Privacy Policy

Information We Collect

When you use valthorexio's budget optimization services, we collect several types of information to provide you with personalized financial guidance and support.

Personal Information

We collect personal details you provide directly to us, including:

• Full name, email address, and phone number
• Residential address and postal code
• Financial information such as income, expenses, and budget categories
• Banking details for account analysis and optimization recommendations
• Employment information and financial goals

Usage Information

Our platform automatically collects certain information about how you interact with our services, including website navigation patterns, feature usage, and session duration. This helps us understand which tools are most valuable to our clients.

Device and Technical Information

We gather technical data such as IP address, browser type, operating system, and device identifiers. This information helps us ensure our platform works smoothly across different devices and helps us identify potential security issues.

How We Use Your Information

Your personal information serves several important purposes in delivering effective budget optimization services.

Service Delivery

We use your financial information to create personalized budget plans, identify spending patterns, and recommend optimization strategies. Your contact details allow us to send important updates about your account and provide customer support when needed.

Communication and Support

We'll use your email and phone number to send you budget reports, financial tips, and service updates. You can adjust your communication preferences at any time through your account settings or by contacting us directly.

Service Improvement

Aggregated and anonymized usage data helps us understand which features are most helpful and where we can improve our platform. We might analyze general spending trends to develop better budgeting tools, but this analysis never includes personally identifiable information.

Information Sharing and Disclosure

We maintain strict controls over who can access your personal information and under what circumstances we might share it.

Service Providers

We work with carefully selected third-party providers who help us deliver our services. These might include cloud hosting providers, payment processors, and customer support tools. All service providers must agree to handle your information according to our privacy standards and Australian privacy laws.

Legal Requirements

We may disclose your information if required by Australian law, court order, or government regulation. We'll notify you of such requests unless legally prohibited from doing so.

Business Transfers

If valthorexio undergoes a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We'll provide notice and ensure the new organization maintains the same privacy protections.

Your Privacy Rights

Under Australian privacy legislation, including the Privacy Act 1988, you have several important rights regarding your personal information.

Access and Correction

You can request access to the personal information we hold about you and ask us to correct any inaccuracies. We'll respond to your request within 30 days and provide the information in an accessible format.

Data Portability

You can request a copy of your personal data in a structured, machine-readable format. This includes your budget data, spending categories, and account preferences.

Deletion Rights

You can ask us to delete your personal information, subject to certain legal and business requirements. We'll retain some information if required for tax purposes or fraud prevention, but we'll delete everything else within 90 days of your request.

Marketing Communications

You can opt out of marketing emails at any time by clicking the unsubscribe link or adjusting your preferences in your account settings. We'll still send essential service-related communications about your account.

Data Security and Protection

Protecting your financial information is our top priority. We've implemented comprehensive security measures to safeguard your data.

Technical Safeguards

All data transmission uses industry-standard TLS encryption, and your information is stored on secure servers with restricted access. We regularly update our security systems and conduct vulnerability assessments to identify potential risks.

Access Controls

Only authorized valthorexio staff members can access your personal information, and only when necessary for providing services or support. All employees undergo privacy training and sign confidentiality agreements.

Data Backup and Recovery

We maintain secure backups of your information to protect against data loss, but these backups are subject to the same security controls as our primary systems.

Data Retention

We keep your personal information only as long as necessary to provide our services and comply with legal obligations.

Active Account Information

While you're an active client, we retain your budget data, financial information, and account preferences to provide ongoing services and support.

Closed Account Information

After you close your account, we'll delete most personal information within 12 months. We may retain some records for tax compliance, fraud prevention, or legal requirements, but this information is securely stored and not used for any other purpose.

Communication Records

We keep records of customer service interactions and support requests for up to three years to help resolve any ongoing issues and improve our services.

International Data Transfers

valthorexio primarily stores and processes your information within Australia. However, some of our service providers may operate from other countries with strong privacy protections.

When we transfer information overseas, we ensure the receiving country has adequate privacy protections or we implement additional safeguards such as contractual privacy clauses. We never transfer your information to countries without appropriate privacy laws unless you've given explicit consent.

You can request details about any international transfers of your information by contacting our privacy team.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and help us understand how our platform is being used.

Essential Cookies

These cookies are necessary for our website to function properly, including maintaining your login session and security features. You cannot disable these cookies without affecting the functionality of our services.

Analytics Cookies

We use analytics tools to understand how visitors use our website and which features are most popular. This information is anonymized and helps us improve the user experience.

Cookie Management

You can manage your cookie preferences through your browser settings. However, disabling certain cookies may affect your ability to use some features of our platform.

Changes to This Privacy Policy

We review and update this privacy policy regularly to reflect changes in our services, technology, and applicable laws.

When we make significant changes, we'll notify you by email at least 30 days before the changes take effect. For minor updates, we'll post the revised policy on our website and update the "last modified" date.

Your continued use of our services after any changes indicates your acceptance of the updated privacy policy. If you don't agree with the changes, you can close your account or contact us to discuss your concerns.