Privacy Policy

We only gather what's needed to make our budgeting service work effectively for Australian families. Here's what that looks like in practice:

When you create an account, we collect your name, email address, and a secure password. We also ask for your household size and general location (suburb or postcode) to provide relevant budgeting benchmarks for your area.

You enter budget categories, income amounts, and spending patterns. We don't connect to your bank accounts directly—you're in control of what information you share. This data stays encrypted and is only used to generate your personal budget insights.

We track how you interact with our platform: which features you use most, where you might get stuck, and what helps you succeed. This helps us improve the service. We also collect device type, browser, and IP address for security purposes.

Your data serves specific purposes. We're not in the business of selling information or bombarding you with marketing. Here's what we actually do:

• Provide personalized budget recommendations based on your household circumstances
• Send important notifications about your budget goals and milestones
• Improve our platform by analyzing how families use different features
• Respond to your questions and provide technical support
• Ensure platform security and prevent fraudulent activity
• Comply with Australian tax and financial reporting obligations when required

We use industry-standard encryption both when data travels to our servers and while it's stored. Our systems are hosted in Australian data centres that meet ISO 27001 standards.

Access to your information is limited to staff members who need it to do their jobs. We conduct regular security audits and maintain detailed access logs. Two-factor authentication is available (and strongly recommended) for all accounts.

That said, no system is completely invulnerable. If we experience a data breach that affects your information, we'll notify you within 72 hours and explain what happened, what was compromised, and what steps we're taking.

We don't sell your data. Period. But there are limited circumstances where we share information:

We work with carefully vetted partners who help us run the platform—email delivery services, cloud hosting providers, and analytics tools. These companies can only use your data for the specific services they provide to us, and they're bound by strict confidentiality agreements.

If Australian law enforcement or regulatory bodies request information through proper legal channels, we're obligated to comply. We'll push back on overly broad requests and notify you unless legally prohibited from doing so.

If talirynthos is acquired or merges with another company, your data would transfer to the new entity. You'd be notified in advance, and if the new privacy terms differ materially, you'd have the option to delete your account.

The Privacy Act 1988 and Australian Privacy Principles give you significant control over your personal information. Here's what you can do:

You can request a complete copy of the information we hold about you. We'll provide this within 30 days in a commonly used format (usually CSV or PDF). There's no charge unless your request is unreasonably repetitive.

Most account information you can update yourself through your settings. For other corrections, contact us and we'll make changes within 14 days after verifying your identity.

You can close your account anytime. We'll delete your personal information within 30 days, though we may retain aggregated anonymized data for analytical purposes. Some records might be kept longer if required by Australian financial regulations.

If you disagree with how we're using your data, you can object. We'll review your concern and either stop the processing or explain why we believe it's necessary and lawful.

Our service is designed for adults managing household budgets. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it.

Parents sometimes create family accounts where multiple household members view budget information. If minors in your household access the account, you're responsible for their use and any information they might enter.

We use cookies—small files stored on your device—to keep you logged in and remember your preferences. Here's the breakdown:

These make the site work. They handle your login session, security features, and basic functionality. You can't opt out of these without breaking the service.

We track which features get used and where people encounter problems. This data is anonymized and helps us improve the platform. You can disable these in your account settings.

These remember settings like your preferred currency display format or which budget categories you view first. They're optional but make for a smoother experience.

We don't use advertising cookies or allow third-party advertisers to track you on our platform. Most browsers let you control cookie settings—check your browser's help section for instructions.

We keep your information only as long as necessary. Active accounts maintain their data indefinitely so you have continuous access to your budget history. Once you close your account, here's what happens:

• Personal identifiers (name, email) are deleted within 30 days
• Financial data is anonymized and may be retained for up to 24 months for service improvement
• Support communications are kept for 36 months to maintain service quality records
• Backup systems are purged on a 90-day rolling basis, so deleted data might persist in backups temporarily

Australian tax laws require us to maintain certain financial records for seven years. If your usage falls under these requirements, we'll explain that clearly and retain only what's legally mandated.

Your data is primarily stored in Australian data centres. Some service providers we use (like email delivery systems) may process data outside Australia. When this happens, we ensure these providers meet Australian privacy standards through contractual obligations.

If you access our service while traveling overseas, your data may route through international networks, but it remains encrypted during transmission.

We update this policy occasionally to reflect new features, legal requirements, or changes in our practices. When we make significant changes, we'll email you at least 30 days before they take effect.

Minor clarifications or additions that don't affect your rights might be updated without notice—we'll always note the revision date at the top of this document. Checking back every few months is a good habit if you're privacy-conscious.