Privacy Policy

Information We Collect

When you use Scholarzyntherovix's budget forecasting services, we collect several types of information to provide you with personalized financial insights and maintain the security of our platform. This collection happens through various touchpoints during your interaction with our services.

Personal Information

• Full name, email address, and phone number provided during account registration
• Billing address and payment information for subscription services
• Financial data including income, expenses, and budget categories you input
• Bank account information when you choose to connect accounts for automatic data sync
• Communication preferences and marketing consent status

Automatically Collected Data

Our platform automatically gathers certain technical information to improve your experience and maintain service quality. This includes your IP address, browser type and version, operating system, device identifiers, and usage patterns within the application. We also collect timestamps of your activities, feature usage statistics, and error logs to help us diagnose technical issues.

How We Use Your Information

The information we collect serves specific purposes related to delivering and improving our budget forecasting services. We're committed to using your data responsibly and only for legitimate business purposes that benefit your financial planning experience.

Purpose	Data Used	Legal Basis
Budget analysis and forecasting	Financial data, spending patterns	Contract performance
Account management and support	Contact information, usage data	Contract performance
Service improvement and development	Aggregated usage statistics	Legitimate interest
Marketing communications	Contact details, preferences	Consent

We process your financial data to generate personalized budget forecasts, identify spending trends, and provide recommendations for improving your financial health. This analysis happens using automated algorithms that categorize transactions and predict future cash flow based on historical patterns you've shared with us.

Data Sharing and Third Parties

Scholarzyntherovix operates with a strict policy regarding data sharing. We don't sell your personal information to third parties for marketing purposes, and we limit data sharing to essential service providers who help us deliver our budget forecasting platform effectively.

Service Providers We Work With

• Cloud hosting providers for secure data storage and platform availability
• Payment processors for handling subscription billing and refunds
• Email service providers for account notifications and communications
• Analytics providers to understand how users interact with our platform
• Customer support tools that help us respond to your inquiries efficiently

In rare circumstances, we may need to disclose information if required by law, to protect our rights, or to prevent fraud. We'll always notify you of such disclosures unless legally prohibited from doing so.

Your Rights and Choices

You have significant control over your personal information and how we use it. Understanding these rights empowers you to make informed decisions about your data and ensures you can manage your privacy according to your preferences.

Access and Portability

You can request a copy of all personal information we hold about you at any time. This includes your profile data, financial information, usage history, and any communications we've exchanged. We'll provide this information in a structured, commonly used format within 30 days of your request. If you want to transfer your data to another service, we'll help facilitate this process.

Correction and Updates

You can update most of your personal information directly through your account settings. For data that can't be changed through the platform, contact our support team and we'll make the necessary corrections promptly. We encourage you to keep your information current to ensure the accuracy of your budget forecasts.

Deletion and Account Closure

You have the right to request deletion of your personal information. When you close your account, we'll delete your profile information and financial data within 90 days, though we may retain certain records for legal compliance purposes. Some anonymized, aggregated data may be retained to improve our services, but this cannot be linked back to you personally.

Data Security and Protection

Protecting your financial information is our top priority. We employ multiple layers of security measures to safeguard your data against unauthorized access, alteration, disclosure, or destruction. Our security practices meet industry standards and are regularly reviewed and updated.

Technical Safeguards

• 256-bit SSL encryption for all data transmission between your device and our servers
• AES-256 encryption for data stored in our databases
• Multi-factor authentication options for account access
• Regular security audits and penetration testing by independent firms
• Automated backup systems with encrypted storage in geographically separated locations

Operational Security

Our team follows strict security protocols including background checks for employees with data access, regular security training, and principle of least privilege access controls. We monitor our systems 24/7 for suspicious activity and have incident response procedures ready if any security events occur.

While we implement robust security measures, no system is completely immune to threats. We recommend you use strong, unique passwords, enable two-factor authentication, and log out of your account when using shared devices.

Data Retention and International Transfers

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods based on their purpose and regulatory requirements.

Retention Periods

Active account data is retained while your account remains open and for up to 7 years after closure for tax and financial record-keeping purposes. Communication records are kept for 3 years, while anonymized usage analytics may be retained indefinitely for service improvement. Payment information is deleted within 90 days of account closure, except for records required for tax compliance.

International Data Processing

Scholarzyntherovix is based in Australia, and our primary data processing occurs within Australian borders. However, some of our service providers may process data in other countries with adequate data protection laws. When international transfers occur, we ensure appropriate safeguards are in place through standard contractual clauses or other approved mechanisms.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze how our services are used. Understanding how these technologies work helps you make informed choices about your privacy settings.

Types of Cookies We Use

• Essential cookies that enable basic platform functionality like login and session management
• Preference cookies that remember your settings and customization choices
• Analytics cookies that help us understand user behavior and improve our services
• Security cookies that help protect against fraudulent activity and unauthorized access

You can control cookie settings through your browser preferences, though disabling certain cookies may limit some platform functionality. We don't use cookies for cross-site tracking or advertising purposes, focusing instead on improving your budget forecasting experience.

Updates to This Policy

We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or service offerings. When we make significant changes, we'll notify you through your registered email address and prominently display the updated policy on our platform.

We encourage you to review this policy regularly to stay informed about how we protect your information. Continued use of our services after policy updates constitutes acceptance of the revised terms.