1. Information We Collect

Personal Information You Provide

When you sign up for our services or contact us, we collect details like your name, email, phone number, and address. For our budget planning tools to work properly, we also need information about your financial situation — income, expenses, financial goals, that sort of thing.

Automatically Collected Information

Our website collects technical information automatically — things like your IP address, browser type, pages you visit, and how long you spend on them. This helps us spot technical issues and understand which features people actually use versus which ones get ignored.

We use cookies for this. You can disable them in your browser, though some site features might not work as smoothly.

2. How We Use Your Information

We use your data to provide the services you've asked for. Pretty straightforward. Beyond that:

• We create personalized budget plans based on your financial information
• We send service updates, educational content, and occasional tips (you can opt out anytime)
• We analyze usage patterns to improve our tools and fix problems
• We respond to your support requests and questions
• We comply with Australian financial regulations and legal requirements

3. Data Storage and Security

Your data lives on secure servers in Australia, which keeps it under Australian Privacy Principles (APPs) jurisdiction. We use industry-standard encryption both when data travels between your device and our servers, and when it's sitting in our database.

Security Measures

Our security setup includes encrypted data transmission, secure server infrastructure, regular security audits, access controls (only authorized staff can view your data), and automated backup systems. We review and update these measures regularly because security threats evolve.

That said — and I think this matters — no system is completely bulletproof. We do everything we reasonably can, but absolute security doesn't exist online. If we ever experience a data breach that affects your information, we'll notify you and the relevant authorities as required by Australian law.

4. Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do and how to actually do it:

To exercise any of these rights, email us at info@theraqionv.com with your request. We'll verify your identity (to protect your information) and respond within the timeframes required by law.

5. Third-Party Services

We work with a small number of third-party services to deliver our platform. These include hosting providers, email services, and analytics tools. Each has access only to the specific information they need to do their job.

All our third-party partners are bound by confidentiality agreements and must handle your data according to Australian privacy standards. We vet them carefully before working together and review these relationships regularly.

6. Data Retention

We keep your information for as long as your account is active plus seven years after closure. The seven-year period aligns with Australian tax and financial record-keeping requirements.

After this period, we permanently delete your personal data unless there's a specific legal reason to keep it longer (like an ongoing dispute or investigation). Usage analytics and aggregated data — stripped of personal identifiers — we may keep indefinitely for service improvement.

7. Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect information from children. If you're a parent and believe your child has provided us with personal information, contact us and we'll delete it promptly.

8. Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and post a notice on our website at least 30 days before the changes take effect.

The "Last Updated" date at the top shows when we last revised this policy. Continuing to use our services after changes take effect means you accept the updated terms.

9. Australian Privacy Principles Compliance

theraqionv complies with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988. These principles govern how we collect, use, store, and disclose personal information, and how you can access and correct your information.

If you have concerns about our privacy practices, you can contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or call 1300 363 992.