Privacy Policy
Your privacy matters to us at cendravique
About This Policy
At cendravique, we're committed to protecting your personal information and respecting your privacy rights. This policy explains how we collect, use, store, and protect your information when you use our budget essentials platform and services. We operate under Australian Privacy Principles and comply with the Privacy Act 1988 (Cth) and other applicable privacy laws.
This policy applies to all personal information we collect through our website at cendravique.com, mobile applications, and any related services we provide. By using our services, you acknowledge that you have read and understood this privacy policy.
Information We Collect
We collect various types of information to provide and improve our budget management services. The information we gather helps us understand your financial needs and deliver personalized budgeting solutions.
Personal Information
This includes your name, email address, phone number, postal address, date of birth, and other identifying information you provide when creating an account or contacting us. We also collect employment information, income details, and financial goals when you set up your budget profiles.
Financial Information
We collect information about your financial accounts, transaction history, spending patterns, and budget preferences when you connect your accounts to our platform. This information is encrypted and stored securely to provide you with accurate budget tracking and financial insights.
Usage and Technical Information
We automatically collect information about how you use our platform, including your IP address, browser type, device information, operating system, pages visited, time spent on our site, and other usage statistics. This helps us improve our services and user experience.
How We Use Your Information
We use your personal information for specific purposes that directly relate to providing our budget management services and improving your financial wellness experience.
- Providing personalized budget recommendations and financial insights based on your spending patterns and goals
- Processing your account registrations, managing your profile, and maintaining your budget tracking preferences
- Sending you important account notifications, budget alerts, and service updates via email or SMS
- Analyzing usage trends to improve our platform features and develop new budgeting tools
- Providing customer support and responding to your inquiries about our services
- Complying with legal obligations and preventing fraudulent activities on our platform
Marketing Communications
We may send you promotional materials about new features, budgeting tips, and relevant financial education content. You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or updating your preferences in your account settings.
Information Sharing and Disclosure
We do not sell your personal information to third parties. We only share your information in specific circumstances that are necessary for our service provision or required by law.
- With trusted service providers who assist us in operating our platform, such as cloud hosting providers, payment processors, and customer support tools
- With financial institutions when you authorize us to connect to your accounts for budget tracking purposes
- When required by Australian law, court orders, or government regulations
- To protect our rights, prevent fraud, or ensure the safety of our users
- In the event of a business transfer, merger, or acquisition, subject to confidentiality agreements
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. We're committed to helping you exercise these rights and maintaining transparency about our data practices.
Access Your Data
You can request a copy of the personal information we hold about you at any time.
Correct Information
You can update or correct inaccurate personal information through your account settings.
Delete Your Account
You can request deletion of your account and associated personal information.
Restrict Processing
You can limit how we use certain types of your personal information.
To exercise any of these rights, please contact us using the information provided at the bottom of this policy. We will respond to your request within 30 days and may require verification of your identity before processing your request.
Data Security and Protection
We implement comprehensive security measures to protect your personal and financial information from unauthorized access, use, or disclosure. Our security practices include industry-standard encryption, secure data transmission protocols, and regular security audits.
Security Measures
We use bank-level encryption (AES-256) to protect your data both in transit and at rest. Our servers are hosted in secure Australian data centers with 24/7 monitoring, multi-factor authentication, and regular penetration testing to ensure the highest level of security for your information.
Data Retention
We retain your personal information only as long as necessary to provide our services and comply with legal requirements. Different types of information have different retention periods based on their purpose and legal requirements.
Personal details, contact information, and account preferences are retained to comply with Australian financial record-keeping requirements.
Transaction history and budget data are maintained for regulatory compliance and to provide historical financial insights.
Website usage data and technical information are kept for platform improvement and security purposes.
Communication preferences and marketing interactions are maintained until you unsubscribe from our communications.
International Data Transfers
Your personal information is primarily stored and processed within Australia. However, some of our trusted service providers may process data in other countries with adequate privacy protections. When we transfer data internationally, we ensure appropriate safeguards are in place through contractual agreements and compliance with Australian privacy laws.
Cookies and Tracking
We use cookies and similar tracking technologies to enhance your experience on our platform, remember your preferences, and analyze usage patterns. You can manage your cookie preferences through your browser settings, though disabling certain cookies may affect platform functionality.
- Essential cookies that are necessary for website functionality and security
- Performance cookies that help us understand how you use our platform
- Functional cookies that remember your preferences and settings
- Analytics cookies that provide insights into user behavior and platform performance
Updates to This Policy
We may update this privacy policy from time to time to reflect changes in our practices, services, or legal requirements. We will notify you of any material changes by posting the updated policy on our website and sending you an email notification. Your continued use of our services after any changes constitutes acceptance of the updated policy.
We recommend reviewing this policy periodically to stay informed about how we protect your privacy and handle your personal information.
Privacy Questions or Concerns?
Contact our Privacy Officer:
cendravique Privacy Team
24 Moxey St, Marsden QLD 4132, Australia
Phone: +61 2 6021 0111
Email: privacy@cendravique.com
If you're not satisfied with our response to your privacy concerns, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by calling 1300 363 992.