Information We Collect

When you interact with our budgeting platform, we gather different types of information depending on how you use our services. Some of this is stuff you give us directly, other bits come from your activity on our site.

Personal Information You Provide

• Your name, email address, and phone number when you create an account
• Mailing address for correspondence (Semillon Ridge, Gillieston Heights NSW 2321)
• Financial goals and budget preferences you set up in your profile
• Payment information when you subscribe to premium features
• Messages you send through our contact forms or support channels
• Feedback and survey responses you choose to share

Automatically Collected Data

• IP address and general location information (city/state level)
• Browser type, device information, and operating system
• Pages visited, time spent, and navigation patterns on our site
• Referring website or source that brought you to qumeryzolva.com
• Technical data like screen resolution and enabled features

How We Use Your Information

We don't collect data just for the sake of it. Everything we gather serves a specific purpose related to making our budgeting tools work better for you.

Data Storage and Security

Your information lives on secure servers located in Australia. We use industry-standard encryption (TLS 1.3) to protect data during transmission, and our databases have multiple layers of security controls.

Access to personal information is restricted to employees who need it to do their jobs. Our team undergoes regular privacy training, and we conduct security audits twice yearly. But let's be honest – no system is 100% bulletproof. While we take reasonable precautions, we can't guarantee absolute security.

Security Measures Include

• Encrypted storage of sensitive financial information
• Regular security patches and system updates
• Multi-factor authentication options for your account
• Automated monitoring for suspicious activity
• Strict access controls and audit logs
• Secure backup systems with redundancy

Data Retention

We keep your personal information for as long as your account remains active. After you close your account, we retain certain data for seven years to comply with Australian financial record-keeping requirements.

Some information gets deleted sooner. Usage analytics are anonymized after 26 months. Support messages are archived after three years. Marketing preferences can be updated or removed anytime through your account settings.

Third-Party Services

We work with select service providers who help us operate our platform. These companies only access information necessary to perform their specific functions and are contractually required to protect your data.

Service Categories

• Payment processors for handling subscription payments securely
• Cloud hosting providers for infrastructure and data storage
• Email delivery services for sending account notifications
• Analytics tools to understand how people use our site (anonymized data)
• Customer support platforms for managing inquiries

All our third-party providers operate under strict data protection agreements. They can't use your information for their own purposes or share it with others.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. You can exercise these rights by contacting us at help@qumeryzolva.com.

What You Can Do

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to fix inaccurate or incomplete information
• Deletion: Request removal of your data (subject to legal retention requirements)
• Restriction: Limit how we process certain information
• Portability: Receive your data in a structured, machine-readable format
• Objection: Opt out of certain data processing activities

Cookies and Tracking

Our website uses cookies – small text files stored on your device. Most are essential for the site to function properly. Others help us understand usage patterns and improve your experience.

You can control cookie settings through your browser preferences. Keep in mind that blocking certain cookies might affect site functionality. We don't use cookies to track you across other websites or build advertising profiles.

Types of Cookies We Use

• Essential cookies for login, security, and basic site operations
• Preference cookies to remember your settings and choices
• Analytics cookies to measure site performance (anonymized)
• Session cookies that expire when you close your browser

Children's Privacy

Our services are designed for adults managing their finances. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal information, contact us immediately at help@qumeryzolva.com so we can delete it.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website at least 30 days before the changes take effect.

Continued use of our services after policy updates means you accept the revised terms. We recommend checking this page periodically to stay informed about how we protect your information.

Complaints and Disputes

If you're unhappy with how we've handled your personal information, please reach out to us first. We take privacy concerns seriously and will work to resolve issues promptly.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the regulatory body that oversees privacy compliance in Australia.