Information We Collect

When you use nivarasoloria's services, we collect information that helps us provide better budgeting solutions. Here's what we gather and why:

We only collect what's necessary to deliver our budgeting services effectively. You're never required to provide more information than needed for the specific service you're requesting.

How We Use Your Information

Your data helps us create a better experience for Australian entrepreneurs. We use the information we collect to:

• Provide personalized budgeting recommendations based on your business structure and financial goals
• Send important updates about our services, including new features that might help your business
• Respond to your inquiries and provide customer support when you need assistance
• Analyze usage patterns to improve our platform and develop features that entrepreneurs actually want
• Detect and prevent fraud or unauthorized access to protect both you and our community
• Comply with Australian financial regulations and legal requirements under the Privacy Act 1988

Data Protection and Security

Protecting your information is one of our top priorities. We implement multiple layers of security to keep your data safe:

Technical Safeguards

All data transmitted between your device and our servers uses industry-standard encryption protocols. We store your information on secure servers located in Australia, with regular security audits and penetration testing to identify potential vulnerabilities.

Access Controls

Only authorized nivarasoloria staff members who need access to perform their duties can view your personal information. We use multi-factor authentication and strict access logging to monitor who accesses what data and when.

Data Breach Response

In the unlikely event of a data breach that affects your information, we'll notify you within 72 hours as required by Australian privacy law. We'll explain what happened, what data was involved, and what steps we're taking to address the situation.

Your Privacy Rights

Under Australian privacy legislation, you have specific rights regarding your personal information. Here's what you can do:

To exercise any of these rights, contact us using the details at the bottom of this page. We'll respond to your request within 30 days and may ask for identification to verify your identity before proceeding.

Information Sharing

We share your information only in specific circumstances and always with appropriate safeguards:

Service Providers

We work with trusted third-party providers who help us deliver our services, such as cloud hosting companies and payment processors. These providers are contractually obligated to protect your data and can only use it for the specific purposes we authorize.

Legal Requirements

We may disclose your information if required by Australian law, court order, or government regulation. This includes compliance with tax authorities and financial regulators when legally obligated.

Business Transfers

If nivarasoloria is acquired or merged with another company, your information may be transferred to the new entity. We'll notify you before this happens and explain any changes to how your data will be handled.

Data Retention

We retain your information for as long as you maintain an active account with nivarasoloria. After you close your account, we keep certain data for specific periods:

• Financial transaction records are retained for seven years to comply with Australian tax law requirements
• Communication records are kept for three years to handle potential disputes or inquiries
• Basic account information is retained for two years after closure to prevent fraud and assist with any follow-up questions
• Anonymized usage data may be retained indefinitely for statistical analysis and service improvement

Once the retention period expires, we securely delete or anonymize your information so it can no longer identify you personally.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience. Here's what we use:

Essential Cookies

These are necessary for the website to function properly. They enable basic features like page navigation and secure area access. You can't opt out of these without affecting how the site works.

Analytics Cookies

We use analytics tools to understand how visitors interact with our site. This helps us identify which features are most useful and where we can make improvements. The data collected is aggregated and doesn't personally identify you.

Preference Cookies

These remember your choices and settings to provide a more personalized experience on return visits. They don't track your browsing on other websites.

You can manage cookie preferences through your browser settings. Keep in mind that blocking certain cookies may affect your ability to use some features of our platform.

International Data Transfers

Your data is primarily stored on servers located within Australia. However, some of our service providers operate in other countries, which means your information may occasionally be transferred internationally.

When we transfer data outside Australia, we ensure appropriate safeguards are in place through standard contractual clauses and adequacy decisions recognized under Australian privacy law. These measures provide equivalent protection to what you'd receive domestically.

Children's Privacy

nivarasoloria's services are designed for business owners and entrepreneurs. We don't knowingly collect personal information from individuals under 18 years old. If you're a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete it.

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 or through a prominent notice on our website at least 30 days before the new policy takes effect.

We encourage you to review this policy periodically to stay informed about how we're protecting your information. The effective date at the top shows when the policy was last updated.