Privacy Policy
Last updated: March 2025
At theriquandoval, we understand that your personal information matters. This policy explains how we collect, use, and protect your data when you interact with our budget prioritization services. We're committed to transparency and compliance with Australian privacy laws, including the Privacy Act 1988 and Australian Privacy Principles (APPs).
Information We Collect
When you use our services, we collect several types of information to help you manage your finances better. The data we gather falls into categories that serve specific purposes.
Personal Identification Information
This includes your name, email address, phone number, and postal address. We collect this when you create an account, contact us, or sign up for our educational materials. Your mailing address helps us understand regional financial patterns, though we never share this with third parties for marketing.
Financial Information
We collect budget details, income ranges, and spending categories that you choose to share. This information stays encrypted and helps our tools provide relevant prioritization suggestions. We don't collect bank account numbers or credit card details directly.
Technical Data
Your IP address, browser type, device information, and usage patterns help us improve our platform. We track which features you use most and where people tend to get stuck. This data is anonymized after 90 days.
How We Use Your Information
Every piece of data we collect serves a purpose. We're not in the business of hoarding information for its own sake.
- Providing personalized budget recommendations based on your financial situation and goals
- Sending educational content about financial planning and budget management techniques
- Improving our tools and services through analysis of usage patterns
- Communicating updates, changes, or important notices about your account
- Responding to your questions, support requests, and feedback
- Detecting and preventing fraudulent activity or security breaches
- Complying with legal obligations under Australian law
Important: We will never sell your personal information to third parties. That's not how we operate, and it never will be.
Data Sharing and Disclosure
We keep your information close to the chest. But there are limited circumstances where we share data with others.
Service Providers
We work with companies that help us run our platform. This includes cloud hosting providers, email service providers, and analytics tools. These partners are bound by confidentiality agreements and can only use your data to perform services for us. They can't use it for their own purposes.
Legal Requirements
If Australian law requires us to disclose information, we will. This might happen in response to court orders, legal processes, or government requests. We'll always verify the legitimacy of such requests before complying.
Business Transfers
In the event theriquandoval is acquired or merged with another company, your information would be transferred as part of that transaction. You'd be notified beforehand, and the new entity would need to honor this privacy policy.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal data. Here's what you can do and how to exercise these rights.
Access Your Data
You can request a copy of all personal information we hold about you. We'll provide this within 30 days in a readable format.
Correct Your Information
If any of your data is inaccurate or outdated, you can request corrections. Most information can be updated directly in your account settings.
Delete Your Account
You can request deletion of your account and associated data. We'll remove everything except what we're legally required to keep.
Opt Out of Communications
You can unsubscribe from marketing emails at any time. Essential service communications will continue until you close your account.
Data Portability
You can request your data in a machine-readable format to transfer to another service provider if you choose.
Lodge a Complaint
If you're unhappy with how we've handled your data, you can complain to the Office of the Australian Information Commissioner.
To exercise any of these rights, contact us at contact@theriquandoval.org with your request. We'll verify your identity and respond within the timeframes required by law.
Data Security Measures
We take security seriously because your financial information deserves protection. Here's what we do to keep your data safe.
All data transmitted to and from our servers uses TLS encryption. Your information is stored on secure servers located in Australia, with encryption at rest. We use industry-standard firewalls and intrusion detection systems to monitor for suspicious activity.
Our team receives regular security training, and access to personal data is restricted to employees who need it for their work. We conduct annual security audits and penetration testing to identify vulnerabilities.
But no system is completely impenetrable. If a data breach occurs, we'll notify affected users within 72 hours and report to the Office of the Australian Information Commissioner as required by law.
Data Retention Periods
We don't keep your information longer than necessary. Different types of data have different retention schedules.
| Data Type | Retention Period | Reason |
|---|---|---|
| Account information | Duration of account + 2 years | Legal and operational requirements |
| Financial data | 7 years after last activity | Australian tax law compliance |
| Support communications | 3 years | Quality assurance and dispute resolution |
| Marketing preferences | Until withdrawal or 5 years inactive | Consent management |
| Technical logs | 90 days | Security monitoring and troubleshooting |
When data reaches the end of its retention period, we securely delete it from our systems. Backups are overwritten within 90 days of deletion.
Cookies and Tracking Technologies
Our website uses cookies to function properly and improve your experience. Some are essential, others are optional.
Essential Cookies
These cookies keep you logged in and remember your preferences during a session. Without them, our service wouldn't work. These don't require your consent because they're necessary for the platform to function.
Analytics Cookies
We use analytics tools to understand how people use our platform. This helps us identify confusing interfaces or broken features. These cookies are anonymized and don't identify you personally.
Managing Cookies
You can control cookie settings through your browser. Blocking essential cookies will prevent you from using certain features. Most browsers let you delete cookies or be notified when they're being set.
Children's Privacy
theriquandoval is designed for adults managing their finances. We don't knowingly collect information from children under 18. If you're under 18, please don't use our services without parental supervision.
If we discover we've inadvertently collected data from someone under 18, we'll delete it immediately. Parents who believe their child has provided us with information should contact us right away.
International Data Transfers
Your data is stored on servers located in Australia and doesn't typically leave the country. However, some of our service providers have servers in other jurisdictions with strong privacy protections, including the European Union and United States.
When data is transferred internationally, we ensure appropriate safeguards are in place through standard contractual clauses or Privacy Shield frameworks. You can request more information about specific transfers by contacting us.
Changes to This Policy
Privacy practices evolve, and so will this policy. When we make significant changes, we'll notify you by email at least 30 days before they take effect. Minor updates might only be posted on this page with an updated date.
Continuing to use our services after changes take effect means you accept the updated policy. If you disagree with changes, you can close your account before they become effective.
Third-Party Links
Our platform might contain links to external websites or services. We're not responsible for the privacy practices of these third parties. Before providing personal information to any external site, read their privacy policy.
Educational content on our platform sometimes references external resources. These links are provided for convenience and don't constitute endorsement of their privacy practices.
Contact Us About Privacy
If you have questions about this privacy policy or how we handle your data, reach out to us:
Email: contact@theriquandoval.org
Phone: +61 3 9462 2888
Mail: 58 McMinn St, Darwin City NT 0801, Australia
We aim to respond to all privacy inquiries within 5 business days. For complaints, we'll provide a full response within 30 days as required by Australian privacy law.