Privacy Policy

At vivaveroiq, we understand that managing your annual budget requires trust, transparency, and security. This privacy policy explains how we collect, use, store, and protect your personal information when you use our budgeting platform and services. We're committed to safeguarding your financial data and personal details in accordance with Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs).

Information We Collect

Personal Information

When you create an account with vivaveroiq or use our services, we collect various types of personal information to provide you with personalized budgeting assistance:

• Contact details including your name, email address, phone number, and postal address
• Account credentials such as username, password, and security questions
• Financial information including income details, expense categories, and budget preferences
• Banking information when you choose to connect accounts (handled through secure third-party providers)
• Demographic information like age range and household composition for better budgeting recommendations
• Communication preferences and notification settings

Technical Information

Our platform automatically collects technical data to improve your experience and maintain security:

Data Type	Purpose	Retention Period
IP Address & Device Info	Security monitoring and geographic customization	12 months
Browser & Operating System	Platform optimization and compatibility	6 months
Usage Analytics	Feature improvement and user experience enhancement	24 months
Session Data	Account security and fraud prevention	3 months

How We Use Your Information

vivaveroiq uses your personal information for several specific purposes, all designed to help you achieve better financial management. We never sell your personal data to third parties, and we only use it in ways that directly benefit your budgeting experience.

1. Budget Creation and Management: We analyze your income and expenses to create personalized annual budgets, suggest spending categories, and provide financial insights tailored to your situation.
2. Account Administration: Managing your user account, processing payments for premium features, and providing customer support when you need assistance.
3. Communication: Sending you important account updates, budget alerts, monthly financial summaries, and educational content about personal finance management.
4. Security and Fraud Prevention: Protecting your account from unauthorized access, monitoring for suspicious activity, and maintaining the integrity of our platform.
5. Service Improvement: Analyzing user patterns to enhance our budgeting tools, develop new features, and optimize the overall user experience.

Data Sharing and Disclosure

Third-Party Service Providers

vivaveroiq works with carefully selected third-party providers to deliver our services effectively. These partnerships are governed by strict data protection agreements:

• Cloud hosting providers for secure data storage and platform reliability
• Payment processors for handling subscription fees and premium feature purchases
• Email service providers for sending account notifications and educational content
• Analytics services to understand user behavior and improve our platform (all data is anonymized)
• Customer support tools to help us respond to your inquiries efficiently

Legal Requirements

We may disclose your personal information when required by Australian law or when we believe in good faith that such disclosure is necessary to comply with legal processes, protect our rights, or ensure user safety. This includes cooperation with law enforcement agencies, regulatory bodies, or court orders.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information. We've made it easy for you to exercise these rights through your account settings or by contacting our privacy team directly.

Access and Portability

You can access most of your personal information through your vivaveroiq dashboard at any time. For a complete copy of all data we hold about you, submit a request through your account settings. We'll provide this information in a commonly used electronic format within 30 days.

Correction and Updates

Keep your information accurate by updating it directly in your account settings. If you notice any errors in data we've collected automatically, please contact us immediately so we can correct it. Accurate information helps us provide better budgeting recommendations.

Deletion Rights

You can delete your vivaveroiq account and associated data at any time. When you delete your account, we remove your personal information within 60 days, though we may retain anonymized usage statistics for service improvement. Some information may be retained longer if required by law or for legitimate business purposes.

Data Security

Protecting your financial information is our highest priority. vivaveroiq employs multiple layers of security to safeguard your data against unauthorized access, disclosure, or misuse. Our security measures include both technical safeguards and administrative procedures.

• End-to-end encryption for all financial data transmission and storage
• Multi-factor authentication available for all user accounts
• Regular security audits and penetration testing by independent firms
• Secure data centers with 24/7 monitoring and access controls
• Employee background checks and ongoing security training
• Incident response procedures for rapid breach detection and mitigation

While we implement strong security measures, we also encourage users to protect their accounts by using unique passwords, enabling two-factor authentication, and never sharing login credentials with others.

International Data Transfers

vivaveroiq primarily stores and processes data within Australia using local data centers. However, some of our service providers may process data internationally. When this occurs, we ensure appropriate safeguards are in place, including:

• Contracts requiring equivalent privacy protection standards
• Transfer only to countries with adequate privacy laws
• Additional encryption for data processed outside Australia
• Regular audits of international service providers

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized content. You can control cookie settings through your browser preferences, though some features may not function properly with cookies disabled.

Types of Cookies We Use

• Essential cookies for basic website functionality and security
• Preference cookies to remember your settings and customizations
• Analytics cookies to understand how users interact with our platform
• Functional cookies to enable enhanced features and personalization

Updates to This Policy

We review and update this privacy policy regularly to reflect changes in our practices, legal requirements, or service offerings. When significant changes are made, we'll notify you through email or prominent notices on our website at least 30 days before the changes take effect.

Minor updates that don't affect how we handle your personal information may be made without notice. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

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). Visit their website at oaic.gov.au for more information about the complaint process.