Privacy Policy
Last Updated: 15 March 2025At iovarouion, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you use our household budgeting services. We're committed to being transparent about our practices and giving you control over your data.
Information We Collect
When you use iovarouion's budgeting tools, we gather different types of information to provide you with a personalized experience. Some of this you give us directly, while other bits we collect automatically as you interact with our platform.
- Name, email address, and phone number when you create an account
- Financial data you input, including income amounts, expense categories, and budget goals
- Payment information if you subscribe to premium features
- Correspondence with our support team, including any questions or feedback you send us
- Survey responses or contest entries you choose to participate in
- Device information such as your IP address, browser type, and operating system
- Usage patterns, including which features you use most and how long you spend on the platform
- Cookie data that helps us remember your preferences and improve your experience
- Location data based on your IP address to provide region-specific content
Australian Privacy Principles Compliance: iovarouion operates in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). We're registered with the Office of the Australian Information Commissioner and follow all applicable privacy laws.
How We Use Your Information
We don't just collect your data for the sake of it. Everything we gather serves a specific purpose in making iovarouion better for you. Here's what we actually do with your information.
- Provide and maintain our budgeting services, including calculating your spending patterns and generating financial insights
- Process your transactions and send you receipts or subscription confirmations
- Send you educational content about household budgeting, financial management tips, and platform updates
- Respond to your questions and provide customer support when you need help
- Improve our platform based on how people actually use it, fixing bugs and adding requested features
- Protect against fraudulent activity and ensure the security of your account
- Comply with legal obligations and respond to lawful requests from Australian authorities
We analyze usage data to understand which features work well and which need improvement. But this analysis happens in aggregate – we're looking at patterns across all users, not snooping on individual accounts.
Information Sharing and Disclosure
We're not in the business of selling your personal information. That said, there are specific situations where we share data with others, and we want to be upfront about when that happens.
| Who We Share With | What We Share | Why We Share It |
|---|---|---|
| Payment Processors | Transaction details, billing information | To process your subscription payments securely |
| Cloud Service Providers | Account data, usage information | To host our platform and store data securely |
| Analytics Partners | Anonymized usage statistics | To understand platform performance and user behavior |
| Email Service Providers | Email address, name, communication preferences | To send you updates and educational content |
| Legal Authorities | Information required by law | When legally required or to protect rights and safety |
All third-party service providers we work with are contractually bound to protect your information and can only use it for the specific purposes we authorize. We vet these partners carefully before sharing any data.
Your Privacy Rights
Under Australian privacy law, you have several rights when it comes to your personal information. These aren't just theoretical – we've built systems to make exercising these rights straightforward.
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this within 30 days in a readable format.
Correct Information
Update or correct any inaccurate personal data. You can do this directly in your account settings or by contacting us.
Delete Your Account
Request deletion of your account and associated data. We'll remove it within 60 days, subject to legal retention requirements.
Export Your Data
Download your financial data in a portable format to use with other services or for your records.
Opt Out of Marketing
Unsubscribe from promotional emails at any time using the link in each message or through account settings.
Lodge a Complaint
Submit a privacy complaint to us or to the Office of the Australian Information Commissioner if you're not satisfied with our response.
To exercise any of these rights, email us at help@iovarouion.com with your request. We'll verify your identity and respond within the timeframes required by Australian privacy law. There's no fee for most requests, though we may charge a reasonable amount for excessive or repetitive requests.
Data Security and Protection
Protecting your financial information is something we think about constantly. We use industry-standard security measures, but we also want you to understand what that actually means in practice.
- All data transmission uses TLS encryption, which is the same technology banks use for online banking
- Your password is hashed and salted before storage, so even we can't see what you've chosen
- Our servers are located in secure Australian data centers with physical access controls
- We perform regular security audits and penetration testing to identify vulnerabilities
- Employee access to personal data is restricted on a need-to-know basis
- We maintain detailed logs of who accesses what data and when
- Regular backups ensure your data can be recovered if something goes wrong
Despite these precautions, no internet transmission is completely secure. We do our best to protect your information, but we can't guarantee absolute security. You can help by using a strong password and not sharing your login credentials with anyone.
Data Retention Periods
We don't keep your information forever. Different types of data have different retention periods based on legal requirements and legitimate business needs.
| Data Type | Retention Period |
|---|---|
| Account information and financial data | Duration of your active account plus 7 years (tax requirement) |
| Transaction records | 7 years from transaction date (legal requirement) |
| Support correspondence | 3 years from last contact |
| Marketing communications data | Until you unsubscribe or 2 years of inactivity |
| Usage logs and analytics | 18 months in identifiable form, then anonymized |
| Deleted account data | 30-day recovery period, then permanently deleted |
When retention periods expire, we securely delete or anonymize your data. Anonymized data no longer identifies you personally and may be kept for statistical analysis and service improvement.
Cookies and Tracking Technologies
Like most websites, we use cookies and similar technologies. These are small files stored on your device that help the platform work properly and remember your preferences.
- Essential cookies: Required for basic functionality like logging in and maintaining your session. These can't be disabled.
- Preference cookies: Remember your settings and customization choices so you don't have to re-enter them each visit.
- Analytics cookies: Help us understand how people use iovarouion so we can make improvements. These collect anonymized information.
- Marketing cookies: Track whether you've seen our ads elsewhere and measure their effectiveness. You can opt out of these.
You can control cookie settings through your browser preferences. Keep in mind that blocking certain cookies might affect how the platform works for you. Most browsers also offer a "Do Not Track" option, which we respect.
International Data Transfers
Your data is primarily stored on servers located in Australia. However, some of our service providers operate globally, which means your information might be transferred to or accessed from other countries.
When we transfer data internationally, we ensure appropriate safeguards are in place through standard contractual clauses and by working only with providers who meet strict privacy standards. Any international transfers comply with APP 8 requirements.
If you're accessing iovarouion from outside Australia, your information will be transferred to Australia and processed under Australian privacy law. By using our services, you consent to this transfer and processing.
Children's Privacy
iovarouion is designed for adults managing household finances. We don't knowingly collect personal information from children under 18 without parental consent.
If you're a parent and believe your child has provided us with personal information, please contact us immediately at help@iovarouion.com. We'll delete the information as quickly as possible.
Changes to This Policy
Privacy regulations evolve, and so does our platform. We may update this policy periodically to reflect changes in our practices or legal requirements.
When we make significant changes, we'll notify you via email or through a prominent notice on the platform. The "Last Updated" date at the top of this page shows when we last modified the policy. We encourage you to review it occasionally to stay informed about how we protect your information.
Continued use of iovarouion after changes take effect means you accept the updated policy. If you don't agree with changes, you can close your account before they take effect.
Questions About Your Privacy?
We're here to help if you have any questions or concerns about how we handle your personal information. Don't hesitate to reach out.