keravonix - Master Your Budget Through Smart Categorization

1 Introduction and Our Commitment

At keravonix, we understand that managing your financial information requires absolute trust. This privacy policy explains how we collect, use, protect, and share your personal information when you use our budget categorization services. We're committed to transparency about our data practices and your rights under Australian privacy laws.

This policy applies to all services provided through keravonix.com and any related applications or tools we offer. By using our services, you agree to the collection and use of information as outlined in this policy. We operate under the Australian Privacy Principles (APPs) established by the Privacy Act 1988.

2 Information We Collect

Personal Information

We collect personal information that you provide directly to us, including your name, email address, phone number, and postal address. When you create an account with keravonix, we also collect login credentials and any profile information you choose to share.

Financial Data

To provide budget categorization services, we collect transaction data, account balances, and spending patterns. This information helps us categorize your expenses accurately and provide meaningful financial insights. We never store your banking passwords or full account numbers.

Usage Information

We automatically collect information about how you interact with our platform, including pages visited, features used, time spent on different sections, and your preferences settings. This helps us improve our services and provide a better user experience.

Device information including IP address, browser type, and operating system
Location data when you grant permission for location-based features
Cookies and similar tracking technologies to enhance functionality
Communication preferences and interaction history with our support team

3 How We Use Your Information

Your information enables us to deliver personalized budget categorization services tailored to your spending habits and financial goals. We analyze your transaction data to automatically categorize expenses, identify spending trends, and provide insights that help you make better financial decisions.

Purpose	Data Used	Legal Basis
Service Delivery	Transaction data, account information	Contract performance
Account Management	Contact details, preferences	Contract performance
Customer Support	Communication history, account data	Legitimate interests
Service Improvement	Usage patterns, feedback	Legitimate interests

We also use your information to communicate important updates about your account, respond to your inquiries, and provide customer support. When you contact us with questions or concerns, we may review your account activity to provide more helpful assistance.

4 Data Sharing and Third Parties

We never sell your personal information to third parties. However, we do work with trusted service providers who help us deliver our budget categorization services effectively. These partnerships are governed by strict data processing agreements that require the same level of protection we provide.

Important:

All third-party integrations are designed to enhance your experience while maintaining the highest security standards. We conduct regular audits of our partners to ensure compliance with Australian privacy laws.

Banking institutions for secure transaction data retrieval
Cloud hosting providers for secure data storage and processing
Analytics services to improve platform performance
Customer support tools to provide better assistance
Legal advisors when required for compliance or dispute resolution

We may disclose your information if required by Australian law, court order, or to protect the rights, property, or safety of keravonix, our users, or the public. In such cases, we will only share the minimum amount of information necessary.

5 Your Privacy Rights

Under Australian privacy laws, you have several important rights regarding your personal information. We've made it easy to exercise these rights through your account settings or by contacting our privacy team directly.

Access and Correction

You can access and update most of your personal information through your keravonix account dashboard. For more comprehensive data requests or corrections, contact us using the details provided below. We'll respond to your request within 30 days.

Data Portability

You have the right to request a copy of your categorized financial data in a commonly used, machine-readable format. This allows you to transfer your financial insights to another service if you choose.

Deletion Rights

You can request deletion of your personal information at any time. We'll permanently remove your data within 60 days, except where we're required by law to retain certain records for regulatory compliance.

If you believe we haven't handled your personal information appropriately, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). However, we encourage you to contact us first so we can address your concerns directly.

6 Data Security and Protection

Protecting your financial information is our top priority. We use industry-standard encryption, secure data centers, and multi-factor authentication to safeguard your data. Our security measures are regularly tested and updated to address emerging threats.

256-bit SSL encryption for all data transmission
Advanced firewall protection and intrusion detection systems
Regular security audits by independent third parties
Employee background checks and ongoing security training
Secure data centers with physical access controls
Regular backup procedures and disaster recovery planning

While we implement comprehensive security measures, no system is completely immune to threats. We maintain incident response procedures and will notify affected users and relevant authorities within 72 hours if a data breach occurs, as required by Australian law.

7 Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods based on their purpose and regulatory requirements.

Data Type	Retention Period	Reason
Account Information	Duration of service + 2 years	Service provision, compliance
Transaction Data	7 years after account closure	Tax and regulatory compliance
Support Communications	3 years after resolution	Quality assurance, dispute resolution
Marketing Preferences	Until withdrawn	Ongoing consent management

When data reaches the end of its retention period, we securely delete it using methods that make recovery impossible. You can request earlier deletion of your data, though some information may need to be retained for legal compliance.

8 International Data Transfers

Your data is primarily stored and processed within Australia using local data centers. However, some of our trusted service providers may process data in other countries with adequate privacy protections, including the United States and European Union.

Cross-Border Disclosure:

When we transfer data internationally, we ensure appropriate safeguards are in place, including contractual protections and adequacy decisions. You have the right to request information about any international transfers of your personal data.

All international data transfers comply with Australian Privacy Principle 8, which requires us to take reasonable steps to ensure overseas recipients don't breach the Australian Privacy Principles.

9 Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These small files help us remember your preferences, keep you logged in, and understand how you use our services.

Essential Cookies

These cookies are necessary for the basic functionality of our platform, including security, account authentication, and maintaining your session. These cannot be disabled without affecting core service functionality.

Analytics Cookies

We use analytics cookies to understand how users interact with our platform, which features are most popular, and where we can make improvements. This data is aggregated and doesn't identify individual users.

You can manage your cookie preferences through your browser settings or our cookie preference center. However, disabling certain cookies may limit your ability to use some features of our service.

10 Children's Privacy

keravonix's budget categorization services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18. If we discover that we have inadvertently collected such information, we will delete it immediately.

Parents or guardians who believe their child has provided personal information to keravonix should contact us immediately. We will work with you to ensure any such information is removed from our systems promptly.

11 Changes to This Privacy Policy

We may update this privacy policy to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you through your registered email address or through our platform.

We encourage you to review this privacy policy periodically. Continued use of our services after changes are posted constitutes acceptance of the updated policy. The "Effective Date" at the top of this policy indicates when it was last revised.

Privacy Policy