Privacy Policy
Your privacy matters to us. Here's how we protect and handle your personal information.
Last Updated: January 15, 2025
Information We Collect
At gerimaluxivon, we collect information that helps us provide better budgeting services and financial guidance. We're transparent about what we gather and why we need it.
Personal Information
When you create an account or use our services, we collect basic details like your name, email address, and contact information. This helps us personalize your budgeting experience and communicate important updates.
Account Data
Name, email, phone number, and account preferences
Financial Information
Budget categories, spending patterns, and financial goals you share with us
Usage Data
How you interact with our platform, features you use most, and session information
Automatically Collected Information
Like most websites, we automatically collect certain technical information when you visit us. This includes your IP address, browser type, and device information. We use this data to improve our service and ensure everything works smoothly for you.
How We Use Your Information
We use your information to provide the smart budgeting tools and financial guidance you expect from gerimaluxivon. Every piece of data serves a specific purpose in making your financial journey easier.
- Providing personalized budgeting recommendations based on your spending patterns
- Sending you important account updates and security notifications
- Improving our platform based on how users interact with different features
- Offering customer support when you need help with your account
- Ensuring the security and integrity of our services
- Complying with Australian privacy laws and financial regulations
Important: We never sell your personal information to third parties. Your financial data stays private and is only used to enhance your experience with gerimaluxivon.
Information Sharing and Disclosure
We keep your information private and only share it in very specific circumstances. Here's when and why we might share your data:
Service Providers
We work with trusted third-party companies to help run our platform — things like hosting our servers, sending emails, and processing payments. These companies can only access the minimum information needed to do their job, and they're bound by strict confidentiality agreements.
Legal Requirements
Sometimes we're legally required to share information — for example, if we receive a valid court order or need to comply with Australian financial regulations. We'll always review such requests carefully and only share what's absolutely necessary.
Business Transfers
If gerimaluxivon is ever sold or merged with another company, your information would be transferred as part of that transaction. We'd notify you beforehand and ensure your privacy rights remain protected under the new ownership.
Data Security and Protection
Protecting your financial information is our top priority. We use industry-standard security measures to keep your data safe from unauthorized access, theft, or misuse.
Technical Safeguards
All data transmission between your device and our servers is encrypted using SSL/TLS technology. Your personal information is stored in secure databases with multiple layers of protection, including firewalls and access controls.
Access Controls
Only authorized gerimaluxivon employees who need access to perform their job duties can view your personal information. All staff members undergo security training and are bound by confidentiality agreements.
Regular Security Audits
We regularly test and update our security systems to protect against new threats. This includes vulnerability assessments, penetration testing, and compliance reviews to ensure we meet Australian privacy standards.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information. We make it easy for you to exercise these rights whenever you need to.
Access Your Data
You can request a copy of all personal information we hold about you. We'll provide this within 30 days at no cost.
Correct Inaccuracies
If any of your personal information is incorrect or outdated, you can ask us to fix it. Most corrections can be made instantly through your account settings.
Delete Your Account
You can request deletion of your account and associated data at any time. We'll remove your information within 30 days, except where required by law to retain it.
Data Portability
You can download your data in a standard format if you want to transfer it to another service provider.
Restrict Processing
You can ask us to limit how we use your information in certain circumstances, such as while we're investigating a privacy concern.
Object to Processing
You can object to certain types of data processing, particularly for marketing purposes or automated decision-making.
How to Exercise Your Rights
To exercise any of these rights, simply email our privacy team at support@gerimaluxivon.com with your request. We'll verify your identity and respond within the timeframes required by Australian law. There's no fee for most requests, though we may charge a reasonable fee for excessive or repetitive requests.
Data Retention and Deletion
We only keep your personal information for as long as necessary to provide our services and comply with legal requirements. Here's how long we typically retain different types of data:
- Account information: Until you delete your account, plus 7 years for financial records as required by Australian law
- Budget and transaction data: While your account is active, plus 3 years after account closure
- Communication records: 3 years after the last contact for customer service purposes
- Website usage data: Aggregated data may be kept indefinitely, but individual user data is deleted after 2 years
- Marketing data: Until you unsubscribe or withdraw consent, plus 1 year for record-keeping
Automatic Deletion
Our systems automatically delete personal information when retention periods expire. You'll receive notifications before any major data deletions occur, giving you the opportunity to download or backup important information.
Cookies and Tracking
We use cookies and similar technologies to make gerimaluxivon work better for you. These small files help us remember your preferences and provide a more personalized experience.
Types of Cookies We Use
- Essential cookies: Required for basic website functionality like login and security
- Performance cookies: Help us understand how you use the site so we can improve it
- Functionality cookies: Remember your preferences and settings
- Analytics cookies: Provide insights into user behavior and popular features
Managing Cookies
You can control cookies through your browser settings. However, disabling certain cookies may affect how well gerimaluxivon works for you. We don't use cookies for targeted advertising or sell cookie data to third parties.
International Data Transfers
While gerimaluxivon operates primarily in Australia, some of our service providers are located overseas. When we transfer your personal information internationally, we ensure it receives the same level of protection as it would in Australia.
Safeguards for International Transfers
We only work with overseas providers who meet strict privacy and security standards. This includes contractual protections, compliance certifications, and regular audits to ensure your data remains secure regardless of where it's processed.
Countries We Work With
Our main service providers are located in Australia, the United States, and the European Union — all jurisdictions with strong privacy laws and protections.
Children's Privacy
gerimaluxivon's budgeting services are designed for adults who can make independent financial decisions. We don't knowingly collect personal information from children under 18 without parental consent.
If We Discover Child Data
If we become aware that we've collected personal information from a child without appropriate consent, we'll delete that information promptly. Parents or guardians can contact us if they believe their child has provided personal information through our platform.
Changes to This Policy
We may update this privacy policy from time to time to reflect changes in our services, legal requirements, or privacy practices. When we make significant changes, we'll notify you through your registered email address and update the "Last Updated" date at the top of this page.
How We Notify You
For major changes that affect how we handle your personal information, we'll send you an email notification at least 30 days before the changes take effect. This gives you time to review the updates and make any necessary decisions about your account.
Your Options
If you disagree with changes to our privacy policy, you can close your account before the changes take effect. We'll process your data according to the previous policy until your account is fully closed.
Privacy Questions?
Have questions about this privacy policy or how we handle your data? We're here to help.
Email: support@gerimaluxivon.com
Address: Level 1/46 O'Connell St, North Adelaide SA 5006, Australia
Phone: +61 2 4229 2686
Our privacy team typically responds to inquiries within 2 business days.