Information We Collect
brivaraosent collects several types of information to provide you with effective budget optimisation services. We're transparent about what we collect and why we need it.
Personal Information
Name, email address, phone number, and postal address when you create an account or contact us for services.
Financial Information
Bank account details, income information, and expense categories to provide personalised budget analysis.
Usage Data
How you interact with our platform, including pages visited, features used, and time spent on our service.
Device Information
IP address, browser type, device identifiers, and operating system information for security and service improvement.
We only collect information that's necessary to provide our budget optimisation services effectively. You can control much of this information through your account settings.
How We Use Your Information
Your information helps us deliver personalised budget optimisation services and improve our platform. Here's how we use what we collect:
- Analyse your spending patterns and provide customised budget recommendations
- Send you service updates, financial insights, and account notifications
- Verify your identity and prevent unauthorised account access
- Improve our services based on user behaviour and feedback
- Comply with legal obligations and regulatory requirements in Australia
- Respond to customer support enquiries and resolve technical issues
Legal Basis for Processing (Australian Privacy Principles)
Under Australian privacy law, we process your personal information when it's necessary for legitimate business purposes, when you've given consent, or when required by law. You can withdraw consent at any time through your account settings or by contacting us directly.
Information Sharing and Disclosure
brivaraosent doesn't sell your personal information. We only share your data in specific circumstances that support our service delivery or meet legal requirements.
Service Providers
We work with trusted third-party providers who help us deliver our services. These include cloud hosting providers, email services, and payment processors. All service providers sign agreements requiring them to protect your information and use it only for specified purposes.
Legal Requirements
We may disclose your information when required by Australian law, court orders, or government requests. This includes situations involving potential fraud, security threats, or regulatory compliance requirements under Australian financial services legislation.
Business Transfers
If brivaraosent undergoes a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We'd notify you before your information becomes subject to a different privacy policy.
Data Security Measures
Protecting your financial information is our priority. We employ multiple layers of security to safeguard your data against unauthorised access, alteration, or destruction.
- 256-bit SSL encryption for all data transmission between your device and our servers
- Regular security audits and penetration testing by independent security firms
- Multi-factor authentication options for your account access
- Encrypted data storage with access limited to authorised personnel only
- Regular staff training on privacy and security best practices
- Incident response procedures to address any potential security breaches
While we implement strong security measures, no system is completely secure. We recommend using strong, unique passwords and enabling two-factor authentication on your account.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. We respect these rights and provide easy ways for you to exercise them.
Access Your Information
Request a copy of the personal information we hold about you. We'll provide this within 30 days in a commonly used electronic format.
Correct Inaccuracies
Update or correct any personal information that's inaccurate or incomplete. You can make many changes directly through your account settings.
Delete Your Information
Request deletion of your personal information, subject to legal and regulatory requirements we must meet as a financial service provider.
Restrict Processing
Limit how we use your information in certain circumstances, such as while we verify the accuracy of disputed information.
Data Portability
Receive your personal information in a structured format that you can transfer to another service provider if you choose.
To exercise any of these rights, contact us using the information provided at the bottom of this policy. We may need to verify your identity before processing your request.
Data Retention and Deletion
We retain your personal information only as long as necessary to provide our services and meet legal obligations. Different types of information have different retention periods.
Retention Periods
- Account information: Retained while your account is active, plus 7 years after closure for regulatory compliance
- Financial transaction data: Retained for 7 years as required by Australian taxation law
- Usage and analytics data: Typically retained for 2 years, then anonymised or deleted
- Marketing communications data: Retained until you unsubscribe or request deletion
When retention periods expire, we securely delete or anonymise your information. Some anonymised data may be retained longer for statistical analysis and service improvement purposes.
International Data Transfers
brivaraosent primarily operates within Australia, but some of our service providers may process your information in other countries. We ensure appropriate safeguards protect your information during international transfers.
Transfer Safeguards
When we transfer personal information internationally, we use mechanisms approved under Australian privacy law, including standard contractual clauses, adequacy decisions, and binding corporate rules. We only work with providers who demonstrate adequate privacy protections.
Countries where your information might be processed include the United States, Singapore, and members of the European Union, all with appropriate contractual protections in place.
Children's Privacy
brivaraosent's budget optimisation services are designed for adults who manage their own finances. We don't knowingly collect personal information from children under 13 years of age.
If we become aware that we've inadvertently collected information from a child under 13, we'll take steps to delete that information promptly. Parents or guardians who believe their child has provided us with personal information should contact us immediately.
Users between 13 and 18 years old may use our service with parental consent, though our financial services are primarily intended for adults with independent financial responsibilities.
Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. When we make significant changes, we'll notify you through prominent website notices or direct communication.
We encourage you to review this policy regularly to stay informed about how we protect your information. The "Last Updated" date at the top of this policy indicates when the most recent changes were made.
Continued use of brivaraosent's services after policy changes constitutes acceptance of the updated terms. If you disagree with changes, you may close your account and discontinue using our services.
Privacy Questions or Concerns?
Contact our privacy team for questions about this policy or how we handle your information.
Email: support@brivaraosent.com
Phone: +61 414 268 081
Address: 12 Phyllis St, Rockhampton QLD 4700, Australia
We respond to privacy enquiries within 5 business days and aim to resolve concerns promptly and thoroughly.