At huroveliana, we understand that managing your financial future requires trust. When you're planning budgets that span multiple years, the last thing you want to worry about is how your personal information gets handled.

This privacy policy explains exactly what we do with your data when you use our multi-year budget planning services. We've written this in plain English because financial planning is complex enough without adding legal jargon on top.

Financial planning means working with sensitive data. Here's exactly what we collect and our specific reasons for each piece:

Financial data requires serious security measures. We've built our systems with multiple layers of protection:

• Encryption everywhere: Your data is encrypted both when it's stored on our servers and when it travels between your device and our systems
• Access controls: Only specific team members can access client data, and only when there's a legitimate business need
• Regular security audits: Independent security firms test our systems quarterly to identify potential vulnerabilities
• Secure data centres: We use Australian-based data centres that meet strict physical and digital security standards
• Incident response: If something goes wrong, we have detailed procedures for containing issues and notifying affected clients within 24 hours

The Privacy Act 1988 gives you specific rights regarding your personal information. Here's how to exercise these rights with us:

We don't sell your information to anyone. That's a hard rule with no exceptions. However, we do work with specific third-party services to provide our budget planning platform:

• Cloud hosting providers: Australian-based servers for data storage and processing
• Email service providers: For sending account notifications and budget updates
• Analytics services: To understand how people use our planning tools (all data is aggregated and anonymised)
• Security services: For monitoring and preventing unauthorised access attempts

Each of these providers has signed detailed agreements about how they can handle your information. They're only allowed to use your data for the specific services they provide to us.

Our website uses cookies to remember your preferences and keep you logged in. Here's what each type does:

We keep your information only as long as needed for the purposes we collected it. Here's our retention schedule:

When data reaches the end of its retention period, we delete it completely from our systems. This includes backups and archived copies.

We review this privacy policy annually and update it when we make significant changes to our data practices. If we make changes that materially affect how we handle your information, we'll notify you at least 30 days before the changes take effect.

You'll receive notifications about policy changes through:

• Email to your account address
• Prominent notice on our website
• In-app notification when you next log in

Minor updates (like fixing typos or clarifying existing practices) don't trigger notifications, but we always update the "Last Updated" date at the top of this page.