Information We Collect

At joranethvia, we collect information that helps us provide better annual budgeting services to our Australian clients. This includes personal details you provide directly and information gathered through your interactions with our platform.

We also collect technical information such as IP addresses, browser types, device information, and usage patterns. This data helps us improve our services and ensure security compliance under Australian privacy legislation.

How We Use Your Information

Your information serves specific purposes that directly benefit your budgeting experience. We don't use your data for unrelated marketing or sell it to third parties.

We process your information based on legitimate business interests, contractual obligations, and your explicit consent where required by Australian Privacy Principles under the Privacy Act 1988.

Data Sharing and Third Parties

We work with carefully selected partners to provide comprehensive budgeting services. Each partnership is governed by strict data protection agreements that meet Australian privacy standards.

We never sell personal information to marketing companies or data brokers. Any data sharing occurs only when necessary for service delivery or legal compliance.

Your Rights Under Australian Law

The Privacy Act 1988 grants you specific rights regarding your personal information. We've made exercising these rights straightforward through our dedicated privacy portal and support team.

To exercise these rights, contact our privacy team using the details below. We respond to requests within 30 days and provide updates if additional time is needed for complex requests.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) through their website or by calling 1300 363 992.

Security and Data Protection

Financial information requires the highest level of protection. Our security measures exceed industry standards and undergo regular independent audits by certified Australian security firms.

• End-to-end encryption for all data transmission using TLS 1.3 protocols
• Multi-factor authentication required for all account access and administrative functions
• Regular penetration testing and vulnerability assessments by third-party security experts
• Staff undergo comprehensive privacy training and background checks before accessing client data
• Automated backup systems with point-in-time recovery stored in geographically separate Australian locations
• Incident response procedures that notify affected users within 72 hours of any security breach

Our data centres are located exclusively within Australia, ensuring compliance with government data localisation requirements and providing additional protection under Australian jurisdiction.

International Transfers and Cross-Border Data

While we primarily operate within Australia, some technical services require limited international data transfers. These transfers occur only with adequate safeguards and your explicit consent.

You can opt out of international data transfers, though this may limit certain advanced features of our budgeting platform. We'll clearly explain any limitations before processing your opt-out request.

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to provide personalised budgeting experiences and maintain security. We've categorised these by function and purpose for transparency.

You can manage cookie preferences through your browser settings or our cookie preference centre. Disabling certain cookies may affect platform functionality, particularly personalised budgeting recommendations.

Changes to This Policy

Privacy regulations and our services evolve over time. We review this policy annually and update it when necessary to reflect changes in law or business practices.

Significant changes are communicated via email and through prominent notices on our platform at least 30 days before taking effect. Continued use of our services after changes indicates acceptance of updated terms.

We maintain archived versions of previous policies for reference and compliance purposes. These archives are available upon request through our privacy team.