why:
Personal Information You Provide
When you sign up for celuvanthor or use our services, you might share:
- Name and contact details (email address, phone number)
- Account credentials and security information
- Financial goals and budgeting preferences
- Payment information for premium services
- Profile details you choose to add
- Communication preferences and feedback
Information Collected Automatically
Our systems automatically gather certain data when you use celuvanthor:
- Device information (type, operating system, browser)
- IP address and general location data
- Usage patterns and feature interactions
- Login times and session duration
- Pages visited and navigation paths
- Error logs and performance data
Financial Data You Enter
As a budgeting platform, we process the financial information you voluntarily input to help track your spending and goals. This includes income amounts, expense categories, savings targets, and transaction details you manually enter or categorize.
How We Use Your Information
Your data helps us provide better budgeting tools and improve your experience. We use collected information for several specific purposes:
Service Delivery
To operate the platform, process your budgets, generate reports, and provide personalized financial insights based on your goals.
Account Management
To create and maintain your account, verify identity, process payments, and handle customer support requests.
Communication
To send service updates, respond to inquiries, share educational content, and notify you about important changes to our platform.
Platform Improvement
To analyze usage patterns, test new features, fix bugs, and develop tools that better serve your budgeting needs.
Security & Fraud Prevention
To protect your account, detect suspicious activity, prevent unauthorized access, and maintain platform integrity.
Legal Compliance
To meet Australian regulatory requirements, respond to lawful requests, and enforce our terms of service.
We do not sell your personal information to third parties. We do not use your financial data for advertising purposes outside our own platform.
Data Sharing and Disclosure
We limit data sharing to specific circumstances where it's necessary for service delivery or legally required:
Service Providers
We work with trusted third-party companies that help us operate celuvanthor. These include cloud hosting providers, payment processors, email service providers, and analytics tools. All service providers are contractually required to protect your data and use it only for specified purposes.
Business Transfers
If celuvanthor merges with another company or undergoes restructuring, your information may be transferred as part of that transaction. You'll be notified of any ownership changes and given options regarding your data.
Legal Requirements
We may disclose information when required by Australian law, court orders, or government requests. This includes cooperating with law enforcement agencies when legally obligated to do so.
With Your Consent
In situations not covered above, we'll ask for your explicit permission before sharing your personal information with third parties.
Data Storage and Security
We take security seriously and implement multiple layers of protection for your information:
| Security Measure | Implementation |
|---|---|
| Encryption | All data transmitted to and from celuvanthor is encrypted using industry-standard TLS protocols. Sensitive data is also encrypted at rest in our databases. |
| Access Controls | Strict internal policies limit employee access to personal data. Access is granted only when necessary for specific job functions. |
| Regular Audits | We conduct security assessments and vulnerability testing throughout the year to identify and address potential weaknesses. |
| Secure Infrastructure | Data is stored on secure Australian servers with reputable hosting providers that maintain SOC 2 compliance and similar certifications. |
| Monitoring | Automated systems monitor for unusual activity, unauthorized access attempts, and potential security incidents. |
While we implement strong security measures, no system is completely impenetrable. We encourage you to use strong passwords, enable two-factor authentication where available, and keep your login credentials confidential.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information:
What You Can Do
- Access Your Data: Request a copy of the personal information we hold about you. We'll provide this in a commonly used format within 30 days.
- Correct Information: Ask us to update or fix inaccurate data in your account. You can also make many corrections directly through your account settings.
- Delete Your Account: Request complete deletion of your account and associated data. Some information may be retained for legal compliance purposes.
- Restrict Processing: Ask us to limit how we use your data in certain circumstances, such as while we verify accuracy.
- Data Portability: Receive your data in a structured format to transfer to another service where technically feasible.
- Withdraw Consent: Revoke permission for data processing activities that rely on your consent, without affecting prior processing.
- Object to Processing: Oppose certain types of data processing, such as for marketing purposes or automated decision-making.
- Lodge Complaints: Contact the Office of the Australian Information Commissioner (OAIC) if you believe we've mishandled your information.
How to Exercise Your Rights
To make a request regarding your personal information, contact us using the details at the bottom of this page. We'll respond within 30 days and may ask for verification to confirm your identity before processing certain requests.
Data Retention
We keep your information only as long as necessary for the purposes outlined in this policy:
- Active Accounts: Data is retained while your account remains active and for a reasonable period afterward to facilitate reactivation if you return.
- Deleted Accounts: Most personal data is deleted within 90 days of account closure, though some records may be kept longer for legal compliance.
- Transaction Records: Financial transaction data is retained for seven years to comply with Australian tax and accounting regulations.
- Support Communications: Customer service interactions are kept for three years to maintain service quality and resolve disputes.
- Legal Requirements: Certain data may be retained longer when required by law, for dispute resolution, or to enforce our agreements.
When data is no longer needed, we securely delete or anonymize it so it can no longer identify you personally.
Cookies and Tracking Technologies
celuvanthor uses cookies and similar technologies to improve functionality and understand how people use our platform:
Essential Cookies
These are necessary for the platform to work properly. They enable basic functions like page navigation, secure login, and access to protected areas. The platform won't function properly without these.
Functional Cookies
These remember your preferences and choices to provide enhanced features. Examples include language preferences, display settings, and previously entered information.
Analytics Cookies
We use these to understand how visitors interact with celuvanthor. They help us identify which features are most useful and where people encounter problems. All analytics data is aggregated and anonymous.
You can control cookies through your browser settings, though disabling certain cookies may limit platform functionality. Most browsers allow you to refuse cookies, delete existing cookies, or be notified when new ones are set.
Third-Party Services
celuvanthor integrates with several third-party services to provide full functionality:
- Payment Processors: We use established payment services to handle subscription payments. These providers have their own privacy policies and security practices.
- Cloud Infrastructure: Your data is hosted on secure cloud servers operated by reputable Australian providers with strong privacy protections.
- Email Services: We use email platforms to send account notifications, educational content, and service updates.
- Analytics Tools: Third-party analytics help us understand platform usage and improve the user experience through aggregated, anonymous data.
We carefully vet all third-party providers to ensure they maintain appropriate security standards and data protection practices. When you use celuvanthor, you may be subject to these providers' privacy policies as well.
Children's Privacy
celuvanthor is not intended for children under 13 years of age. We do not knowingly collect personal information from children. If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can delete it.
For users between 13 and 18, we recommend parental involvement and supervision when using budgeting tools and entering financial information.
International Data Transfers
Your data is primarily stored on servers located within Australia. In some cases, our service providers may process data in other countries with adequate privacy protections. When data is transferred internationally, we ensure appropriate safeguards are in place through contractual obligations and compliance with cross-border data transfer regulations.
If you access celuvanthor from outside Australia, your information may be transferred to and processed in Australia, which has robust privacy protections under the Privacy Act 1988.
Changes to This Policy
We update this privacy policy occasionally to reflect changes in our practices, legal requirements, or platform features. When we make significant changes, we'll notify you through email or a prominent notice on the platform.
The "Last Updated" date at the top of this page shows when the policy was most recently revised. We encourage you to review this policy periodically to stay informed about how we protect your information.
Continued use of celuvanthor after policy changes indicates acceptance of the updated terms. If you disagree with changes, you can close your account before they take effect.
Questions About Your Privacy?
If you have questions about this privacy policy or how we handle your personal information, we're here to help.