Information We Collect

At novarionthos, we collect information to provide better financial planning services to our Australian users. When you visit our website or use our seasonal budget adjustment tools, we gather data that helps us understand your financial needs and preferences.

We collect this information through various means including direct input from users, automatic data collection technologies, and third-party sources when you give us permission to access such information.

How We Use Your Information

Your information helps us deliver personalized financial guidance tailored to Australian economic conditions and seasonal spending patterns. We process your data to create meaningful insights about your financial habits and provide recommendations that align with your goals.

Data Sharing and Disclosure

We respect your privacy and limit data sharing to specific circumstances that benefit your experience or comply with legal requirements. We never sell your personal information to third parties for their marketing purposes.

In cases where Australian law requires disclosure, such as court orders or regulatory investigations, we may be compelled to share information. We will notify you of such requests when legally permitted to do so.

Your Rights Under Australian Privacy Law

Under the Australian Privacy Principles (APPs) and the Privacy Act 1988, you have specific rights regarding your personal information. We're committed to helping you exercise these rights in a straightforward manner.

Data Security and Protection

We implement multiple layers of security to protect your financial information. Our systems use industry-standard encryption, secure data transmission protocols, and regular security audits to maintain the highest level of protection.

While we take extensive precautions, no system is completely immune to security risks. We continuously monitor our systems and will notify users promptly if any security incidents occur that may affect their personal information.

Data Retention and Deletion

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

When you request account deletion, we begin the removal process within 30 days. Some information may be retained longer if required by law or for legitimate business purposes such as fraud prevention or resolving disputes.

International Data Transfers

As an Australian-based company, we primarily store and process data within Australia. However, some of our service providers operate internationally, which may involve transferring your information overseas.

When international transfers occur, we ensure adequate protection through approved mechanisms such as Standard Contractual Clauses or adequacy decisions. We only work with providers who demonstrate strong privacy and security commitments that meet Australian standards.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. When we make significant changes, we'll notify you through email or prominent notices on our website.

Minor updates, such as clarifications or formatting changes, may be made without individual notification. We encourage you to review this policy periodically to stay informed about how we protect your privacy.