Privacy Policy

Your privacy matters to us. This comprehensive policy explains how jorinthavex collects, uses, protects, and manages your personal information when you use our budget optimization services.

Last Updated: January 15, 2025 | Next Review: July 2025

Information We Collect

At jorinthavex, we collect several types of information to provide you with personalized budget optimization services. Understanding what information we gather helps you make informed decisions about sharing your data with us.

Personal Information You Provide

When you create an account or use our services, you may provide us with personal information including:

Full name, email address, and contact information
Financial information such as income ranges, expense categories, and budget preferences
Banking connection details through secure third-party integrations
Profile preferences and personalization settings
Communication preferences and notification settings

Automatically Collected Information

We automatically collect certain information when you interact with our platform:

Device information including IP address, browser type, and operating system
Usage patterns and feature interaction data
Location data based on IP address for regional service optimization
Performance metrics and error logs for service improvement
Cookie data and similar tracking technologies

Data Minimization Principle

We only collect information that's necessary for providing our budget optimization services. We don't gather excessive personal data, and we regularly review our collection practices to ensure they align with our service offerings and your expectations.

How We Use Your Information

Your information enables us to deliver personalized budget optimization services and improve your financial management experience. Here's how we use the data we collect:

Service Delivery: We use your financial information to create personalized budget recommendations, track spending patterns, and provide tailored financial insights that help you optimize your budget effectively.
Account Management: Your contact information helps us maintain your account, process transactions, send important service notifications, and provide customer support when you need assistance.
Security and Fraud Prevention: We analyze usage patterns and device information to detect suspicious activities, prevent unauthorized access, and protect your account from potential security threats.
Service Improvement: Aggregated and anonymized data helps us understand user behavior, identify popular features, and develop new tools that better serve our community's financial management needs.
Communication: We use your contact preferences to send relevant updates about your account, new features, educational content, and important policy changes that may affect your use of our services.

Marketing and Promotional Activities

With your explicit consent, we may use your information to send you promotional materials about new features, educational resources, or services that align with your financial goals. You can opt out of these communications at any time through your account settings or by clicking unsubscribe links in our emails.

Information Sharing and Disclosure

We take your privacy seriously and don't sell your personal information to third parties. However, we may share your information in specific circumstances that enhance your service experience or fulfill legal obligations:

Sharing Scenario	Information Shared	Purpose
Service Providers	Necessary operational data	Payment processing, data analytics, customer support
Financial Institutions	Account linking information	Secure bank account integration and transaction analysis
Legal Requirements	Relevant personal data as required	Compliance with legal obligations and court orders
Business Transfers	All user data with safeguards	Mergers, acquisitions, or asset sales with privacy protection

Third-Party Service Providers

We work with trusted third-party providers who help us deliver our services. These partners are contractually bound to protect your information and can only use it for specific purposes we authorize. We regularly audit these relationships to ensure your data remains secure.

Data Security and Protection

Protecting your financial information is our top priority. We implement multiple layers of security measures to safeguard your data against unauthorized access, disclosure, or misuse:

Encryption: All sensitive data is encrypted both in transit and at rest using industry-standard AES-256 encryption protocols
Access Controls: We maintain strict access controls ensuring only authorized personnel can access your information on a need-to-know basis
Regular Security Audits: Our systems undergo regular security assessments and vulnerability testing by independent security firms
Secure Infrastructure: We use enterprise-grade hosting providers with robust physical and digital security measures
Employee Training: Our team receives regular privacy and security training to maintain awareness of best practices and emerging threats
Incident Response: We maintain a comprehensive incident response plan to quickly address any potential security issues

Your Role in Data Security

While we implement strong security measures, your cooperation helps maintain account security. We recommend using strong, unique passwords, enabling two-factor authentication when available, and promptly reporting any suspicious account activity to our support team.

Your Privacy Rights and Choices

You have important rights regarding your personal information. We're committed to helping you exercise these rights and maintain control over your data:

Access Rights: You can request a copy of all personal information we hold about you. We'll provide this information in a readable format within 30 days of your request.
Correction Rights: If you believe any information we hold is inaccurate or incomplete, you can request corrections through your account settings or by contacting our support team.
Deletion Rights: You can request deletion of your personal information, subject to certain legal and operational requirements. Account deletion is permanent and cannot be reversed.
Portability Rights: You can request your data in a structured, machine-readable format for transfer to another service provider.
Communication Preferences: You can modify your communication preferences at any time, including opting out of promotional emails while continuing to receive essential service notifications.
Processing Restrictions: You can request limitations on how we process your information in certain circumstances, such as during account disputes or verification processes.

Exercising Your Rights

To exercise any of these rights, contact us using the information provided at the end of this policy. We may need to verify your identity before processing certain requests to protect your privacy and prevent unauthorized access to your information.

Data Retention and Deletion

We retain your information only as long as necessary to provide our services and fulfill legal obligations. Our retention practices balance your privacy rights with operational needs and regulatory requirements:

Active Account Data

While your account remains active, we retain your information to provide continuous service, maintain your preferences, and protect against fraud. This includes your profile information, financial data, and usage history necessary for budget optimization services.

Inactive Account Handling

If you don't access your account for 24 months, we'll send notifications to your registered email address. After 36 months of inactivity, we may delete your account and associated data, except for information required for legal compliance or dispute resolution.

Legal Retention Requirements

Some information may be retained longer to comply with Australian financial regulations, tax requirements, or to resolve disputes. This typically includes transaction records, account statements, and communications related to service issues, which we may retain for up to seven years as required by law.

Secure Deletion Process

When we delete your information, we use secure deletion methods that make data unrecoverable. This includes overwriting data storage locations and ensuring backups are also purged according to our data lifecycle management policies.

International Data Transfers

While jorinthavex primarily operates within Australia, some of our service providers and partners may be located internationally. When we transfer your information outside Australia, we implement appropriate safeguards to protect your privacy:

We only work with providers in countries with adequate privacy protections or under specific contractual safeguards
All international transfers are secured using standard contractual clauses approved by Australian privacy regulators
We maintain oversight of international partners to ensure they meet our privacy and security standards
Sensitive financial data is processed within Australia whenever possible, with international transfers limited to operational necessities

If you have concerns about international data transfers, please contact us to discuss how your specific information is handled and what protections apply to your data.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These technologies help us remember your preferences, analyze site usage, and provide personalized services:

Cookie Type	Purpose	Duration
Essential Cookies	Core functionality and security	Session or up to 1 year
Preference Cookies	Remember your settings and choices	Up to 2 years
Analytics Cookies	Understand site usage and performance	Up to 2 years
Marketing Cookies	Personalized content and advertising	Up to 1 year

You can control cookie settings through your browser preferences or our cookie management tools. Note that disabling certain cookies may affect some functionality of our services.

Children's Privacy

jorinthavex's budget optimization services are designed for adults who can enter into financial agreements. We don't knowingly collect personal information from individuals under 18 years of age without proper parental consent.

If we discover that we've inadvertently collected information from someone under 18, we'll delete that information promptly. Parents or guardians who believe their child has provided us with personal information should contact us immediately using the details provided below.

For users between 16-18 years old in Australia, we may provide limited educational financial content with appropriate parental consent and supervision, but full account features require users to be at least 18 years old.

Policy Changes and Updates

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. When we make significant changes, we'll notify you through:

Email notifications to your registered address for material changes
Prominent notices on our website and platform
In-app notifications for changes affecting core functionality
Updated version dates and change summaries in the policy

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

Significant Changes

For major policy changes that substantially affect how we collect, use, or share your information, we'll provide at least 30 days' notice and may require explicit consent before implementing changes that expand our use of your personal data.

Contact Us About Privacy

If you have questions about this privacy policy, want to exercise your privacy rights, or need assistance with your personal information, please contact us:

Privacy Officer
jorinthavex Budget Optimization Services

Address:
6 Meredith Cres, South Launceston TAS 7249, Australia

Phone: +61755623444

Email: info@jorinthavex.com

Privacy Inquiries: privacy@jorinthavex.com

We aim to respond to all privacy inquiries within 5 business days. For urgent privacy concerns, please call our support line and mention it's a privacy-related matter.