Privacy Policy

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

Last Updated: January 15, 2025 | Effective Date: February 1, 2025

1 Information We Collect

When you use grivanoeonix's budget cutting strategies and financial planning services, we collect various types of information to provide you with personalised advice and support. This information helps us understand your financial situation and tailor our recommendations accordingly.

Personal Information

Full name, email address, phone number, and postal address
Date of birth and employment status for financial assessment purposes
Financial information including income, expenses, debts, and savings goals
Banking details when required for direct consultation services

Usage Data

Website interaction patterns and pages visited
Time spent on different budget planning tools
Device information including browser type and operating system
IP addresses and approximate location for service improvement

2 How We Use Your Information

Your information enables us to deliver effective budget management solutions and improve our services continuously. We're committed to using your data responsibly and only for purposes that benefit your financial planning journey.

Purpose	Information Used	Legal Basis (Australia)
Personalised budget advice	Financial data, income, expenses	Legitimate interest
Service communication	Contact details, preferences	Contract performance
Website improvement	Usage data, feedback	Legitimate interest
Compliance obligations	All relevant data	Legal obligation

We never sell your personal information to third parties or use it for purposes unrelated to your financial planning needs.

3 Data Storage and Security

We implement robust security measures to protect your financial information. All data is encrypted both in transit and at rest, using industry-standard security protocols that meet Australian Privacy Principles requirements.

Security Measures

256-bit SSL encryption for all data transmission
Secure servers located in Australia with regular security audits
Multi-factor authentication for staff accessing client data
Regular security training for all team members
Automated daily backups with secure off-site storage

Data Retention

We retain your personal information for as long as necessary to provide our services and meet legal requirements. Financial consultation records are kept for seven years as required by Australian tax law, while general account information is retained for three years after account closure.

4 Your Privacy Rights

Under Australian privacy laws, you have several important rights regarding your personal information. We're committed to helping you exercise these rights easily and promptly.

Access Your Data

Request a copy of all personal information we hold about you, including financial records and usage data.

Correct Information

Update or correct any inaccurate personal or financial information in your account at any time.

Delete Your Data

Request deletion of your personal information, subject to legal retention requirements for financial records.

Restrict Processing

Limit how we use your information while maintaining essential service functionality.

Data Portability

Receive your financial data in a structured format for transfer to another service provider.

Object to Processing

Opt out of certain data processing activities, particularly for marketing communications.

5 Third-Party Sharing

We carefully limit sharing of your information with third parties and only do so when necessary for service delivery or legal compliance. Any partners we work with must meet our strict privacy and security standards.

Service Providers

We may share limited information with trusted Australian service providers who help us deliver our budget planning services. This includes cloud hosting providers, payment processors, and customer support tools. All providers sign comprehensive data protection agreements.

Legal Requirements

We may disclose your information if required by Australian law, court order, or to protect our legal rights. This includes compliance with Australian Taxation Office requirements and anti-money laundering regulations where applicable.

We will never share your financial information for marketing purposes or sell your data to data brokers.

6 Cookies and Tracking

Our website uses cookies and similar technologies to improve your experience and understand how you interact with our budget planning tools. You can control cookie settings through your browser preferences.

Types of Cookies We Use

Essential Cookies: Required for website functionality and security
Analytics Cookies: Help us understand user behaviour and improve our services
Preference Cookies: Remember your settings and customisation choices
Marketing Cookies: Used for relevant advertising (with your consent)

7 Policy Updates

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. Significant changes will be communicated to you via email at least 30 days before taking effect.

Minor updates that don't affect your rights or how we handle your information will be posted on this page with an updated "Last Modified" date. We encourage you to review this policy regularly to stay informed about how we protect your privacy.

Notification Methods

Email notification for significant policy changes
Website banner for important updates
In-app notifications for active users
Updated version always available on our website

Privacy Questions or Concerns?

If you have questions about this privacy policy, want to exercise your privacy rights, or have concerns about how we handle your information, please don't hesitate to contact us.

Privacy Officer: grivanoeonix Privacy Team

Email: info@grivanoeonix.com

Phone: +61451121301

Address: 104 Boronia St, North Albury NSW 2640, Australia

Response Time: Within 5 business days