Privacy Policy

How kentarovix protects and manages your personal information

Last Updated: March 15, 2025

1 Introduction and Overview

At kentarovix, we understand that managing your personal budget requires trust. When you share financial information with us for budget categorization services, you deserve complete transparency about how we handle that data.

This privacy policy explains our practices regarding the collection, use, storage, and protection of your personal information. We're committed to maintaining your privacy while providing effective budget management tools.

kentarovix operates under Australian privacy law, specifically the Privacy Act 1988 and the Australian Privacy Principles (APPs). Our practices align with these requirements to ensure your rights are protected.

2 Information We Collect

Personal Information

We collect information that helps us provide budget categorization services:

  • Your name and contact details (email address, phone number)
  • Financial account information you choose to connect
  • Transaction data for categorization purposes
  • Budget preferences and financial goals you set
  • Payment information for our services

Technical Information

Our systems automatically collect certain technical data:

  • Device information and browser type
  • IP address and general location data
  • How you interact with our budget categorization features
  • Error logs and performance data

Important: We never store your actual bank login credentials. We use secure, read-only connections through regulated financial data providers.

3 How We Use Your Information

Your information serves specific purposes related to budget management:

Purpose Information Used
Budget categorization Transaction data, spending patterns
Account management Contact details, preferences
Customer support Contact info, account data, issue details
Service improvement Usage patterns, feedback
Legal compliance All data as required by law

We don't use your financial information for marketing purposes or sell it to third parties. Our focus remains on helping you understand your spending patterns better.

4 Data Sharing and Disclosure

Service Providers

We work with carefully selected partners who help deliver our budget categorization services:

  • Financial data aggregators (for secure account connections)
  • Cloud hosting providers (for data storage and processing)
  • Payment processors (for billing)
  • Analytics services (for service improvement)

Legal Requirements

We may disclose information when legally required:

  • Court orders or legal processes
  • Regulatory investigations
  • Fraud prevention and detection
  • Protection of our rights or others' safety

We never: Sell your personal information, share it for marketing purposes, or provide it to unauthorized parties.

5 Data Security Measures

Protecting your financial information requires multiple layers of security:

Technical Safeguards

  • 256-bit SSL encryption for all data transmission
  • AES-256 encryption for stored data
  • Regular security audits and penetration testing
  • Multi-factor authentication for account access
  • Automated threat detection and response

Operational Security

  • Background checks for all staff with data access
  • Principle of least privilege for system access
  • Regular security training for team members
  • Incident response procedures

While we implement strong security measures, no system is completely foolproof. We encourage you to use unique passwords and monitor your accounts regularly.

6 Your Privacy Rights

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

Access and Correction

You can request access to your personal information and ask us to correct any inaccuracies. Most information is available through your account dashboard, but you can contact us for comprehensive reports.

Data Deletion

You can request deletion of your personal information. We'll comply within 30 days, except where we're required to retain certain records for legal or regulatory purposes.

Data Portability

You can request a copy of your data in a machine-readable format. This includes your transaction categorizations, budget settings, and historical data.

To exercise these rights: Email us at support@kentarovix.com with your request and account verification details. We'll respond within 30 days.

7 Data Retention and Deletion

We retain your information only as long as necessary for providing services and meeting legal obligations:

Data Type Retention Period
Transaction data 7 years (for financial records compliance)
Account information Until account closure + 2 years
Usage logs 2 years
Support communications 3 years
Marketing preferences Until withdrawn or account closure

When retention periods expire, we securely delete information using industry-standard data destruction methods.

8 International Data Transfers

kentarovix primarily operates within Australia, but some data processing occurs internationally:

Cloud Services

We use cloud infrastructure with data centers in Australia and Singapore. All transfers comply with Australian privacy law requirements and include appropriate safeguards.

Service Providers

Some service providers may process data outside Australia. When this occurs, we ensure:

  • The recipient country has adequate privacy protections
  • Contractual safeguards are in place
  • Data is encrypted during transfer and storage
  • Access is limited to necessary personnel

9 Cookies and Tracking

Our website uses cookies and similar technologies to improve your experience:

Essential Cookies

These cookies are necessary for our budget categorization service to function properly. They include session management, security features, and core functionality.

Analytics Cookies

We use analytics cookies to understand how you interact with our service. This helps us improve the budget categorization experience and identify technical issues.

You can control cookie preferences through your browser settings. However, disabling essential cookies may affect service functionality.

10 Updates to This Policy

We review and update this privacy policy regularly to reflect changes in our practices or legal requirements. When we make significant changes:

  • We'll email you about important updates
  • Post notifications in your account dashboard
  • Update the "Last Updated" date at the top of this policy
  • Provide a summary of key changes when relevant

Continued use of our service after policy updates indicates acceptance of the changes. If you disagree with updates, you can close your account and request data deletion.

Privacy Questions or Concerns?

Our privacy team is available to help with any questions about how we handle your information.

Email: support@kentarovix.com Phone: +61 2 4403 0650 Mail: 3/200 Anson St, Orange NSW 2800, Australia

We aim to respond to all privacy inquiries within 5 business days.