1 Information We Collect

We collect information that helps us provide better financial guidance and personalised insights. The data we gather falls into several categories, each serving specific purposes in delivering our services.

2 How We Use Your Information

Your information helps us create a personalised experience that supports your financial wellbeing. We process data for legitimate business purposes and with your consent where required.

• Provide personalised financial insights and habit recommendations based on your goals
• Send educational content about budgeting, saving, and financial planning
• Improve our platform features and user experience through usage analysis
• Communicate important updates about your account and our services
• Provide customer support and respond to your enquiries
• Ensure platform security and prevent fraud or misuse
• Comply with legal obligations and regulatory requirements in Australia

3 Data Sharing and Third Parties

We're selective about who we share your information with. Our approach prioritises your privacy while enabling us to provide comprehensive financial guidance services.

We may share your information with:

• Service Providers: Technology partners who help operate our platform, process payments, or provide customer support
• Analytics Partners: Companies that help us understand how our platform is used and how we can improve it
• Legal Authorities: When required by law, court order, or to protect rights and safety
• Business Partners: Financial education providers or budgeting tool integrations, with your explicit consent

We never sell your personal information to third parties for marketing purposes. Any data sharing is governed by strict agreements that require partners to protect your information to the same standards we maintain.

4 Your Privacy Rights

Under Australian privacy law, you have significant control over your personal information. We've designed our systems to make exercising these rights straightforward and accessible.

To exercise any of these rights, contact us using the information provided at the bottom of this policy. We typically respond to requests within 30 days and may need to verify your identity for security purposes.

5 Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorised access, alteration, disclosure, or destruction. Our security framework includes both technical and organisational safeguards.

• End-to-end encryption for data transmission and storage
• Regular security audits and vulnerability assessments
• Access controls limiting staff access to necessary information only
• Secure data centres with physical and digital protection measures
• Regular staff training on privacy and security best practices
• Incident response procedures for any potential security breaches

While we maintain industry-standard security practices, no system is completely immune to threats. We continuously monitor and update our security measures to address evolving risks and maintain the highest level of protection for your data.

6 Data Retention and Deletion

We keep your personal information only as long as necessary to provide our services, comply with legal obligations, and resolve disputes. Different types of information have different retention periods based on their purpose and legal requirements.

You can request early deletion of your data by contacting us directly. We'll process deletion requests promptly, except where information must be retained for legal or regulatory compliance.

7 International Data Transfers

calytriona operates primarily within Australia, but some of our service providers and technology partners are located overseas. When your information is transferred internationally, we ensure appropriate safeguards are in place.

Countries where your data may be processed include:

• United States - for cloud hosting and analytics services
• European Union - for customer support and communication tools
• Singapore - for payment processing and fraud prevention

All international transfers comply with Australian privacy law requirements, including adequate protection mechanisms such as standard contractual clauses or adequacy decisions. We regularly review our international partners to ensure ongoing compliance with privacy standards.

8 Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience on our platform, understand usage patterns, and provide personalised content. You have control over how these technologies are used.

You can manage cookie preferences through your browser settings or our cookie preference centre. Disabling certain cookies may limit some platform features, but won't prevent you from using core financial tracking tools.

9 Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. We'll notify you of significant changes through email or prominent platform notices.

When we make changes, we'll:

• Update the effective date at the top of this policy
• Provide clear notification of material changes
• Give you reasonable time to review updates before they take effect
• Maintain previous versions for your reference

We encourage you to review this policy regularly to stay informed about how we protect your information. Your continued use of our platform after policy updates constitutes acceptance of the revised terms.