Privacy Policy
Your privacy matters to us - here's how we protect your personal information
Introduction and Overview
At tilanoruthives (tilanoruthives.com), we understand that your personal information is valuable and deserves protection. This comprehensive privacy policy explains exactly how we collect, use, store, and safeguard your data when you interact with our budget essentials platform.
We believe transparency builds trust. That's why we've written this policy in clear, straightforward language – because legal jargon shouldn't hide what matters most: how your information is handled.
This policy applies to all services provided through tilanoruthives.com, including our learning programs, budget planning tools, and financial resources. By using our platform, you're agreeing to the practices described in this document.
Information We Collect
We collect different types of information to provide you with personalized budget management services and improve your overall experience on our platform.
- Full name and preferred display name
- Email address for account creation and communication
- Phone number for account security and support
- Physical address for service customization
- Date of birth for age verification and compliance
- Income details and employment information
- Expense categories and spending patterns
- Budget goals and financial objectives
- Payment information for premium services
- Financial institution connections (with your explicit consent)
- Device information, IP addresses, and browser details
- How you navigate and interact with our platform
- Feature usage patterns and preferences
- Login times and session duration
- Error reports and performance data
How We Use Your Information
Your data serves specific purposes that directly benefit your experience with our budget management platform. We never use your information for purposes beyond what's described here.
We use your personal and financial information to create personalized budget recommendations, track your progress toward financial goals, and provide relevant educational content that matches your specific situation.
Your contact information allows us to send important account updates, respond to your questions, and provide customer support. We also use this data to notify you about new features or services that might benefit your budget management journey.
We analyze usage patterns and technical data to detect unusual activity, prevent unauthorized access, and protect both your account and our platform from potential security threats.
Aggregated, anonymized usage data helps us understand which features are most valuable, where users encounter difficulties, and how we can make the platform more effective for budget management.
Information Sharing and Disclosure
We maintain strict controls over who can access your personal information. Here's exactly when and why we might share your data with others.
We work with carefully selected third-party companies that help us deliver our services – including payment processors, cloud storage providers, and analytics services. These partners can only use your data for the specific services they provide to us, and they're bound by strict confidentiality agreements.
We may disclose your information if required by law, such as responding to valid court orders, government investigations, or legal processes. We'll always try to notify you about such requests unless legally prohibited from doing so.
If tilanoruthives is acquired by or merged with another company, your information may be transferred as part of that transaction. You'll receive advance notice of any such change, and you'll have options regarding your data.
Important: We never sell your personal information to marketers, data brokers, or other companies for their own use. Your financial data is particularly sensitive, and we treat it with the highest level of protection.
Your Privacy Rights
You have significant control over your personal information. These rights are designed to give you transparency and choice about how your data is handled.
Request a complete copy of all personal information we hold about you, including how it's been used and who it's been shared with.
Update or correct any personal information that's inaccurate or incomplete. Most corrections can be made directly in your account settings.
Request deletion of your personal data, subject to certain legal and operational requirements for financial services.
Restrict how we use your information in certain circumstances, such as while disputing the accuracy of your data.
To exercise any of these rights, contact us using the information provided at the bottom of this policy. We'll respond within 30 days and verify your identity before processing your request. There's no cost for most requests, though we may charge reasonable fees for excessive or repetitive requests.
Data Security and Protection
Protecting your information is our top priority. We've implemented multiple layers of security to safeguard your data against unauthorized access, theft, and misuse.
- 256-bit SSL encryption for all data transmission
- Advanced encryption for stored financial information
- Regular security audits and penetration testing
- Multi-factor authentication for account access
- Automated monitoring for suspicious activity
Our employees receive regular security training and can only access your information when necessary for their job functions. We maintain detailed logs of who accesses what data and when.
In the unlikely event of a data breach, we have procedures in place to contain the incident, assess the impact, and notify affected users within 72 hours. We'll provide clear information about what happened and what steps you should take.
Data Retention and Deletion
We keep your information only as long as necessary to provide our services and meet legal obligations. Different types of data have different retention periods based on their purpose and regulatory requirements.
Basic account details are retained while your account is active and for up to 7 years after closure, as required by financial service regulations in Australia.
Budget information and financial data are kept for 5 years after your last active use, allowing you to access historical data for tax purposes and long-term financial planning.
Usage logs and technical information are typically deleted after 2 years, though some aggregated analytics data may be retained longer in anonymized form.
When we delete your data, it's permanently removed from our active systems and backups. Some information may persist in archived systems for a short period due to technical constraints, but it becomes inaccessible for practical purposes.
International Data Transfers
tilanoruthives operates primarily within Australia, but some of our service providers may process data in other countries. When we transfer your information internationally, we ensure it receives the same level of protection as required by Australian privacy laws.
We use standard contractual clauses and other approved transfer mechanisms to protect your data when it crosses borders. You have the right to request information about any international transfers that affect your personal data.
Children's Privacy
Our services are designed for adults aged 18 and older. We don't knowingly collect personal information from children under 18. If we discover that we've inadvertently collected such information, we'll delete it immediately.
Parents or guardians who believe their child has provided us with personal information should contact us right away using the details provided below.
Changes to This Policy
We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you via email and prominently display the updates on our website.
You'll always be able to see when this policy was last updated by checking the effective date at the top. We encourage you to review this policy periodically to stay informed about how we protect your information.
If you disagree with any changes, you can close your account before they take effect. Continued use of our services after policy updates indicates your acceptance of the revised terms.
Questions About Your Privacy?
We're here to help with any privacy-related questions or concerns.
Email: info@tilanoruthives.com
Phone: +61426420049
Address: 187 Chesterfield Dr, Bonogin QLD 4213, Australia
Our privacy team typically responds within 2 business days.