Privacy Policy

seranoviluthe operates as a financial forecasting and budgeting platform, helping individuals and businesses make informed financial decisions. We're based in Australia and committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and Australian Privacy Principles.

When we say "we," "us," or "our," we're referring to seranoviluthe, the company behind seranoviluthe.com. This policy explains how we collect, use, store, and protect your personal information when you interact with our platform, services, or website.

If you have questions about this privacy policy or want to exercise your rights regarding your personal data, you can reach us at info@seranoviluthe.com or write to us at 10A Albuera St, Battery Point TAS 7004, Australia.

We collect different types of information depending on how you interact with our platform. Here's what we typically gather:

• Account Information: Name, email address, phone number, and password when you create an account
• Financial Data: Budget information, expense categories, and financial goals you input into our platform
• Usage Information: How you navigate our platform, which features you use, and when you access our services
• Device Information: Your IP address, browser type, operating system, and device identifiers
• Communication Records: Messages you send us through customer support or feedback forms

We don't collect sensitive information like credit card details directly - all payment processing happens through secure third-party providers who maintain their own privacy standards.

Your information helps us provide better financial planning services. Here's specifically how we use what you share with us:

We don't use your personal financial information for advertising purposes. Your budget data stays within our platform to help you with your financial planning - we won't share it with marketers or data brokers.

Sometimes we might contact you about platform updates or new features, but you can opt out of these communications at any time through your account settings or by replying to our emails.

We're pretty selective about who we work with, and we never sell your personal information. Here's when we might share your data:

• Service Providers: Companies that help us run our platform (cloud hosting, payment processing, customer support tools)
• Legal Requirements: When Australian law requires us to share information with government agencies or courts
• Business Transfers: If seranoviluthe merges with another company or sells assets, your information might transfer as part of that process
• Safety Situations: To protect against fraud, security threats, or other harmful activities

Any third parties we work with must agree to protect your information according to standards similar to ours. We require them to use your data only for the specific services they're providing to us.

We don't share your detailed financial information (like specific budget amounts or spending patterns) with third parties for their own business purposes. That information stays with us to provide you with better forecasting and budgeting tools.

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do:

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to fix any incorrect or outdated information
• Deletion: Request that we delete your account and associated data
• Restriction: Limit how we process certain types of your information
• Portability: Get your data in a format you can transfer to another service

To exercise these rights, email us at info@seranoviluthe.com with your request. We'll typically respond within 30 days and might need to verify your identity first.

If you're not satisfied with how we handle your privacy concerns, you can file a complaint with the Office of the Australian Information Commissioner (OAIC). We'd prefer to resolve any issues directly with you first, though.

We take data security seriously, especially given that we handle financial information. Our security measures include:

• Encryption of data both in transit and at rest
• Regular security audits and vulnerability assessments
• Restricted access to personal information on a need-to-know basis
• Secure cloud infrastructure with reputable providers
• Multi-factor authentication for admin access

Your data is primarily stored in Australia, though some of our service providers might process information in other countries with adequate privacy protections. When data goes offshore, we ensure it receives the same level of protection as required under Australian law.

We keep your information for as long as your account is active, plus a reasonable period afterward for legal and business purposes. Financial records are typically retained for seven years to comply with Australian business record requirements.

Like most websites, we use cookies and similar technologies to improve your experience on our platform. Here's what we use:

• Essential Cookies: Required for basic platform functionality and security
• Preference Cookies: Remember your settings and customizations
• Analytics Cookies: Help us understand how people use our platform

You can control cookie settings through your browser, though disabling certain cookies might limit some platform features. We don't use third-party advertising cookies or tracking pixels for marketing purposes.

Our analytics are focused on understanding user behavior to improve our budgeting tools, not for building advertising profiles. We use aggregated, anonymized data for these insights.

Our platform isn't designed for children under 18, and we don't knowingly collect personal information from minors. If you're under 18, please don't create an account or provide personal information to us.

If we discover that we've collected information from someone under 18, we'll delete it promptly. Parents or guardians who believe their child has provided us with personal information can contact us to have that information removed.

For educational use in schools or families, we recommend that parents or teachers create accounts on behalf of younger users and supervise their use of financial planning tools.

We update this privacy policy occasionally to reflect changes in our practices, legal requirements, or platform features. When we make significant changes, we'll notify you through email or a prominent notice on our platform.

Minor updates (like clarifying existing practices or fixing typos) might not trigger notifications, but we'll always update the "last modified" date at the top of this policy.

We encourage you to review this policy periodically, especially if you're a regular user of our platform. Continued use of our services after policy updates means you accept the revised terms.