Privacy Policy
How seraphinoxel protects and manages your personal information
Information We Collect
seraphinoxel collects personal information when you register for our budget categorization services, create an account, or interact with our platform. This includes your name, email address, financial transaction data you choose to categorize, and usage patterns within our application.
We also collect technical information automatically, including your IP address, browser type, device information, and how you navigate through our platform. This helps us improve our services and ensure platform security.
We never collect or store your actual bank account credentials. Our system only processes transaction data that you manually upload or connect through secure, read-only banking integrations.
How We Use Your Information
Your personal information helps us provide personalized budget categorization suggestions and improve our machine learning algorithms. We analyze spending patterns to offer better category recommendations, but this analysis is always conducted with your data encrypted and anonymized where possible.
- Providing budget categorization services and spending insights
- Sending account updates and important service notifications
- Improving our categorization algorithms and user experience
- Detecting and preventing fraudulent activity or security breaches
- Complying with Australian financial services regulations
Data Storage and Security
All personal and financial data is stored on secure servers located within Australia, ensuring compliance with Australian Privacy Principles and data sovereignty requirements. We use industry-standard encryption both in transit and at rest.
| Data Type | Storage Duration | Security Level |
|---|---|---|
| Account Information | Active account + 7 years | AES-256 Encryption |
| Transaction Data | Active account + 7 years | End-to-end Encryption |
| Usage Analytics | 2 years from collection | Anonymized Storage |
| Support Communications | 3 years from last contact | Secure Database |
We maintain comprehensive backup systems and disaster recovery procedures to protect your data against loss or corruption. Our security protocols are regularly audited by independent third parties.
Sharing and Disclosure
seraphinoxel does not sell, rent, or trade your personal information to third parties for marketing purposes. We only share your information in specific circumstances outlined below, and always in compliance with Australian privacy legislation.
We may share aggregated, anonymized data with research partners to improve financial wellness tools and budget categorization techniques. This data cannot be traced back to individual users and helps advance financial technology for everyone's benefit.
Legal disclosure may occur if required by Australian law, court order, or to protect seraphinoxel's rights and safety. We'll notify affected users unless prohibited by law or emergency circumstances.
Your Rights and Controls
Under Australian Privacy Act 1988, you have several rights regarding your personal information. You can access, correct, or request deletion of your data through your account settings or by contacting our privacy team.
- Request copies of all personal information we hold about you
- Correct inaccurate or outdated information in your account
- Delete your account and associated data (subject to legal retention requirements)
- Restrict how we process your information for marketing purposes
- Export your transaction categorization data in standard formats
- Lodge complaints with the Australian Privacy Commissioner if concerns arise
Data deletion requests are processed within 30 days, though some information may be retained longer to meet regulatory requirements for financial services providers.
Cookies and Tracking
Our platform uses essential cookies for authentication and session management. We also employ analytics cookies to understand how users interact with our categorization tools, helping us identify areas for improvement.
You can control cookie preferences through your browser settings, though disabling essential cookies may limit platform functionality. We don't use cookies for cross-site tracking or behavioral advertising.
International Data Transfers
seraphinoxel primarily operates within Australia and stores all user data locally. However, some cloud infrastructure providers and service partners may process data internationally under strict contractual protections.
Any international data processing complies with Australian privacy standards and includes appropriate safeguards such as standard contractual clauses and adequacy decisions where applicable.
Changes to This Policy
We review and update this privacy policy annually or when significant changes occur to our data processing practices. Users receive email notification of material changes at least 30 days before implementation.
Continued use of seraphinoxel's services after policy updates constitutes acceptance of the revised terms. Previous policy versions are archived and available upon request for reference purposes.
Privacy Questions or Concerns?
Phone: +61354416638
Mail: Privacy Officer, 45 Sunset Dr, Bundaberg QLD 4670, Australia
This privacy policy was last updated on March 15, 2025