Personal Information

When you use our household budgeting services, we collect information that helps us provide better financial guidance. This includes your name, email address, and contact details when you register for our learning programs or contact us for support.

Financial Information

We collect basic financial information to help you with budgeting guidance. This may include income ranges, expense categories, and general financial goals. We never store actual bank account numbers or credit card details.

All financial data remains aggregated and anonymized for educational purposes. We use this information to improve our budgeting resources and create more relevant learning materials.

Usage Data

We automatically collect information about how you interact with our website and services. This includes pages visited, time spent on different sections, and which resources you find most helpful.

Your information helps us provide personalized budgeting guidance and improve our educational resources. We use the data we collect for several specific purposes:

• Providing budgeting education and financial literacy resources
• Sending program updates and educational newsletters (with your consent)
• Improving our website functionality and user experience
• Responding to your questions and support requests
• Creating anonymized reports to enhance our educational content
• Ensuring compliance with Australian financial education standards

Service Providers

We work with trusted service providers who help us operate our platform and deliver educational content. These partners include email service providers, website hosting companies, and analytics services.

All service providers are required to maintain the same level of data protection and can only use your information for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by Australian law or if we believe disclosure is necessary to protect our rights, ensure user safety, or comply with legal processes.

Business Transfers

In the unlikely event that vorcoimello is acquired or merges with another company, your information may be transferred as part of that transaction. You will be notified of any such changes.

Under the Australian Privacy Principles (APPs), you have several important rights regarding your personal information:

How to Exercise Your Rights

To exercise any of these rights, contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing your request.

We take data security seriously and implement multiple layers of protection to keep your information safe. Our security measures include:

• SSL encryption for all data transmission between your browser and our servers
• Regular security audits and vulnerability assessments
• Restricted access to personal information on a need-to-know basis
• Secure data storage with Australian-based hosting providers
• Regular staff training on privacy and security best practices
• Incident response procedures in case of any security breaches

Data Breach Notification

In the unlikely event of a data breach that may cause serious harm, we'll notify you and the Office of the Australian Information Commissioner within 72 hours, as required by Australian privacy law.

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Here's how long we typically keep different types of information:

• Account information: Retained while your account is active and for 3 years after closure
• Communication records: Kept for 5 years to help resolve any future inquiries
• Usage data: Aggregated and anonymized data may be retained indefinitely for research purposes
• Marketing preferences: Kept until you withdraw consent or for 7 years, whichever comes first

Automated Deletion

We have automated systems in place to delete personal information that's no longer needed. You'll receive notification before any significant data deletion occurs.

We use cookies and similar technologies to improve your experience on our website. These help us remember your preferences, understand how you use our site, and provide relevant content.

Managing Cookies

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality and your user experience.

Our website may contain links to third-party educational resources and tools. While we carefully select these resources, we're not responsible for their privacy practices. We encourage you to review the privacy policies of any external sites you visit.

Educational Partners

We partner with reputable financial education organizations to provide comprehensive resources. When you access partner content, you may be subject to their privacy policies in addition to ours.

Our services are designed for adults managing household budgets. We don't knowingly collect personal information from children under 13. If you believe we've inadvertently collected information from a child, please contact us immediately.

We may update this privacy policy periodically to reflect changes in our practices or applicable laws. When we make significant changes, we'll notify you by email and post a notice on our website.

Minor updates, such as contact information changes or clarifications, will be posted with an updated "last modified" date. We encourage you to review this policy regularly to stay informed about how we protect your information.