Privacy Policy
Your privacy matters to us. We're committed to protecting your personal information and being transparent about how we collect, use, and safeguard your data.
Introduction and Overview
dexivora operates under Australian privacy laws and maintains strict standards for data protection. This privacy policy explains how we handle your personal information when you use our budget prioritization services and educational resources.
We believe financial planning should be accessible and transparent — and that includes being clear about our data practices. This policy covers all interactions with our platform, from browsing our educational content to using our budget analysis tools.
Last updated: January 2025
Effective date: January 1, 2025
Information We Collect
We collect different types of information to provide you with effective budget prioritization services and personalized financial guidance.
Personal Information
Name, email address, phone number, and postal address when you register for our services or contact us directly.
Financial Data
Income details, expense categories, financial goals, and budget preferences you share for personalized recommendations.
Usage Information
How you interact with our platform, including pages visited, features used, and time spent on different sections.
Technical Data
IP address, browser type, device information, and cookies that help us improve your experience and site performance.
How We Collect Information
- Directly from you when you create an account, use our budget tools, or contact us
- Automatically through your use of our website and services
- From third-party services you choose to connect (with your explicit consent)
- Through cookies and similar tracking technologies
How We Use Your Information
Your information helps us deliver better budget prioritization services and educational resources. Here's specifically how we use different types of data:
Service Delivery
We use your financial information to create personalized budget recommendations, track your progress toward financial goals, and provide relevant educational content that matches your situation.
Communication
We'll send you account updates, educational newsletters (if you subscribe), and respond to your questions. You can opt out of marketing emails at any time.
Platform Improvement
Usage data helps us understand which features are most valuable and where we can make improvements. We analyze patterns to enhance our budget prioritization algorithms.
Security and Fraud Prevention
Technical data helps us protect your account, detect suspicious activity, and maintain the security of our platform.
Information Sharing and Disclosure
We don't sell your personal information to third parties. Period. However, we may share information in specific circumstances:
Service Providers
We work with trusted third-party providers for hosting, analytics, and email services. These partners can only use your information to provide services to us and are bound by strict confidentiality agreements.
Legal Requirements
We may disclose information if required by Australian law, court orders, or to protect the rights and safety of our users and company.
Business Transfers
In the event of a merger or acquisition, user information may be transferred as part of business assets, but the same privacy protections would continue to apply.
With Your Consent
We may share information for other purposes with your explicit consent, such as connecting with financial institutions you choose to link.
Your Privacy Rights
Under Australian privacy laws, you have significant control over your personal information. Here are your rights and how to exercise them:
Your Rights Under Australian Privacy Law
Access Your Data
Request a copy of all personal information we hold about you, including how it's being used.
Correct Information
Update or correct any inaccurate or incomplete personal information in your account.
Delete Your Data
Request deletion of your personal information, subject to legal retention requirements.
Restrict Processing
Limit how we use your information while maintaining your account access.
Data Portability
Receive your personal information in a structured format to transfer to another service.
Withdraw Consent
Opt out of marketing communications and revoke consent for optional data processing.
How to Exercise Your Rights
To exercise any of these rights, contact us at contact@dexivora.com or call +61889416062. We'll respond within 30 days and verify your identity before processing requests that involve sensitive information.
Data Security and Protection
Protecting your financial information is our top priority. We implement multiple layers of security to safeguard your data:
Our Security Framework
Encryption
All data is encrypted in transit and at rest using industry-standard protocols.
Access Controls
Strict employee access limits with multi-factor authentication and regular audits.
Monitoring
24/7 security monitoring and automated threat detection systems.
Secure Infrastructure
Australian-based cloud hosting with regular security assessments and updates.
We also maintain cyber security insurance and conduct regular penetration testing to identify and address potential vulnerabilities.
Data Retention and Deletion
We keep your information only as long as necessary to provide services and comply with legal requirements. Here's our retention approach:
Active Account Data
Personal and financial information is retained while your account is active and for 7 years after closure for tax and legal compliance.
Communication Records
Email correspondence and support tickets are kept for 3 years to help resolve any follow-up questions.
Usage Analytics
Aggregated, anonymized usage data may be retained indefinitely for service improvement and research.
Marketing Data
Newsletter subscriptions and marketing preferences are deleted immediately when you unsubscribe.
Automated Deletion
We use automated systems to delete information that has reached its retention limit. You can also request immediate deletion of your account and associated data, subject to our legal obligations.
Cookies and Tracking
We use cookies and similar technologies to improve your experience and understand how our services are used. You have control over these preferences.
Types of Cookies We Use
- Essential Cookies: Required for basic site functionality, login, and security features
- Analytics Cookies: Help us understand site usage and identify areas for improvement
- Preference Cookies: Remember your settings and customize your experience
- Marketing Cookies: Used to deliver relevant content and measure campaign effectiveness
Managing Cookie Preferences
You can control cookies through your browser settings or our cookie preference center. Note that disabling certain cookies may limit some site functionality.
International Data Transfers
While dexivora operates primarily in Australia, some of our service providers may process data internationally. When this occurs:
- We ensure adequate protection through contractual safeguards and security measures
- Data transfers comply with Australian Privacy Principles and international standards
- We maintain the same level of protection regardless of where data is processed
- You can request information about specific international transfers affecting your data
Children's Privacy
Our services are designed for adults managing their finances. We don't knowingly collect personal information from children under 13. If we discover that we've collected information from a child, we'll delete it immediately and take steps to prevent future collection.
Parents who believe their child has provided information to us can contact us at contact@dexivora.com for immediate assistance.
Changes to This Policy
We update this privacy policy periodically to reflect changes in our services, technology, or legal requirements. When we make significant changes:
- We'll notify active users by email at least 30 days before changes take effect
- We'll post a prominent notice on our website
- For material changes affecting how we use your data, we may request renewed consent
- Previous versions will be archived and available upon request
Continued use of our services after policy updates constitutes acceptance of the changes.
Complaints and Disputes
If you have concerns about how we handle your personal information, please contact us first. We're committed to resolving privacy issues quickly and fairly.
Our Complaint Process
- Contact our privacy officer at contact@dexivora.com with details of your concern
- We'll acknowledge your complaint within 5 business days
- We'll investigate and respond with our findings within 30 days
- If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC)
Questions About Your Privacy?
Our privacy team is here to help. Whether you want to exercise your rights, understand our practices, or raise concerns, we're ready to assist.