Personal Information You Provide

When you sign up for our budgeting tools or contact our team, we collect information you directly share with us. This includes your name, email address, phone number, and residential address. We also gather financial information like income details, expense categories, and budgeting goals you set within our platform.

If you use our premium features, we'll collect payment information through our secure payment processors. We never store complete credit card numbers on our servers - that's handled by certified payment providers who specialise in financial security.

Automatically Collected Data

Our systems automatically collect certain technical information to keep everything running smoothly. This includes your IP address, browser type, device information, and how you interact with our platform. We track which features you use most often so we can improve them.

• Device identifiers and operating system details
• Browser settings and preferred language
• Time spent on different sections of our platform
• Geographic location (country and state level only)
• Referral source - how you found our website

Core Service Delivery

We use your financial information to create customised budget recommendations, track your spending patterns, and send you relevant insights about your financial habits. When you tell us your income and expenses, we can suggest realistic savings goals and alert you to potential overspending.

Your contact information lets us send important account updates, security notifications, and educational content about budgeting strategies. We'll also use it to provide customer support when you need help with our platform.

Platform Improvement

We analyse usage patterns to understand which features are most valuable and where people might be getting stuck. This helps us build better tools and create a more intuitive experience. All this analysis happens at an aggregate level - we're looking at trends across all users, not examining individual accounts.

Communication and Support

We'll use your contact details to respond to your questions, send important account information, and occasionally share educational content about budgeting and financial planning. You can control what types of communications you receive through your account preferences.

Service Providers

Some aspects of our service rely on trusted third-party providers. Our payment processor handles subscription billing, our email service manages account notifications, and our hosting provider keeps our platform running securely. All these partners are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.

Legal Requirements

Australian law sometimes requires us to share information with government agencies or law enforcement. This might happen if there's a court order, a legitimate investigation, or if we need to protect someone's safety. We'll always verify the legitimacy of such requests and only share the minimum information required.

Business Transfers

If theraqionis were ever acquired by another company or merged with another business, your information might be part of that transfer. We'd make sure any new owner follows the same privacy standards we maintain today, and we'd notify you well in advance of any such change.

How to Exercise Your Rights

To make any of these requests, simply email us at help@theraqionis.com with your account details and what you'd like to do. We'll verify your identity to protect your privacy and respond within 30 days. Most requests can be handled immediately through your account dashboard.

Technical Safeguards

All data transmission between your device and our servers is encrypted using industry-standard TLS protocols. Your financial information is stored in encrypted databases with multiple layers of security. We use secure hosting facilities in Australia with 24/7 monitoring and environmental controls.

Our systems undergo regular security audits and penetration testing to identify and fix potential vulnerabilities before they can be exploited. We also maintain comprehensive backup systems to protect against data loss.

Access Controls

Only authorised theraqionis team members can access user data, and only when necessary for providing support or maintaining our services. All access is logged and monitored. Our employees undergo background checks and sign strict confidentiality agreements.

Incident Response

If we ever detected a security breach that might affect your information, we'd notify you within 72 hours along with details about what happened and what we're doing about it. We maintain detailed incident response procedures and work with cybersecurity specialists to handle any threats quickly.

Active Account Data

While your account is active, we keep all your financial data, budgets, and transaction history so you can access your complete financial picture whenever you need it. This information is essential for tracking long-term financial progress and providing meaningful insights.

Inactive Account Handling

If you haven't used your account for 24 months, we'll send email reminders asking if you want to keep it active. After 36 months of inactivity, we'll begin deleting your financial data while keeping basic account information for another 12 months in case you want to reactivate.

Legal and Tax Records

Some information needs to be kept longer for legal compliance. Financial records that might be relevant for tax purposes are retained for 7 years as required by Australian tax law. Communication records and support tickets are kept for 3 years to help resolve any disputes or regulatory inquiries.

Immediate Deletion Requests

If you request deletion of your account, we'll remove your financial data immediately. Some records might be retained in our backup systems for up to 90 days while those backups cycle through our security procedures, but this data won't be accessible or used for any purpose.

Primary Data Storage

All your financial information and account data is stored on servers located in Australia. This means your most sensitive information stays within Australian jurisdiction and remains subject to Australian privacy laws at all times.

Service Provider Transfers

Some of our service providers operate internationally. For example, our email system might route through servers in countries with adequate privacy protections. We only work with providers that maintain strong privacy standards and have appropriate safeguards for international data transfers.

Before using any international service provider, we verify they have adequate privacy protections in place. This includes contractual protections, certification under recognised privacy frameworks, or operation in countries deemed to have adequate privacy laws by Australian authorities.

Your Control Options

If you prefer to restrict international transfers of your data, you can contact our support team to discuss alternative arrangements. While this might limit some functionality, we'll work with you to find solutions that respect your privacy preferences.

Essential Cookies

These cookies are necessary for our platform to function. They handle things like keeping you logged in, remembering your language preferences, and maintaining your session security. You can't disable these cookies without breaking the functionality of our service.

Analytics and Performance

We use analytics cookies to understand which features are most popular, where users encounter problems, and how we can improve the overall experience. This information is aggregated and anonymised - we're looking at patterns across all users rather than tracking individuals.

Personalisation

Some cookies help us personalise your experience by remembering your preferences for dashboard layout, notification settings, and display options. These make theraqionis more convenient to use by adapting to how you prefer to work with your budget.

Cookie Management

You can control non-essential cookies through your browser settings or our cookie preference centre. Keep in mind that blocking some cookies might affect how well certain features work. We'll never use cookies to track your activity on other websites or build advertising profiles.

Types of Changes

Minor updates might include clarifications to existing policies, updates to contact information, or small procedural changes. Major changes would involve new types of data collection, significant changes to how we use information, or alterations to your privacy rights.

How We Notify You

For minor changes, we'll update the "last modified" date at the top of this policy and post a notification in your account dashboard. For major changes that affect how we handle your data, we'll send direct email notifications at least 30 days before the changes take effect.

We'll never make changes that reduce your privacy rights without giving you the option to maintain your current protections or close your account if you prefer.

Staying Informed

We recommend checking this privacy policy periodically, especially if you have concerns about data privacy. We date all our updates clearly and maintain a summary of recent changes to make it easy to see what's new.