Privacy Policy

At mirenquithora, we collect information that helps us provide you with better budget control tools and financial education resources. Here's what we gather and why:

Personal Information: When you create an account, we collect your name, email address, and basic contact details. This helps us personalize your experience and send you important updates about your account.

Financial Data: We collect information about your spending patterns, budget categories, and financial goals that you choose to share with our platform. This data remains encrypted and is only used to provide you with personalized budgeting insights.

• Account registration information including name and email
• Budget categories and spending preferences you set up
• Transaction data you manually input or authorize us to collect
• Communication preferences and feedback you provide

Your information helps us create a more effective budgeting experience. We use the data we collect to:

Personalize Your Experience: We analyze your spending patterns to suggest budget categories and provide insights that match your financial habits. This personalization helps you stick to your budget more effectively.

Improve Our Services: We look at how people use our platform to identify areas where we can add better features or make the interface more intuitive. Your usage patterns help us understand what works and what doesn't.

• Generate personalized budget recommendations and spending alerts
• Provide educational content relevant to your financial goals
• Send you updates about new features that might help your budgeting
• Improve our platform's security and prevent unauthorized access
• Analyze trends to develop better budgeting tools and resources

We also use your information to comply with legal requirements and protect both you and our other users from fraud or misuse of our platform.

We're selective about who we share your information with. Here's our approach to data sharing:

Service Providers: We work with trusted companies that help us operate our platform. These include cloud hosting providers, email services, and security companies. All of these partners are bound by strict confidentiality agreements.

Financial Institution Connections: When you choose to connect your bank accounts, we use established financial data aggregators who specialize in secure, encrypted connections. These companies are regulated and follow strict security protocols.

Legal Requirements: We may share information when required by law, such as responding to court orders or government investigations. We'll always notify you when legally permitted to do so.

• Encrypted data transmission to authorized financial data providers
• Anonymous, aggregated data for research and platform improvement
• Information sharing with law enforcement when legally required
• Data transfers to service providers under strict confidentiality agreements

You have significant control over your personal information. Here's what you can do:

Access Your Data: You can request a complete copy of all personal information we have about you. We'll provide this in a readable format within 30 days of your request.

Update or Correct Information: You can modify your personal information, budget categories, and preferences at any time through your account settings. You can also contact us directly for assistance with updates.

Delete Your Account: You can permanently delete your account and all associated data. This action is irreversible, and we'll completely remove your information from our systems within 90 days.

• Download all your data in a portable format
• Opt out of non-essential communications
• Disconnect financial institution connections at any time
• Request deletion of specific data categories
• Control who can see your profile information

Communication Preferences: You can choose which emails you receive from us. Essential account security notifications will continue, but you can opt out of tips, feature updates, and promotional content.

Protecting your financial information is our top priority. We use multiple layers of security to keep your data safe:

Encryption: All data is encrypted both in transit and at rest. We use bank-level encryption standards (AES-256) to protect your information. This means even if someone intercepts your data, they can't read it without the encryption keys.

Access Controls: Only authorized team members can access user data, and only when necessary for providing support or improving our services. All access is logged and monitored.

• Multi-factor authentication for all accounts
• Regular security audits and penetration testing
• Automated monitoring for suspicious activity
• Secure data centers with physical security measures
• Regular staff training on privacy and security best practices

Data Retention: We keep your information only as long as needed to provide our services or as required by law. Financial data is typically retained for seven years per Australian financial regulations, while basic account information is kept until you delete your account.

If we ever experience a security incident that affects your data, we'll notify you within 72 hours and provide clear information about what happened and what we're doing to fix it.

As an Australian company, we primarily store and process your data within Australia. However, some of our service providers may operate in other countries with strong privacy protections.

Where Your Data Goes: Your information may be processed in Australia, the United States, or European Union countries. We only work with providers in countries that have adequate privacy protections and data transfer agreements.

Transfer Safeguards: When we transfer data internationally, we use approved mechanisms like Standard Contractual Clauses and ensure all recipients provide equivalent protection to what you'd receive under Australian privacy law.

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. Here's how we handle updates:

Notification: We'll send you an email notification at least 30 days before any significant changes take effect. Minor updates, like clarifying existing practices, may be posted with shorter notice.

Your Choices: If you don't agree with changes to our privacy policy, you can delete your account before the changes take effect. Continuing to use our services after changes become effective means you accept the updated policy.

We'll always maintain previous versions of our privacy policy so you can see how our practices have evolved over time.