Privacy Policy
Effective Date: 1 February 2025
At zamuldarrebaeis, we understand that trusting us with your financial information is a big deal. This policy explains what we collect, why we collect it, and what you can do about it. We've written this in plain English because nobody enjoys reading legal jargon.
Information We Collect
When you use our budget benchmarking services, we collect different types of information. Some you give us directly, and some we gather automatically as you interact with our platform.
Personal Information You Provide
- Account Details: Your name, email address, phone number, and password when you create an account
- Financial Information: Budget data, spending categories, income ranges, and financial goals you choose to share
- Communication Records: Messages you send us through contact forms, email, or phone calls
- Payment Information: Credit card details or bank account information if you subscribe to premium features
Information We Collect Automatically
- Usage Data: How you navigate our site, which features you use most, and how long you spend on different pages
- Device Information: Browser type, operating system, IP address, and device identifiers
- Location Data: General geographic location based on your IP address to provide region-specific benchmarking data
How We Use Your Information
We're not in the business of collecting data for the sake of it. Everything we gather serves a specific purpose related to improving your experience and our service.
| Purpose | Description |
|---|---|
| Service Delivery | To provide accurate budget benchmarking, compare your financial patterns with relevant peer groups, and generate personalised insights |
| Account Management | To maintain your account, process transactions, and communicate about service updates or issues |
| Platform Improvement | To understand how people use our tools and identify areas where we can make things better |
| Security | To detect and prevent fraud, unauthorised access, and other potential security issues |
| Legal Compliance | To meet our obligations under Australian financial services regulations and privacy laws |
About Benchmarking Data
When we create benchmarking reports, we aggregate and anonymise data from many users. Your individual information never appears in these reports. We combine data from thousands of users to show you how your budget compares to similar households or businesses.
Data Sharing and Third Parties
We don't sell your personal information. Period. But we do work with some third parties to deliver our services effectively.
Service Providers We Work With
- Cloud Hosting: We use secure Australian-based cloud infrastructure to store your data
- Payment Processors: Trusted financial institutions handle payment transactions securely
- Analytics Tools: We use analytics services to understand how our platform performs
- Communication Services: Email and messaging platforms help us stay in touch with you
All third parties we work with are required to maintain strict confidentiality and security standards. They can only use your information for the specific purposes we've authorised.
Legal Requirements
We may disclose your information if required by Australian law, court order, or government regulation. We'll notify you about such requests unless prohibited by law.
Your Privacy Rights
Under Australian privacy legislation, particularly the Privacy Act 1988 and Australian Privacy Principles, you have several rights regarding your personal information.
Access Your Data
You can request a copy of all personal information we hold about you. We'll provide this within 30 days of your request.
Correct Information
If any information we hold is inaccurate or outdated, you can ask us to correct it. You can update most details directly through your account settings.
Delete Your Data
You can request deletion of your account and associated data. Some information may be retained for legal or regulatory purposes.
Data Portability
You can download your financial data in a common format to use with other services or for your own records.
Opt-Out of Marketing
You can unsubscribe from promotional emails at any time. Account-related communications will continue as necessary.
Object to Processing
You can object to certain types of data processing. We'll review your request and respond within a reasonable timeframe.
To exercise any of these rights, contact our privacy team at contact@zamuldarrebaeis.com. We'll verify your identity and process your request promptly.
Data Security and Protection
Financial data requires serious protection. Here's what we do to keep your information secure.
Technical Security Measures
- Encryption: All data is encrypted both in transit and at rest using industry-standard protocols
- Access Controls: Only authorised staff can access personal information, and all access is logged
- Regular Audits: We conduct security assessments and vulnerability testing quarterly
- Secure Infrastructure: Our servers are hosted in certified Australian data centres with physical security measures
- Backup Systems: Regular encrypted backups ensure your data isn't lost in case of technical issues
Organisational Safeguards
Our team receives regular privacy and security training. We maintain strict internal policies about data handling, and employees sign confidentiality agreements. Access to personal information is limited to staff who genuinely need it for their roles.
What You Can Do
Use a strong, unique password for your zamuldarrebaeis account. Enable two-factor authentication if available. Don't share your login credentials with anyone. Log out when using shared devices. Contact us immediately if you suspect unauthorised access to your account.
Data Retention
We don't keep your information forever. Different types of data have different retention periods based on legal requirements and business needs.
Retention Periods
- Active Accounts: We retain your data while your account remains active
- Closed Accounts: Most personal information is deleted within 90 days of account closure
- Financial Records: Transaction history may be retained for 7 years to comply with Australian tax and financial regulations
- Marketing Data: Contact preferences and communication history are kept until you opt out or close your account
- Legal Requirements: Some information may be retained longer if required by law or to resolve disputes
After retention periods expire, we securely delete or anonymise your information so it can no longer identify you.
Cookies and Tracking Technologies
Like most websites, we use cookies and similar technologies. These small files help our site function properly and improve your experience.
Types of Cookies We Use
- Essential Cookies: Required for basic site functionality, such as keeping you logged in
- Performance Cookies: Help us understand how visitors use our site so we can make improvements
- Preference Cookies: Remember your settings and choices for a better experience
- Analytics Cookies: Provide anonymous statistics about site usage and visitor behaviour
You can control cookies through your browser settings. Disabling certain cookies may affect site functionality. We don't use advertising cookies or sell cookie data to third parties.
Children's Privacy
zamuldarrebaeis's services are designed for adults managing household or business budgets. We don't knowingly collect personal information from children under 18. If we discover we've inadvertently collected such information, we'll delete it promptly.
Parents or guardians who believe we may have information about a child should contact us immediately at contact@zamuldarrebaeis.com.
Changes to This Policy
Privacy laws and our business practices change over time. We may update this policy to reflect those changes. When we make significant changes, we'll notify you by email or through a prominent notice on our website.
The effective date at the top of this policy shows when it was last updated. We encourage you to review this policy periodically to stay informed about how we protect your information.
Continued use of our services after policy changes constitutes acceptance of the updated terms. If you disagree with changes, you can close your account at any time.
Complaints and Disputes
If you have concerns about how we handle your personal information, we want to hear about it. Most issues can be resolved quickly through direct communication.
Internal Complaint Process
- Contact our privacy officer at contact@zamuldarrebaeis.com with details of your concern
- We'll acknowledge your complaint within 7 business days
- We'll investigate the matter and provide a written response within 30 days
- If you're not satisfied with our response, you can escalate to our senior management
External Resolution
If we can't resolve your concern to your satisfaction, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). The OAIC investigates complaints about privacy breaches under the Privacy Act 1988.
Contact the OAIC at: GPO Box 5218, Sydney NSW 2001 or visit www.oaic.gov.au.
Get in Touch About Privacy
Questions about this policy or your personal information?
Email: contact@zamuldarrebaeis.com
Phone: +61 3 9773 1011
Mail: 179 Heeb St, Molendinar QLD 4214, Australia
We aim to respond to all privacy inquiries within 5 business days.