Privacy Policy

Effective Date: January 15, 2025

At tharoxenta, we understand that managing your household budget means sharing personal financial information with us. We take this responsibility seriously and want you to feel confident about how we collect, use, and protect your data.

This privacy policy explains our practices in straightforward terms. We believe in transparency — no legal jargon or hidden clauses. If something isn't clear, please reach out to us directly.

Information We Collect

When you use tharoxenta's budgeting services, we collect information that helps us provide personalized financial guidance. Here's what we gather and why:

Account Information

Your name, email address, phone number, and postal address. We need this to create your account and communicate with you about your budget plans.

Financial Data

Income details, expense categories, spending patterns, and budget goals. This information is essential for creating meaningful budget recommendations.

Usage Information

How you interact with our platform, which features you use most, and where you might need additional support.

Device Information

Basic technical information about your device and browser to ensure our platform works properly for you.

Important: We never collect your actual bank account numbers, passwords, or other sensitive financial credentials. Our system works with the budget information you manually enter or choose to import.

How We Use Your Information

Every piece of information we collect serves a specific purpose in helping you manage your household budget more effectively:

  • Creating personalized budget plans based on your income and expenses
  • Sending you relevant tips and insights about household financial management
  • Identifying spending patterns that might help you save money
  • Providing customer support when you have questions
  • Improving our platform based on how Australian families actually use budgeting tools
  • Complying with Australian financial services regulations

Information Sharing

We don't sell your personal information. Period. Here are the only circumstances where we might share your data:

  • With your explicit consent for specific services
  • With trusted service providers who help us operate our platform (they're contractually bound to protect your information)
  • When required by Australian law or legal process
  • To protect our rights or the safety of our users

Any third-party services we work with must meet the same privacy standards we maintain.

Your Rights Under Australian Privacy Law

The Australian Privacy Act gives you significant control over your personal information. Here's what you can do:

1

Access Your Information

Request a copy of all personal information we hold about you. We'll provide this within 30 days at no charge.

2

Correct Your Information

Ask us to update or correct any inaccurate personal information. You can also update most details directly in your account settings.

3

Delete Your Information

Request deletion of your personal information, subject to any legal requirements we have to retain certain records.

4

Restrict Processing

Limit how we use your information while maintaining your account access for essential budgeting features.

5

Data Portability

Export your budget data in a format you can use with other financial tools or services.

Data Security

We protect your information using industry-standard security measures:

  • 256-bit SSL encryption for all data transmission
  • Regular security audits and vulnerability assessments
  • Restricted access to personal information on a need-to-know basis
  • Secure data centers with 24/7 monitoring
  • Regular staff training on privacy and security best practices

While we implement strong security measures, remember that no online service is 100% secure. We recommend using strong, unique passwords and keeping your account information confidential.

Data Retention

We keep your information only as long as necessary to provide our services and comply with legal requirements:

  • Account information: While your account is active plus 7 years
  • Budget data: While your account is active plus 3 years
  • Usage logs: 12 months for service improvement
  • Communication records: 3 years for customer service purposes

When we delete your information, we do so securely and completely from our systems and backups.

Cookies and Tracking

We use cookies and similar technologies to improve your experience on our platform. Here's what we use and why:

Essential Cookies

Required for basic platform functionality, security, and keeping you logged in. These can't be disabled.

Analytics Cookies

Help us understand how you use our platform so we can make improvements. You can opt out of these.

Preference Cookies

Remember your settings and preferences to personalize your experience.

You can control cookie settings through your browser, but disabling certain cookies might affect platform functionality.

International Data Transfers

Your personal information is primarily stored and processed within Australia. However, some of our trusted service providers may be located overseas, including:

  • Cloud storage providers in the United States (with Australian data sovereignty requirements)
  • Customer support tools based in New Zealand
  • Analytics services that help us improve our platform

When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information according to Australian privacy standards.

Children's Privacy

tharoxenta's budgeting services are designed for adults managing household finances. We don't knowingly collect personal information from children under 13.

If you're a parent using our platform to teach budgeting skills to your teenager, you remain responsible for any information shared through your account. We recommend discussing online privacy with your children as part of their financial education.

We may update this privacy policy occasionally to reflect changes in our practices or legal requirements. We'll notify you of significant changes via email or through our platform at least 30 days before they take effect.

Privacy Questions or Concerns?

We're here to help with any questions about your privacy or how we handle your information. Getting in touch is easy.

Email
info@tharoxenta.com
Phone
+61 2 6251 4144
Post
15 Riordan St, Fadden ACT 2904

If you're not satisfied with our response to your privacy concerns, you can contact the Office of the Australian Information Commissioner (OAIC).