Privacy Policy
Last Updated: February 2025
At rivanoqeltra, we understand that your financial data is personal. This policy explains what information we collect, why we need it, and how we protect it. We've written this in straightforward language because privacy shouldn't require a law degree to understand.
Information We Collect
Running a finance control platform means we handle different types of information. Some you give us directly, some we collect as you use our services, and some comes from external sources when you connect third-party accounts.
Personal Information You Provide
When you create an account with rivanoqeltra, we collect basic details like your name, email address, and phone number. If you're using our business features, we might also need your ABN or company details. This helps us verify your identity and comply with Australian financial regulations.
- Full name and contact details (email, phone number, postal address)
- Date of birth and identification documents when required for verification
- Business information including ABN and company registration details
- Payment information for subscription services
- Financial goals and preferences you choose to share
Financial Data
The core of what we do involves your financial information. When you connect bank accounts or input transactions manually, we collect that data to provide insights and help you manage your finances. This includes transaction histories, account balances, spending patterns, and budget information.
We never sell your financial data to third parties. Your transaction history and spending patterns remain confidential and are only used to provide you with the service you signed up for.
Usage Information
Like most online services, we collect information about how you interact with our platform. This includes which features you use most, how long you spend in different sections, and what devices you're accessing rivanoqeltra from. It helps us improve the user experience and identify technical issues.
How We Use Your Information
We're not in the business of collecting data for the sake of it. Everything we gather serves a specific purpose related to providing and improving our finance control services.
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Providing finance tracking and analysis | Financial transactions, account balances, spending categories | Contract performance |
| Account security and fraud prevention | Login information, device data, IP addresses | Legitimate interest |
| Customer support | Contact details, support tickets, communication history | Contract performance |
| Improving our services | Usage patterns, feature engagement, feedback | Legitimate interest |
| Regulatory compliance | Identity verification, transaction records | Legal obligation |
We process your information in accordance with the Australian Privacy Principles (APPs) outlined in the Privacy Act 1988. When we need to use your data for purposes beyond our initial agreement, we'll ask for your explicit consent first.
Data Sharing and Third Parties
We keep data sharing to a minimum. But running a modern financial platform means working with certain partners. Here's who might see your information and why.
Service Providers
We work with companies that help us deliver our service — cloud hosting providers, payment processors, and customer support tools. These partners only access data necessary for their specific function, and they're contractually obligated to protect your information.
Banking Connections
When you connect external bank accounts, we use secure banking APIs to retrieve your financial data. We partner with regulated financial data providers who maintain bank-level encryption. Your banking credentials are never stored on our servers.
Legal Requirements
Sometimes the law requires us to share information. This might happen in response to court orders, government investigations, or regulatory requests. We'll notify you about such requests unless legally prohibited from doing so.
- Cloud infrastructure providers for secure data storage
- Payment processors for handling subscription payments
- Financial data aggregators for bank account connections
- Email service providers for account notifications
- Analytics tools that help us understand usage patterns (anonymized data only)
Your Rights Under Australian Law
The Privacy Act gives you specific rights regarding your personal information. We've built tools into our platform to make exercising these rights straightforward.
Access Your Data
You can download a complete copy of your personal and financial data at any time through your account settings. This includes all transactions, preferences, and account history.
Correct Information
Found something wrong? You can update most personal details directly in your account. For changes requiring verification, contact our support team and we'll sort it out within 30 days.
Delete Your Account
Want to leave? You can delete your account and associated data at any time. We'll retain minimal information for legal compliance (like tax records), but everything else gets permanently removed within 90 days.
Restrict Processing
You can ask us to stop processing certain types of data while maintaining your account. This might affect some features, but we'll work with you to find a balance that works.
Data Portability
Your data belongs to you. Export it in common formats (CSV, JSON) to use with other financial tools. No lock-in, no hassle.
Lodge a Complaint
If you're unhappy with how we've handled your information, you can complain to the Office of the Australian Information Commissioner (OAIC). We'd prefer to resolve issues directly first, though.
Security Measures
Financial data requires serious protection. We've implemented multiple layers of security to keep your information safe from unauthorized access, disclosure, or loss.
Technical Safeguards
All data transmitted to and from rivanoqeltra is encrypted using TLS 1.3. Stored data is encrypted at rest using AES-256 encryption. We use separate encryption keys for different data types, stored in secure hardware modules.
- End-to-end encryption for all financial data transmission
- Multi-factor authentication required for account access
- Regular security audits and penetration testing
- Automated threat detection and monitoring systems
- Secure coding practices and regular vulnerability assessments
Organizational Security
Only employees who need access to perform their jobs can view personal data. All staff undergo security training and background checks. We maintain detailed access logs and regularly review who has accessed what information.
In the unlikely event of a data breach affecting your personal information, we'll notify you within 72 hours and provide clear information about what happened and what steps we're taking.
Data Retention
We don't keep your data forever. Different types of information have different retention periods based on legal requirements and business needs.
Account information and financial data are retained while your account is active plus seven years after closure. This meets Australian tax law requirements. Marketing preferences and usage analytics are kept for three years. Support tickets and communications are retained for five years to help resolve potential disputes.
When retention periods expire, data is permanently deleted from our systems, including backups. You can request early deletion of non-essential data at any time.
International Data Transfers
Your data is primarily stored on Australian servers. However, some of our service providers operate globally, which means your information might be processed in other countries with different privacy laws.
When we transfer data internationally, we ensure adequate protections are in place through standard contractual clauses and by working only with providers who maintain strong privacy standards. You can request details about where your data is processed at any time.
Cookies and Tracking
We use cookies and similar technologies to keep you logged in, remember your preferences, and understand how people use our platform. Essential cookies are necessary for the service to function. Analytics cookies help us improve the user experience. You can control non-essential cookies through your browser settings.
We don't use advertising cookies or sell your data to advertisers. The tracking we do is limited to improving our own service.
Children's Privacy
rivanoqeltra is not intended for anyone under 18. We don't knowingly collect information from children. If we discover we've accidentally collected data from someone underage, we'll delete it immediately. Parents who believe their child has provided us with information should contact us right away.
Changes to This Policy
We review and update this privacy policy periodically 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 in your account dashboard.
The "Last Updated" date at the top of this policy shows when it was most recently revised. Continuing to use rivanoqeltra after changes take effect means you accept the updated policy.
Questions or Concerns?
If something in this policy isn't clear, or if you have questions about how we handle your information, we're here to help.
For formal privacy complaints or to exercise your rights under Australian privacy law, please address correspondence to our Privacy Officer at the above address. We'll respond to all requests within 30 days.