Privacy Policy
Your privacy matters to us. We're committed to protecting your personal information and being transparent about how we collect, use, and safeguard your data.
Information We Collect
When you use tulariqivo's budget automation services, we collect several types of information to provide you with personalised financial insights and secure account management.
Personal Information
This includes your name, email address, phone number, and postal address when you create an account or contact us. We also collect financial institution details that you choose to connect through our secure integration systems.
Financial Data
With your explicit consent, we access transaction histories, account balances, and spending patterns from your connected accounts. This data helps our automation tools categorise expenses and create meaningful budget insights.
Technical Information
We automatically collect device information, IP addresses, browser types, and usage patterns to improve our platform's security and functionality. This includes login timestamps and feature usage statistics.
How We Use Your Information
Your data powers tulariqivo's core budget automation features while helping us maintain secure, reliable service for all users.
- Process and categorise your financial transactions automatically
- Generate personalised budget recommendations and spending alerts
- Verify your identity and prevent unauthorised account access
- Send important account notifications and security updates
- Improve our algorithms and develop new automation features
- Comply with Australian financial services regulations and reporting requirements
We never use your personal financial data for marketing purposes or share it with third parties for their commercial benefit. Our automated systems process your information locally within Australia's data centres.
Information Sharing and Disclosure
tulariqivo operates on a principle of minimal data sharing. We only disclose your information in specific, necessary circumstances.
Service Providers
We work with carefully selected Australian service providers for secure data hosting, payment processing, and customer support. These partners sign strict confidentiality agreements and can only access data necessary for their specific services.
Legal Requirements
We may disclose your information when required by Australian law, court orders, or regulatory authorities. This includes compliance with anti-money laundering regulations and tax reporting obligations where applicable.
Business Transfers
In the unlikely event of a merger, acquisition, or sale of tulariqivo's assets, your information would transfer to the new entity under the same privacy protections outlined in this policy.
Data Security and Protection
Protecting your financial information is our highest priority. We employ multiple layers of security designed specifically for Australian financial data handling requirements.
- Bank-level 256-bit SSL encryption for all data transmission and storage
- Multi-factor authentication requirements for account access
- Regular security audits by independent cybersecurity firms
- Automated threat detection and response systems
- Strict employee access controls with detailed activity logging
- Secure data centres located within Australia with 24/7 monitoring
Despite these protective measures, no system is completely immune to security risks. We continuously monitor for potential threats and will notify you immediately if any breach affects your account.
Your Privacy Rights
Under Australian Privacy Principles, you have significant control over your personal information and how we handle it.
Access and Correction
You can request copies of all personal information we hold about you at any time. If you find inaccuracies, we'll correct them promptly and update our systems accordingly.
Data Portability
Request your data in a structured, machine-readable format that you can transfer to other financial management services. We provide this within 30 days of your request.
Deletion Rights
Ask us to delete your account and associated data entirely. We'll remove all information except what we're legally required to retain for tax and regulatory purposes.
Processing Restrictions
You can limit how we use certain types of your data while maintaining your account. This might affect some automation features, but we'll explain any limitations clearly.
Data Retention and Deletion
We retain your information only as long as necessary to provide our services and meet legal obligations under Australian financial regulations.
- Active account data: Retained while your account remains active
- Transaction histories: Kept for 7 years to comply with tax record requirements
- Communication records: Stored for 3 years for customer service purposes
- Technical logs: Automatically deleted after 12 months unless needed for security investigations
- Marketing preferences: Removed immediately upon unsubscribing
When you close your account, we begin immediate deletion of non-essential data while preserving required records in secure, restricted storage.
International Data Transfers
tulariqivo processes and stores all user data within Australia. We don't transfer personal information to overseas entities except in very limited circumstances with your explicit consent.
If international transfer becomes necessary for specific services, we ensure equivalent privacy protections through binding agreements and compliance with Australian cross-border data transfer requirements.
Cookies and Tracking Technologies
tulariqivo uses essential cookies to maintain your secure login sessions and remember your preferences. We also employ analytics cookies to understand how users interact with our platform.
Essential Cookies
These enable core functionality like secure authentication, session management, and fraud prevention. You cannot disable these cookies while using tulariqivo.
Analytics Cookies
Help us understand user behaviour to improve our service. These are optional, and you can disable them through your account settings without affecting platform functionality.
Children's Privacy
tulariqivo's services are designed for adults managing their personal finances. We don't knowingly collect information from individuals under 18 years old.
If we discover that we've inadvertently collected data from someone under 18, we'll delete it immediately and terminate the associated account. Parents or guardians can contact us if they believe their child has provided personal information without authorisation.
Policy Updates and Changes
We review and update this privacy policy annually, or more frequently when significant changes occur to our services or Australian privacy laws.
When we make material changes, we'll notify you through email and prominent notices within your tulariqivo account at least 30 days before the changes take effect. Continued use of our services after notification constitutes acceptance of the updated policy.
We encourage you to review this policy periodically to stay informed about how we protect your privacy. Previous versions are available upon request for your reference.
Privacy Questions and Contact Information
For privacy-related questions, data access requests, or concerns about how we handle your information, please contact our Privacy Officer:
tulariqivo Privacy Officer
111 Harrington St, Sydney NSW 2000, Australia
Phone: +61 411 964 848
Email: privacy@tulariqivo.com