Personal Information You Provide

This includes information you directly share with us when creating an account or using our services. We collect your name, email address, phone number, and postal address for account management and communication purposes.

• Account registration details including full name and contact information
• Financial institution account information you choose to connect
• Budget preferences and financial goals you set within the platform
• Support communications and feedback you send us

Automatically Collected Information

Our platform automatically gathers certain technical information to improve your experience and ensure security. This includes device information, IP addresses, and usage patterns that help us understand how you interact with lunavorexilo.

• Device type, browser information, and operating system
• IP address and general geographic location
• Pages visited and features used within our platform
• Time spent on different sections and user interaction patterns

Service Provision and Improvement

We analyze your financial data to provide insights, track spending patterns, and generate budget recommendations. This analysis happens automatically through our secure systems to give you real-time updates about your financial health.

• Creating personalized budget recommendations based on spending patterns
• Generating financial reports and spending category analysis
• Sending account balance alerts and budget notifications
• Providing goal tracking and progress monitoring features

Communication and Support

We contact you about account updates, security matters, and service improvements. You can control most communication preferences through your account settings, though some security-related messages are necessary for account protection.

• Account security alerts and unusual activity notifications
• Service updates and new feature announcements
• Response to support requests and technical assistance
• Educational content about financial management practices

Essential Service Partners

Some trusted partners help us deliver our services securely. These companies have strict agreements with us about how they handle your information and can only use it for specific purposes related to lunavorexilo's operations.

• Banking data aggregation services for secure account connections
• Cloud hosting providers for secure data storage and processing
• Email service providers for communication delivery
• Analytics services for platform performance monitoring

Legal and Compliance Requirements

Australian law requires us to share information in certain circumstances. This includes responding to valid legal requests, preventing fraud, and complying with financial services regulations that govern our operations.

• Court orders and law enforcement requests with proper warrants
• Financial crime prevention and anti-money laundering investigations
• Regulatory compliance with AUSTRAC and ASIC requirements
• Protection of lunavorexilo's legal rights and user safety

Technical Safeguards

Our technical infrastructure includes firewalls, intrusion detection systems, and regular security audits. We also employ automated monitoring to detect unusual access patterns or potential security breaches.

• Multi-factor authentication for account access
• Regular security assessments by independent auditors
• Automated logout and session timeout features
• Secure data centers with physical access controls

Access and Correction Rights

You can request access to all personal information we hold about you. If you find any errors or outdated information, we'll correct it promptly once you verify your identity and provide the accurate details.

• Request a complete copy of your personal data within 30 days
• Correct inaccurate information in your profile or financial data
• Update communication preferences and contact details
• Review data sharing arrangements with third parties

Data Deletion and Portability

You can request deletion of your account and associated data, subject to legal retention requirements. We also provide data export options so you can transfer your financial information to other platforms if desired.

• Delete your account and most associated personal information
• Export your financial data in standard formats
• Disconnect specific bank accounts while keeping your lunavorexilo account
• Object to certain data processing activities

Retention Periods

Account information and financial data are retained while your account is active plus seven years after closure, as required by Australian financial services laws. Communication records are kept for three years to support customer service quality.

• Active account data: Retained throughout account lifecycle
• Financial transaction data: Seven years after account closure
• Support communications: Three years from last contact
• Marketing data: Until you withdraw consent or two years of inactivity

Secure Deletion Process

When retention periods expire, we securely delete data using industry-standard methods. This includes overwriting digital storage and destroying physical media to prevent data recovery.