Privacy Policy

Your privacy matters to us at harmonexalvia

Effective Date: February 1, 2025

Information We Collect

At harmonexalvia, we collect various types of information to provide you with our budget preparation services and improve your financial planning experience. Understanding what we collect helps you make informed decisions about your personal data.

Personal Information

When you create an account or use our services, we collect information such as your name, email address, phone number, and postal address. We also gather financial information relevant to budget planning, including income ranges, expense categories, and financial goals you wish to track.

Usage Data

We automatically collect information about how you interact with our platform, including pages visited, features used, time spent on different sections, and your navigation patterns. This helps us understand which tools are most valuable for budget planning.

Device Information

Technical information about your device, browser type, IP address, and operating system is collected to ensure our platform works smoothly across different technologies and to maintain security standards.

How We Use Your Information

Your information serves several important purposes that directly benefit your experience with harmonexalvia's budget preparation tools and services.

Service Delivery

We use your data to provide personalized budget recommendations, track your financial progress, and deliver the specific features you've requested from our platform.

Communication

Your contact information allows us to send important updates about your account, respond to your inquiries, and share relevant financial planning tips and resources.

Platform Improvement

Usage patterns help us identify which features are most helpful, where users encounter difficulties, and how we can enhance the overall budget planning experience.

Security Monitoring

We analyze access patterns and technical data to detect unusual activity, prevent unauthorized access, and maintain the security of your financial information.

Information Sharing and Disclosure

We believe in transparency about when and why we might share your information. harmonexalvia maintains strict policies about data sharing and only does so in specific, limited circumstances.

Service Providers: We work with trusted third-party companies that help us operate our platform, such as cloud hosting services, payment processors, and customer support tools. These partners are bound by strict confidentiality agreements.
Legal Requirements: If required by Australian law or court orders, we may disclose information to comply with legal obligations, protect our rights, or ensure user safety.
Business Transfers: In the event of a merger, acquisition, or sale of assets, user information may be transferred as part of that transaction, with continued protection under this privacy policy.
Anonymized Data: We may share aggregated, anonymized information that cannot identify individual users for research, marketing, or industry analysis purposes.

Important Note

We never sell your personal information to marketers, advertisers, or other third parties for their direct use. Your financial data remains confidential and is only used to improve your budget planning experience.

Your Rights and Choices

Under Australian Privacy Principles and the Privacy Act 1988, you have several important rights regarding your personal information. We've designed our systems to make exercising these rights straightforward and accessible.

Right	Description	How to Exercise
Access	Request a copy of the personal information we hold about you	Contact us via email or through your account settings
Correction	Ask us to correct inaccurate or outdated information	Update directly in your account or request assistance
Deletion	Request removal of your personal information from our systems	Submit a deletion request through our privacy contact
Portability	Receive your data in a structured, machine-readable format	Request data export through your account dashboard

When you contact us about your privacy rights, we'll verify your identity to protect your information and respond within 30 days. Some requests may take longer if they're particularly complex, but we'll keep you informed throughout the process.

Data Security and Protection

Protecting your financial information is one of our highest priorities. We employ multiple layers of security measures designed to safeguard your data from unauthorized access, alteration, or disclosure.

Technical Safeguards

All data transmission occurs through encrypted connections using industry-standard SSL/TLS protocols. Your information is stored on secure servers with access controls, regular security updates, and monitoring systems that detect unusual activity patterns.

Operational Security

Our team follows strict security protocols including background checks, regular training on privacy practices, and limited access to personal information based on job responsibilities. We conduct regular security audits and vulnerability assessments.

Incident Response

In the unlikely event of a data breach, we have established procedures to quickly identify, contain, and assess the situation. We'll notify affected users and relevant authorities as required by Australian privacy laws, typically within 72 hours of discovery.

Data Retention and Deletion

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

Account Information: Maintained while your account is active, plus seven years after closure for financial record-keeping requirements.
Budget Data: Retained for the duration of your account activity, with options for you to delete specific entries at any time through your dashboard.
Communication Records: Customer service interactions are kept for three years to help resolve future inquiries and improve our support quality.
Technical Logs: Server logs and usage data are typically retained for 12 months for security monitoring and platform optimization purposes.

When retention periods expire, we securely delete information using industry-standard data destruction methods. You can also request earlier deletion of your data, though some information may need to be retained to comply with Australian financial services regulations.

Cookies and Tracking Technologies

Like most web platforms, harmonexalvia uses cookies and similar technologies to enhance your browsing experience, remember your preferences, and analyze how our services are used. Understanding these technologies helps you make informed choices about your online experience.

Essential Cookies

These cookies are necessary for our platform to function properly. They remember your login status, security tokens, and basic preferences that allow you to navigate between pages without losing your session information.

Analytics Cookies

We use analytics tools to understand how users interact with our budget planning features. This information helps us identify which tools are most valuable and where we can improve the user experience. All analytics data is aggregated and anonymized.

Preference Cookies

These remember your personal settings, such as dashboard layout preferences, notification settings, and display options. They make your experience more personalized and efficient by avoiding the need to reconfigure settings each visit.

You can control cookie settings through your browser preferences, though disabling certain cookies may affect platform functionality. We provide clear options in your account settings to manage preferences for non-essential cookies.

International Data Transfers

While harmonexalvia primarily operates within Australia, some of our service providers and technical infrastructure may be located in other countries. When your information is transferred internationally, we ensure it receives appropriate protection through several mechanisms.

We work with service providers in countries that have been recognized by the Australian Privacy Commissioner as having adequate privacy protections, including New Zealand, the European Union member states, and Canada. For transfers to other countries, we implement additional safeguards such as contractual clauses that require the same level of protection as Australian privacy law.

Your Control

If you prefer your data to remain within Australia, please contact us to discuss available options. While this may limit some features, we're committed to accommodating your privacy preferences where technically feasible.

Changes to This Privacy Policy

As our services evolve and privacy regulations develop, we may need to update this privacy policy. We believe in transparency about these changes and will always notify you before implementing significant modifications that affect how we handle your personal information.

When we make changes, we'll update the effective date at the top of this policy and provide notice through email and prominent notifications within your account dashboard. For major changes that substantially alter your rights or how we use your information, we'll provide at least 30 days advance notice and may require your renewed consent.

We encourage you to review this privacy policy periodically to stay informed about how we protect your information. Your continued use of harmonexalvia's services after policy updates indicates your acceptance of the revised terms.

Privacy Questions and Contact Information

If you have questions about this privacy policy, want to exercise your privacy rights, or need assistance with your account privacy settings, we're here to help.

Privacy Officer
harmonexalvia Financial Services
601 Bourke St, Melbourne VIC 3000
Australia

Email: info@harmonexalvia.com
Phone: +61 414 510 416

We aim to respond to all privacy inquiries within 5 business days and will work with you to address any concerns about how your information is handled.