Privacy Policy
At ravionquarli, we understand that your privacy is paramount when it comes to financial planning and budgeting. This comprehensive privacy policy explains how we collect, use, protect, and manage your personal information as you use our budget planning platform to achieve your financial goals.
Information We Collect
We collect several types of information to provide you with our comprehensive budget planning services. This includes information you provide directly to us, information we collect automatically through your use of our platform, and information we may receive from third parties when you connect external financial accounts.
Personal Information You Provide
- Account registration details including your name, email address, and phone number
- Financial information such as income details, expense categories, and budget goals
- Bank account information when you choose to connect external accounts
- Communication preferences and customer service interactions
- Profile information and personalisation settings
Automatically Collected Information
- Device information including IP address, browser type, and operating system
- Usage patterns and interaction data with our platform features
- Location data if you enable location-based services
- Cookies and similar tracking technologies for enhanced user experience
- Session information and login timestamps for security purposes
How We Use Your Information
Your information helps us deliver personalised budget planning services, improve our platform, and ensure the security of your financial data. We're committed to using your information responsibly and only for purposes that benefit your financial planning journey.
| Purpose | Information Used | Legal Basis |
|---|---|---|
| Account Management | Registration details, preferences | Contract performance |
| Budget Analysis | Financial data, transaction history | Contract performance |
| Platform Improvement | Usage patterns, feedback | Legitimate interest |
| Security Monitoring | Device data, login information | Legitimate interest |
| Customer Support | Contact details, issue reports | Contract performance |
Important: We never use your financial information for marketing purposes or share it with third parties for their marketing activities. Your budget data remains confidential and is only used to enhance your personal financial planning experience.
Information Sharing and Disclosure
We maintain strict controls over who can access your personal information. We only share your data in specific circumstances that are necessary for providing our services or as required by law. Your financial privacy is our priority, and we've implemented comprehensive measures to protect your information.
When We May Share Information
- With trusted service providers who help us operate our platform under strict confidentiality agreements
- When required by law, regulation, or valid legal process
- To protect our rights, property, or safety, or that of our users or others
- In connection with business transfers, mergers, or acquisitions with appropriate safeguards
- With your explicit consent for specific purposes you've approved
Third-Party Service Providers
We work with carefully selected partners who assist us in providing budget planning services. These include cloud hosting providers, payment processors, and customer support systems. All third-party providers are bound by strict confidentiality agreements and are only permitted to use your information for the specific services they provide to us.
Data Security and Protection
We employ industry-leading security measures to protect your financial information. Our multi-layered approach includes encryption, secure data centres, regular security audits, and strict access controls to ensure your personal and financial data remains safe.
Security Measures
- 256-bit SSL encryption for all data transmission and storage
- Multi-factor authentication options for enhanced account security
- Regular security assessments and penetration testing
- Secure data centres with 24/7 monitoring and environmental controls
- Employee background checks and ongoing security training programs
- Incident response procedures and breach notification protocols
While we implement robust security measures, no system is completely immune to security risks. We continuously monitor and update our security practices to address emerging threats and maintain the highest level of protection for your information.
Your Privacy Rights
You have significant control over your personal information and how it's used. We respect your privacy rights and provide multiple ways for you to access, modify, or delete your information. Understanding these rights empowers you to make informed decisions about your data.
Your Rights Include
- Access your personal information and receive a copy of the data we hold about you
- Correct inaccurate or incomplete information in your account
- Delete your account and associated personal information
- Restrict certain types of data processing activities
- Object to specific uses of your information
- Data portability to transfer your information to another service
Exercising Your Rights
To exercise any of these rights, you can contact us directly through your account settings, email us at info@ravionquarli.com, or call us at +61740321860. We typically respond to requests within 10 business days and may require identity verification to protect your information from unauthorised access.
Data Retention and Deletion
We retain your information only 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.
| Information Type | Retention Period | Reason for Retention |
|---|---|---|
| Account Information | Duration of account + 7 years | Legal compliance, fraud prevention |
| Financial Data | Duration of account + 7 years | Regulatory requirements |
| Usage Analytics | 3 years from collection | Service improvement |
| Support Communications | 5 years from resolution | Quality assurance, training |
| Marketing Preferences | Until withdrawn | Ongoing consent management |
When you close your account, we begin the deletion process immediately for information that's no longer required. Some information may be retained longer to comply with legal obligations or legitimate business needs, but access is restricted to authorised personnel only.
International Data Transfers
As an Australian-based company, we primarily store and process your data within Australia. However, some of our trusted service providers may be located in other countries. When international transfers occur, we ensure appropriate safeguards are in place to protect your information.
- All international transfers comply with Australian Privacy Principles
- We use standard contractual clauses and adequacy decisions where applicable
- Service providers must meet equivalent privacy protection standards
- Regular audits ensure ongoing compliance with transfer requirements
- You can request specific information about data transfer arrangements
Children's Privacy
Our budget planning platform is designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18. If we become aware that we've collected information from someone under 18, we take immediate steps to delete that information and close any associated account.
Parents and guardians who believe their child may have provided information to us should contact us immediately. We'll investigate promptly and take appropriate action to protect the child's privacy.
Changes to This Privacy Policy
We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll notify you through your registered email address and provide a prominent notice on our platform.
- Minor updates may be made without prior notice but will be reflected in the "Last Updated" date
- Significant changes will be communicated at least 30 days before taking effect
- You'll have the opportunity to review changes and decide whether to continue using our services
- Continued use of our platform after changes take effect constitutes acceptance
- Previous versions of our privacy policy are available upon request
Contact Us About Privacy
Questions about this privacy policy or our data practices? We're here to help.