Privacy Policy

farenquimolyth respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our annual budgeting services. We operate in accordance with the Australian Privacy Principles under the Privacy Act 1988 (Cth).

By using our services, you consent to the data practices described in this policy. We believe transparency is essential, and we've structured this document to provide clear information about our privacy practices.

We collect several types of information from and about users of our services:

Your personal information is used for legitimate business purposes that directly relate to our annual budgeting services:

• Providing personalized budgeting tools and financial planning recommendations
• Processing your registration and managing your account
• Communicating with you about our services, updates, and relevant financial information
• Improving our website functionality and user experience
• Conducting research and analysis to enhance our budgeting methodologies
• Complying with legal obligations and regulatory requirements
• Preventing fraud and maintaining the security of our systems

We only use your information for purposes that are reasonably necessary for our business functions or as required by law. We do not sell personal information to third parties for marketing purposes.

We may share your personal information in the following circumstances:

• Service Providers: With trusted third-party vendors who assist in operating our website, conducting business, or providing services to you, provided they agree to keep information confidential
• Legal Requirements: When required by law, court order, or government regulation
• Business Protection: To protect our rights, property, or safety, or that of our users or others
• Business Transfers: In connection with any merger, acquisition, or sale of company assets

We do not share your personal financial data with marketing companies or use it for advertising purposes outside of our own service communications.

Under Australian privacy law, you have several rights regarding your personal information:

To exercise these rights, contact our Privacy Officer using the details provided below. We will respond to your request within 30 days and may need to verify your identity before proceeding.

We implement comprehensive security measures to protect your personal information:

• SSL encryption for data transmission between your browser and our servers
• Secure servers with restricted access and regular security monitoring
• Regular security audits and vulnerability assessments
• Employee training on privacy and security best practices
• Multi-factor authentication for administrative access
• Regular backup procedures with encrypted storage

While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We continuously review and update our security practices to maintain the highest level of protection possible.

We retain personal information only for as long as necessary to fulfill the purposes outlined in this policy:

• Account Information: Retained while your account is active and for 7 years after closure for legal compliance
• Financial Data: Retained for 7 years in accordance with Australian financial record-keeping requirements
• Communication Records: Retained for 3 years for customer service and legal purposes
• Website Analytics: Anonymized after 26 months in accordance with our analytics provider's policies

When personal information is no longer required, we securely delete or anonymize it. You can request early deletion of your information, subject to our legal and regulatory obligations.

Our website uses cookies and similar technologies to enhance your experience and analyze website usage:

• Essential Cookies: Required for website functionality and security
• Analytics Cookies: Help us understand how visitors interact with our website
• Preference Cookies: Remember your settings and preferences

You can control cookie settings through your browser, but disabling certain cookies may limit website functionality. We do not use tracking technologies for targeted advertising purposes.

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. When we make changes:

• We will post the updated policy on our website with a new effective date
• Significant changes will be communicated via email to registered users
• We will provide a summary of key changes when updates are made

We encourage you to review this policy periodically to stay informed about how we protect your information. Continued use of our services after policy updates constitutes acceptance of the changes.