We collect different types of information depending on how you interact with fylaroravia. Some you give us directly, some we gather automatically, and some comes from how you use our budgeting features.
Privacy Policy
Last Updated: 15 March 2025
At fylaroravia, we know your financial data is personal. This policy explains how we handle your information when you use our short-term budgeting tools and services. We've written this in plain language because privacy shouldn't require a law degree to understand.
We're based in Australia and follow the Australian Privacy Principles under the Privacy Act 1988. If you're reading this, you deserve to know exactly what happens with your data.
Information We Collect
Account Information
Your name, email address, phone number, and billing details when you create an account or subscribe to our services.
Financial Data
Budget entries, spending categories, income sources, and financial goals you input into our platform for short-term planning.
Usage Information
How you navigate our platform, which features you use most, session duration, and interaction patterns with budgeting tools.
Technical Data
IP address, browser type, device information, operating system, and general location data based on IP geolocation.
Important: We never connect directly to your bank accounts or credit cards. All financial information in fylaroravia is manually entered by you, giving you complete control over what data exists in our system.
How We Use Your Information
Your data serves specific purposes. We don't collect information just to have it sitting in a database somewhere.
- Provide and maintain our budgeting platform and all associated features
- Process your account registration and manage your subscription
- Send service updates, security alerts, and important account notifications
- Respond to your support requests and troubleshoot technical issues
- Improve our platform based on how people actually use budgeting tools
- Prevent fraudulent activity and maintain platform security
- Comply with Australian legal obligations and regulatory requirements
- Send educational content about budgeting if you've opted in to receive it
We base our data processing on several legal grounds under Australian privacy law: your consent, our contractual obligations to provide services, compliance with legal requirements, and our legitimate business interests in improving and securing our platform.
Data Retention and Storage
We keep your information as long as you have an active fylaroravia account. When you close your account, we don't immediately delete everything—there are practical and legal reasons for retention periods.
| Data Type | Retention Period | Reason |
|---|---|---|
| Account Information | 90 days after closure | Account recovery and final billing |
| Financial Entries | 30 days after closure | Export requests and data verification |
| Billing Records | 7 years | Australian tax compliance requirements |
| Support Communications | 2 years | Service quality and dispute resolution |
| Security Logs | 1 year | Fraud prevention and security analysis |
Your financial data is stored on secure servers in Sydney, Australia. We use encryption both in transit and at rest. Access to your budget information is restricted to authorized personnel who need it to provide support or maintain our systems.
Sharing and Disclosure
We're not in the business of selling your information. Your budgeting data stays with us except in specific circumstances where sharing is necessary to operate our service or required by law.
Service Providers
We work with third-party companies that help us run fylaroravia. These include payment processors for subscriptions, email service providers for communications, hosting providers for infrastructure, and analytics tools for understanding platform usage. All these providers are bound by strict data protection agreements and can only use your information for the specific services they provide to us.
Legal Requirements
We'll disclose information if required by Australian law, court order, or government request. We may also share data if necessary to protect our legal rights, prevent fraud, or address security issues. We'll notify you about legal requests for your information unless prohibited by law.
Business Transfers
If fylaroravia is acquired by or merged with another company, your information may be transferred as part of that transaction. You'll receive notice before your data is transferred and becomes subject to a different privacy policy.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. These aren't just theoretical—we've built systems to actually honor these requests.
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this in a structured, commonly used format within 30 days of your request.
Correct Inaccuracies
Update incorrect or incomplete information directly in your account settings, or contact us for data you can't change yourself.
Delete Your Data
Request deletion of your personal information. We'll comply except where we're legally required to retain certain records for tax or regulatory purposes.
Object to Processing
Object to how we use your information for specific purposes, particularly for marketing communications or data analysis beyond core service delivery.
Restrict Processing
Request that we limit how we use your data while we resolve disputes about accuracy or lawfulness of processing.
Data Portability
Receive your budgeting data in a machine-readable format to transfer to another service provider if you choose to leave fylaroravia.
To exercise any of these rights, email us at support@fylaroravia.com with your request. We'll verify your identity and respond within 30 days. There's no charge for most requests, though we may charge a reasonable fee for excessive or repetitive requests.
Security Measures
We take security seriously because we're handling your financial information. While no system is completely immune to threats, we've implemented multiple layers of protection.
- Industry-standard TLS encryption for all data transmission between your device and our servers
- AES-256 encryption for financial data stored in our databases
- Regular security audits and penetration testing by independent third parties
- Two-factor authentication available for all accounts
- Automated monitoring systems that alert us to suspicious activity
- Strict access controls limiting who can view your information
- Regular staff training on data protection and security best practices
- Incident response procedures for rapid action if a breach occurs
If we detect a data breach that affects your information, we'll notify you within 72 hours and explain what happened, what information was involved, and what steps we're taking to address it. We'll also notify the Office of the Australian Information Commissioner as required by law.
Cookies and Tracking
fylaroravia uses cookies and similar technologies to keep the platform working smoothly and understand how people use our budgeting tools.
Essential Cookies
These are necessary for the platform to function. They remember your login status, maintain your session, and store essential preferences. You can't disable these without breaking core functionality.
Analytics Cookies
We use these to understand which features get used most, where people encounter problems, and how we can improve the platform. This data is aggregated and doesn't identify you personally. You can opt out through your browser settings.
Preference Cookies
These remember your choices like display settings, notification preferences, and interface customizations so you don't have to reset them every visit.
Most browsers let you control cookies through settings. Be aware that blocking certain cookies may affect platform functionality. We don't use advertising cookies or share cookie data with third-party advertisers.
Children's Privacy
fylaroravia is designed for adults managing their personal finances. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal information, contact us and we'll delete it promptly.
If we discover we've inadvertently collected data from someone under 18, we'll delete that information from our systems within 48 hours.
International Data Transfers
Your data is primarily stored and processed in Australia. Some of our service providers may process data outside Australia, including in the United States and Europe. When this happens, we ensure appropriate safeguards are in place through standard contractual clauses and data processing agreements.
These protections ensure your information receives equivalent protection to what Australian privacy law requires, regardless of where it's processed.
Changes to This Policy
We update this privacy policy occasionally to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you by email and display a notice on the platform before the changes take effect.
We'll also update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically to stay informed about how we protect your information.
Complaints and Disputes
If you have concerns about how we handle your personal information, please contact us first. We'll investigate and respond to your complaint within 30 days.
If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're an independent body that handles privacy complaints in Australia.
Office of the Australian Information Commissioner:
GPO Box 5218, Sydney NSW 2001
Phone: 1300 363 992
Website: www.oaic.gov.au
Questions About Your Privacy?
We're here to help if you have questions about this policy or how we handle your information.
Email: support@fylaroravia.com
Phone: +61 3 9629 2070
Mail: 209 Mitchell St, Bendigo VIC 3550, Australia