Privacy Policy

We collect information that helps us provide better budgeting tools and support for Australian families. The data we gather falls into several categories.

Account Information

When you sign up for nivolantore, we ask for basic details like your name, email address, and phone number. We need this to create your account and keep you updated about your budgeting activity.

Financial Data

To help you budget effectively, we collect information about your income, expenses, and financial goals. This includes transaction categories you create, spending limits you set, and savings targets you establish. We don't store your bank account passwords or full credit card numbers.

Usage Information

We track how you interact with our platform. This includes which features you use most often, how long you spend on different pages, and what device you're using. This helps us understand what's working and what needs improvement.

Communication Data

When you reach out to our support team or participate in surveys, we keep records of those conversations. This helps us provide better assistance and improve our services based on actual feedback.

The data we collect serves specific purposes related to operating and improving nivolantore's budgeting services.

• Providing and maintaining your budgeting tools and account functionality
• Sending you notifications about budget alerts, spending patterns, and account activity
• Analyzing trends to improve our platform and develop new features
• Responding to your questions and providing technical support
• Detecting and preventing fraudulent activity or unauthorized access
• Complying with legal obligations under Australian financial regulations
• Sending occasional updates about features that might benefit your budgeting approach

Your information is stored on secure servers located in Australia. We use industry-standard encryption methods to protect data both in transit and at rest.

Security Measures

We implement multiple layers of security. This includes encrypted connections, regular security audits, access controls that limit who can view your data, and monitoring systems that watch for suspicious activity.

All nivolantore staff with access to user data sign confidentiality agreements. We limit data access to employees who genuinely need it to perform their jobs.

Data Retention

We keep your account information for as long as your account remains active. Financial data is retained for seven years after account closure to comply with Australian tax and financial record-keeping requirements.

Usage logs and analytics data are typically kept for two years, then aggregated and anonymized for long-term trend analysis.

We share your data only in specific circumstances, and we're transparent about when and why this happens.

Who We Share With	What We Share	Why We Share It
Cloud Service Providers	Account and usage data	To host our platform and ensure reliable service
Payment Processors	Billing information	To process subscription payments securely
Analytics Partners	Anonymized usage patterns	To understand platform performance and user needs
Legal Authorities	As legally required	To comply with court orders or regulatory requests

All third-party service providers we work with are required to protect your data according to Australian privacy standards. They can only use your information to provide services on our behalf.

Under Australian privacy law, you have several rights regarding your personal information. We make it straightforward to exercise these rights.

Access Your Data

You can request a copy of all personal information we hold about you. We'll provide this in a commonly used electronic format within 30 days of your request.

Correct Your Information

If any of your personal details are inaccurate or outdated, you can update them directly in your account settings or request corrections through our support team.

Delete Your Account

You can request account deletion at any time. We'll remove your personal information within 30 days, though some data may be retained in anonymized form for statistical purposes or kept longer to meet legal requirements.

Restrict Processing

You can ask us to limit how we use your data while we investigate a complaint or verify information accuracy.

Withdraw Consent

For any data processing based on your consent, you can withdraw that consent whenever you choose. This won't affect any processing that occurred before your withdrawal.

nivolantore uses cookies and similar technologies to make our platform work properly and improve your experience.

Essential Cookies

These are necessary for basic platform functions like keeping you logged in and remembering your preferences. You can't opt out of these without affecting how the platform works.

Analytics Cookies

We use these to understand how people use nivolantore. They tell us which features are popular, where people get stuck, and how we can make things better. You can disable these in your account settings.

Managing Cookies

Most browsers let you control cookies through their settings. Keep in mind that blocking certain cookies might limit platform functionality.

nivolantore is designed for adults managing family budgets. We don't knowingly collect information from children under 18 without parental consent.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We'll delete that information from our systems.

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and display a prominent notice on the platform.

The "Last Updated" date at the top of this page shows when the most recent changes were made. We encourage you to review this policy periodically to stay informed about how we protect your information.

Continuing to use nivolantore after policy changes means you accept the updated terms. If you don't agree with the changes, you can close your account.

If you have concerns about how we handle your personal information, we want to hear about it. Contact our privacy team first, and we'll work to resolve the issue.

If you're not satisfied with our response, you have the right to file a complaint with the Office of the Australian Information Commissioner (OAIC). They can be reached at oaic.gov.au or by calling 1300 363 992.