Privacy Policy

Information We Collect

We collect various types of information to provide and improve our budget review services. This includes information you provide directly, data we collect automatically, and information from third-party sources when applicable.

• Account registration details including name, email address, phone number, and residential address
• Financial information necessary for budget analysis including income details, expense categories, and financial goals
• Bank account information and transaction data when you connect your accounts through secure banking APIs
• Communication records including support inquiries, feedback, and correspondence with our team
• Profile preferences, notification settings, and customization choices within our platform

• Device information including IP address, browser type, operating system, and mobile device identifiers
• Usage analytics such as pages visited, features used, time spent on platform, and interaction patterns
• Location data derived from IP address for security and service optimization purposes
• Cookies and similar tracking technologies to enhance user experience and platform functionality

How We Use Your Information

Your information helps us deliver personalized financial insights and maintain a secure platform. We process your data for legitimate business purposes and in accordance with your preferences.

Data Sharing and Third Parties

We maintain strict controls over data sharing and only work with trusted partners who meet our security standards. Your information is never sold to third parties for marketing purposes.

• Banking partners and financial institutions for secure account connectivity and transaction processing
• Cloud service providers who host our infrastructure with appropriate security certifications
• Analytics providers to understand platform usage and improve our services (anonymized data only)
• Legal and regulatory authorities when required by Australian law or court orders
• Professional advisors including auditors, lawyers, and consultants under confidentiality agreements

Your Privacy Rights

Under Australian Privacy Principles (APPs) and applicable privacy laws, you have significant control over your personal information. We've designed our platform to make exercising these rights straightforward and accessible.

You can access most of your personal information directly through your account dashboard. For comprehensive data access or corrections, contact our privacy team at info@cavaliorent.com. We'll respond within 30 days and provide information in a commonly used electronic format.

You can export your financial data and account information at any time through our platform tools. Account deletion requests are processed within 7 business days, though we may retain certain information as required by financial regulations or legitimate business needs.

You control all marketing communications through your account preferences or by using unsubscribe links in emails. Even if you opt out of marketing, we'll still send important account notifications and service updates.

Data Security and Protection

We implement comprehensive security measures to protect your financial information. Our approach combines industry-standard encryption, access controls, and regular security audits to maintain the highest protection levels.

• End-to-end encryption for all data transmission using TLS 1.3 protocols
• Advanced encryption standard (AES-256) for data storage and database protection
• Multi-factor authentication requirements for all staff accessing customer data
• Regular penetration testing and vulnerability assessments by independent security firms
• Automated monitoring systems for unusual account activity and potential security threats
• Secure data centres in Australia with 24/7 physical security and environmental controls

Data Retention and Deletion

We retain your information only as long as necessary to provide our services and meet legal obligations. Different types of data have varying retention periods based on their purpose and regulatory requirements.

International Data Transfers

Your data is primarily stored and processed within Australia. When we engage international service providers, we ensure appropriate safeguards are in place through standard contractual clauses and adequacy decisions.

Any data transfers outside Australia are conducted in accordance with the Privacy Act 1988 and include appropriate contractual protections. We regularly review our international partners to ensure ongoing compliance with Australian privacy standards.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your platform experience, remember your preferences, and analyze usage patterns. You can control cookie preferences through your browser settings or our cookie preference centre.

• Essential cookies necessary for platform functionality and security features
• Performance cookies to understand how users interact with our platform
• Functional cookies to remember your preferences and settings
• Analytics cookies to improve our services and user experience (with your consent)

Children's Privacy

Our platform is designed for adults managing their financial budgets. We don't knowingly collect personal information from individuals under 18 years of age. If we become aware of such collection, we'll delete the information promptly and may suspend the related account.

Changes to This Privacy Policy

We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. Significant changes will be communicated through email notifications and platform announcements at least 30 days before taking effect.

Continued use of our platform after policy updates constitutes acceptance of the revised terms. We encourage you to review this policy periodically to stay informed about how we protect your information.

Complaints and Dispute Resolution

If you have concerns about how we handle your personal information, we encourage you to contact us directly first. Our privacy team investigates all complaints promptly and works to resolve issues satisfactorily.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) through their website at oaic.gov.au or by calling 1300 363 992.