Privacy Policy

Who We Are and What This Policy Covers

surovianex operates from our Nelson Bay office, helping Australian families and businesses create sustainable annual budgeting strategies. We've been in the financial planning space since 2019, and we take data protection seriously because trust forms the foundation of every financial relationship.

This privacy policy explains how we collect, use, store, and protect your personal information when you visit our website, use our budgeting tools, or engage with our services. We're committed to transparency about our data practices and compliance with Australian Privacy Principles under the Privacy Act 1988.

When we say "personal information," we mean any information that can identify you as an individual. This includes obvious things like your name and email address, but also extends to your financial patterns, budgeting preferences, and how you interact with our platform.

Information We Collect

We collect this information in several ways. Some you provide directly when creating an account or setting up your budget. Other information comes from your interactions with our platform - which tools you use most, how you navigate through different sections, and what types of reports you generate.

We also gather technical information automatically, like your IP address, browser type, and operating system. This helps us ensure our platform works smoothly across different devices and helps us identify potential security issues.

How We Use Your Information

Your information serves several key purposes in delivering our budgeting services. First and foremost, we use it to provide the core functionality you expect - creating personalized budget recommendations, tracking your financial progress, and generating reports that help you make better spending decisions.

• Creating and maintaining your budgeting account and preferences
• Generating personalized budget recommendations based on your financial patterns
• Sending you important updates about your account or changes to our services
• Providing customer support when you need assistance with our tools
• Improving our platform based on how users interact with different features
• Ensuring platform security and preventing unauthorized access
• Complying with legal requirements and financial regulations

We occasionally send educational content about budgeting strategies or updates about new features that might benefit your financial planning. You can adjust these communication preferences in your account settings at any time.

We never use your financial information for advertising purposes or sell your data to third parties. Your budgeting details remain confidential and are only accessed by our team when necessary to provide support or improve our services.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information. We've designed our systems to make exercising these rights as straightforward as possible.

To exercise any of these rights, contact our privacy team using the details at the end of this policy. We'll typically respond within 30 days and won't charge fees for reasonable requests. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner.

Data Security and Protection

Protecting your financial information is fundamental to everything we do. We employ multiple layers of security measures designed to prevent unauthorized access, data breaches, and other security incidents that could compromise your privacy.

All data transmission between your device and our servers uses industry-standard TLS encryption. Your passwords are hashed using robust algorithms, and we never store them in plain text. Our servers are hosted in Australian data centers that meet strict security standards and undergo regular security audits.

• 256-bit SSL encryption for all data transmission and storage
• Multi-factor authentication available for all user accounts
• Regular security audits and penetration testing by independent experts
• Automated monitoring for suspicious access patterns or unauthorized attempts
• Employee background checks and ongoing security training programs
• Incident response procedures for rapid containment of any security issues

We limit access to your personal information on a need-to-know basis. Only authorized team members who require access to perform their job functions can view your data, and all access is logged and monitored. Our development and testing environments use anonymized data sets to protect your privacy during system improvements.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and meet legal requirements. Different types of data have different retention periods based on their purpose and applicable regulations.

When retention periods expire, we securely delete your information using industry-standard data destruction methods. For digital records, this means cryptographic erasure and multiple-pass overwriting. Any physical documents are shredded and disposed of through certified destruction services.

You can request early deletion of your account and data at any time, though we may need to retain certain information longer to comply with legal obligations or resolve ongoing disputes.

Third-Party Services and Data Sharing

We work with carefully selected third-party services to deliver our budgeting platform effectively. These partnerships are governed by strict data protection agreements that ensure your information receives the same level of protection you expect from us directly.

We share your information only when necessary and only with trusted partners who meet our security standards. We never sell your personal data or share it for marketing purposes outside of surovianex. Here's what information we share and why:

• Cloud hosting providers for secure data storage and platform reliability
• Email service providers for account notifications and support communications
• Analytics services to understand how our platform is used and identify improvements
• Payment processors for handling subscription billing and financial transactions
• Customer support tools to provide efficient assistance when you need help
• Security services for fraud detection and platform protection

All third-party providers must demonstrate compliance with Australian privacy laws and international data protection standards. We regularly review these relationships and can provide more details about specific providers upon request.

In rare circumstances, we may be required to disclose your information to law enforcement or regulatory authorities when legally obligated to do so. We'll notify you of such requests unless prohibited by law.

Cookies and Website Analytics

Our website uses cookies and similar technologies to provide a personalized experience and understand how you interact with our platform. Most of these cookies are essential for basic functionality, while others help us improve our services.

Essential cookies enable features like keeping you logged in, remembering your preferences, and ensuring secure access to your budget data. These cookies are necessary for our service to function properly and cannot be disabled without affecting your user experience.

We also use analytics cookies to understand which features are most valuable to our users, identify potential issues, and guide improvements to our platform. This information is aggregated and anonymized - we can see that certain pages are popular or that users struggle with specific features, but we can't tie this back to individual identities.

You can control cookie settings through your browser preferences, though disabling certain cookies may limit some functionality. We don't use cookies for advertising purposes or share cookie data with marketing networks.

International Data Transfers

We primarily store and process your data within Australia using local data centers and service providers. However, some of our technology partners operate internationally, which may result in your information being accessed or processed outside Australia.

When international transfers occur, we ensure appropriate safeguards are in place. This includes using providers in countries with adequate data protection laws, implementing contractual protections that meet Australian privacy standards, and conducting regular compliance reviews.

If you have concerns about international data transfers, please contact us. We can provide more specific information about where your data is processed and what protections are in place.

Changes to This Privacy Policy

We review and update this privacy policy regularly to reflect changes in our services, legal requirements, and privacy practices. When we make significant changes that affect how we handle your personal information, we'll notify you via email and provide a summary of the key changes.

Minor updates, like clarifying existing practices or updating contact details, may be made without direct notification, though we'll always update the "last modified" date at the top of this policy.

We encourage you to review this policy periodically to stay informed about how we protect your privacy. If you disagree with any changes, you can close your account or contact us to discuss your concerns.