What Information We Collect

Information You Provide Directly

When you create an account or use our budget tools, you share certain details with us:

• Your name, email address, and contact information
• Financial data you input into our budgeting software, including income figures, expense categories, and transaction details
• Payment information when you subscribe to premium features (processed securely through our payment partners)
• Any messages or feedback you send to our support team

Information Collected Automatically

Our systems gather technical data to keep everything running smoothly:

• Device information like your browser type, operating system, and screen resolution
• IP address and general location data
• Usage patterns, including which features you use most and how long you spend in the app
• Cookies and similar tracking technologies (you can control these in your browser settings)

How We Use Your Information

We're not in the business of selling your data. Here's what we actually do with it:

Marketing Communications

Sometimes we'll send emails about new features or helpful budgeting tips. You can opt out anytime by clicking the unsubscribe link in any email or adjusting your preferences in your account settings.

How We Share Your Information

We keep your data pretty close to the chest, but there are a few situations where sharing is necessary:

All third-party partners sign agreements that require them to protect your information and only use it for specified purposes. We don't let them sell or use your data for their own marketing.

Legal Requirements

We might disclose information if required by Australian law, court order, or government request. We'll notify you if this happens unless we're legally prohibited from doing so.

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information:

To exercise any of these rights, email us at contact@qumeryonixa.com with your request. We'll verify your identity and respond within the timeframes required by law.

How We Protect Your Information

Security isn't just a checkbox for us. We've built multiple layers of protection:

• All data transmitted between your device and our servers uses TLS encryption
• Financial information is encrypted at rest using AES-256 encryption
• We enforce strong password requirements and offer two-factor authentication
• Our team receives regular security training and follows strict access controls
• We conduct annual security audits and penetration testing
• Database backups are encrypted and stored in geographically separate locations

Despite our best efforts, no system is completely invulnerable. If we experience a data breach that affects your information, we'll notify you within 72 hours as required by Australian law.

Data Retention

We keep your information for different periods depending on its purpose:

• Active Account Data: Retained while your account remains open and for 90 days after closure
• Financial Records: Stored for 7 years to comply with Australian taxation law
• Support Correspondence: Kept for 3 years to help resolve future issues
• Marketing Data: Deleted within 30 days of unsubscribing
• Usage Analytics: Anonymized after 24 months and retained indefinitely in aggregate form

When we delete data, we make sure it's permanently removed from our active systems and backups. Some information might persist in archived backups for up to 6 months before complete removal.

International Data Transfers

Our primary servers are located in Australia, but some of our service providers operate globally. When your data moves outside Australia, we ensure adequate protection through:

• Standard contractual clauses approved by Australian authorities
• Verification that recipient countries have equivalent privacy protections
• Additional encryption during transit and storage
• Regular audits of international partners' security practices

If you have concerns about where your data is processed, contact us for specific details about our current infrastructure.

Cookies and Tracking

We use cookies and similar technologies to keep you logged in, remember your preferences, and understand how people use our software.

Types of Cookies We Use

• Essential Cookies: Required for basic functions like logging in and navigating between pages. You can't disable these without breaking the service.
• Preference Cookies: Remember your settings like currency display and notification preferences.
• Analytics Cookies: Help us understand which features get used most and where people run into problems.
• Marketing Cookies: Track whether you clicked through from an ad or email campaign (you can opt out of these).

Most browsers let you control cookies through their settings. Blocking some types might affect your experience with our tools.

Children's Privacy

Our budget software is designed for adults managing their own finances. We don't knowingly collect information from anyone under 18. If you're a parent and discover your child has created an account, contact us immediately so we can delete their information.

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and display a notice in the app for 30 days.

The "Last updated" date at the top tells you when we most recently revised this document. We encourage you to review it periodically, especially before providing new types of information.

Complaints and Disputes

If you're unhappy with how we've handled your information, please contact us first so we can try to resolve the issue. We take complaints seriously and will investigate thoroughly.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner: