1 Information We Collect

We collect information to provide you with better budget control services and improve your experience with enaquequayxo. The types of data we gather fall into several categories, depending on how you interact with our platform.

Personal Information You Provide

When you create an account or use our services, you might share:

• Your name, email address, and phone number
• Billing and payment information for subscription services
• Financial data related to your budget planning activities
• Communication preferences and support inquiries
• Profile information you choose to add to your account

Automatically Collected Information

When you visit our website or use our mobile application, we automatically collect certain technical information:

• Device identifiers, IP addresses, and browser type
• Usage patterns, including pages viewed and features accessed
• Location data based on your IP address or device settings
• Cookies and similar tracking technologies data

2 How We Use Your Information

The information we collect serves specific purposes related to improving your experience and providing our budget control services effectively.

Service Delivery and Improvement

• Processing your transactions and managing your account
• Providing customer support and responding to your inquiries
• Sending service-related notifications and important updates
• Analyzing usage patterns to enhance our platform features
• Developing new tools and services based on user needs

Communication and Marketing

With your consent, we may use your contact information to:

• Share educational content about budget management
• Inform you about new features or service updates
• Send newsletters with financial planning tips
• Provide personalized recommendations based on your usage

You can opt out of marketing communications at any time through your account settings or by clicking the unsubscribe link in our emails.

Legal and Security Purposes

We process your information to protect our services and comply with legal obligations:

• Detecting and preventing fraud or unauthorized access
• Enforcing our terms of service and protecting user rights
• Complying with Australian financial regulations and reporting requirements
• Responding to legal requests from authorities when required

3 Information Sharing and Disclosure

We don't sell your personal information. However, we may share it with specific third parties under certain circumstances to provide and improve our services.

Service Providers

We work with trusted companies that help us operate our business:

• Cloud hosting providers for secure data storage
• Payment processors for handling transactions
• Email service providers for communications
• Analytics partners to understand user behavior
• Customer support platforms to assist you effectively

These partners are contractually obligated to protect your information and use it only for the services they provide to us.

Legal Requirements

We may disclose your information when legally required or necessary to:

• Comply with Australian laws, regulations, or legal processes
• Respond to valid requests from government authorities
• Protect our rights, property, or safety, and that of our users
• Enforce our agreements or investigate potential violations

4 Data Security and Protection

Protecting your personal and financial information is a top priority. We implement multiple layers of security measures to safeguard your data.

Technical Security Measures

• Industry-standard encryption for data transmission (TLS/SSL)
• Secure data storage with encrypted databases
• Regular security audits and vulnerability assessments
• Multi-factor authentication options for account access
• Automated monitoring systems to detect suspicious activity
• Regular software updates and security patches

Organizational Security

Beyond technical measures, we maintain strict internal policies:

• Limited employee access to personal information based on job requirements
• Confidentiality agreements for all staff handling user data
• Regular security training for our team members
• Incident response procedures for potential breaches

While we implement strong security measures, no system is completely foolproof. We encourage you to use strong passwords and protect your account credentials.

5 Your Rights and Choices

Under Australian privacy law, you have specific rights regarding your personal information. We respect these rights and provide ways for you to exercise them.

Access and Correction

You have the right to:

• Request access to the personal information we hold about you
• Update or correct inaccurate information in your account
• Download a copy of your data in a portable format
• Request deletion of your account and associated data

You can access and update most of your information directly through your account settings. For other requests, contact our privacy team at support@enaquequayxo.com.

Marketing Preferences

You control how we communicate with you:

• Opt out of marketing emails through your account preferences
• Unsubscribe using the link in any promotional email
• Adjust notification settings in your account dashboard
• Contact us to update your communication preferences

Cookie Management

You can control cookies through your browser settings. Keep in mind that disabling certain cookies may affect your ability to use some features of our service.

6 Data Retention and Deletion

We retain your information only as long as necessary to provide our services and comply with legal obligations.

Retention Periods

Different types of information have different retention periods:

• Account information: Retained while your account is active
• Transaction records: Kept for 7 years to comply with Australian tax laws
• Support communications: Stored for 3 years for service improvement
• Marketing data: Retained until you opt out or close your account
• Usage analytics: Aggregated and anonymized data may be kept indefinitely

Account Deletion

When you request account deletion:

• We'll permanently delete your personal information within 30 days
• Some information may be retained in backup systems for up to 90 days
• Financial records required by law will be retained as mandated
• Anonymized usage data may be kept for statistical purposes

To request account deletion, log into your account settings or contact our support team at support@enaquequayxo.com.

7 Children's Privacy

enaquequayxo's services are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 18 without parental consent.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately at support@enaquequayxo.com. We'll take steps to remove such information from our systems.

Users under 18 should only use our services with supervision and permission from a parent or legal guardian.

8 International Data Transfers

While enaquequayxo primarily operates in Australia, some of our service providers may be located overseas. Your information may be transferred to and stored in countries outside Australia.

When we transfer your data internationally:

• We ensure adequate safeguards are in place to protect your information
• We use service providers in countries with strong data protection laws
• We implement contractual protections with international partners
• We comply with Australian Privacy Principle 8 regarding overseas disclosure

The countries where your data may be processed include the United States and the European Union, where many cloud service providers operate their infrastructure.

9 Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations.

When we make significant changes:

• We'll update the "Last Updated" date at the top of this policy
• We'll notify you via email if you have an active account
• We may display a notification on our website or app
• For material changes, we may request your renewed consent

We encourage you to review this policy regularly to stay informed about how we protect your information. Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

10 Complaints and Disputes

If you have concerns about how we handle your personal information, we want to hear from you.

Internal Complaint Process

To lodge a privacy complaint:

• Email our privacy officer at support@enaquequayxo.com with detailed information
• We'll acknowledge your complaint within 5 business days
• We'll investigate the matter and respond within 30 days
• If the matter is complex, we'll keep you updated on progress

External Resolution

If you're not satisfied with our response, you can contact:

• The Office of the Australian Information Commissioner (OAIC)
• Phone: 1300 363 992
• Website: www.oaic.gov.au
• Email: enquiries@oaic.gov.au

The OAIC can investigate complaints about potential breaches of the Australian Privacy Principles and provide independent resolution services.