Privacy Policy
Last Updated: March 2025
At julavernosian, we take your privacy seriously. This policy outlines how we collect, use, and protect your personal information when you use our weekly budgeting services. We're committed to transparency and giving you control over your data.
Information We Collect
Running a budgeting platform means we need certain information to help you manage your finances effectively. Here's what we collect and why it matters.
Personal Identification Data
When you sign up for julavernosian, we collect basic details like your name, email address, and phone number. If you're creating budgets or linking accounts, we'll also need some financial context – but we only ask for what's necessary to provide the service.
- Full name and contact information
- Email address for account communications
- Phone number for account verification
- Billing address for payment processing
- IP address and device information for security
Financial Information
To help you track spending and create meaningful budgets, we need visibility into your financial activity. This includes transaction history, budget categories you create, and spending patterns. We don't store your full banking credentials – instead, we use secure third-party services that comply with Australian banking standards.
Your banking passwords are never stored on our servers. We use read-only access through regulated financial data providers to fetch your transaction information.
Usage Data
We track how you interact with julavernosian to improve your experience. This includes which features you use most, how often you check your budgets, and what times you're most active. It helps us understand what's working and what needs improvement.
How We Use Your Information
Your data serves specific purposes – we're not in the business of hoarding information just because we can. Every piece of data we collect has a clear function.
| Data Type | Primary Purpose | Retention Period |
|---|---|---|
| Account Details | Service delivery and authentication | Active account + 7 years |
| Transaction Data | Budget tracking and analysis | Active account + 5 years |
| Usage Patterns | Platform improvement and optimization | 24 months rolling |
| Support Communications | Customer service and issue resolution | 3 years from last contact |
We use your information to send budget alerts, generate spending insights, and notify you when you're approaching category limits. Marketing communications are separate – you can opt out anytime, though you'll still receive essential service updates.
- Providing weekly budget summaries and spending alerts
- Analyzing patterns to offer personalized financial insights
- Improving platform features based on user behavior
- Preventing fraud and maintaining account security
- Responding to support requests and technical issues
Data Sharing and Third Parties
We don't sell your personal information. Period. That said, running a financial service requires working with trusted partners who help us deliver the platform.
Service Providers We Work With
Our payment processor handles transactions, our email service sends notifications, and our cloud hosting provider stores encrypted data. These companies are contractually bound to protect your information and can only use it for the specific services they provide to julavernosian.
- Payment processors for secure transaction handling
- Cloud infrastructure providers for data storage
- Email service providers for communications
- Analytics tools to understand platform usage
- Customer support platforms for service inquiries
Under Australian Privacy Principles, we're required to ensure any third party we share data with maintains equivalent privacy protections. We regularly audit our partners to verify compliance.
Legal Requirements
Sometimes we're legally obligated to share information – for example, if we receive a valid court order or need to comply with tax regulations. We'll always review such requests carefully and push back on anything that seems overly broad or unjustified.
Security Measures
Financial data deserves serious protection. We use industry-standard encryption, regular security audits, and strict access controls to keep your information safe.
All data is encrypted both in transit and at rest using AES-256 encryption. Our team can't read your banking information – it's tokenized and stored separately from your account details. We run penetration tests quarterly and maintain compliance with Australian financial security standards.
- End-to-end encryption for all data transmission
- Multi-factor authentication for account access
- Regular security audits and vulnerability assessments
- Restricted employee access on a need-to-know basis
- Automated monitoring for suspicious activity
- Secure data centers with physical access controls
That said, no system is completely bulletproof. We maintain incident response procedures and will notify you within 72 hours if we detect any unauthorized access to your account.
Your Privacy Rights
Under the Australian Privacy Act 1988 and the Privacy Amendment Act 2024, you have specific rights regarding your personal information. We've built tools to make exercising these rights straightforward.
Access and Portability
You can download all your data from julavernosian at any time. This includes your budget history, transaction records, and account settings in a machine-readable format. Just head to your account settings and select "Export My Data" – you'll receive a complete package within 48 hours.
Correction and Updates
If something's wrong or outdated, you can update most information directly in your account dashboard. For changes that require verification, contact our support team and we'll sort it out promptly.
Deletion Rights
Want to close your account? We'll delete your personal information within 30 days, though we're required to retain certain financial records for seven years under Australian tax law. These retained records are stripped of identifying details and stored separately.
- Request a copy of all personal data we hold
- Correct inaccurate or incomplete information
- Delete your account and associated data
- Restrict certain types of data processing
- Object to automated decision-making processes
- Withdraw consent for optional data collection
To exercise any of these rights, email privacy@julavernosian.com with your request. We'll verify your identity and respond within 30 days as required by Australian privacy legislation.
Cookies and Tracking
Like most websites, we use cookies to keep you logged in and remember your preferences. We're pretty minimal with tracking – no creepy retargeting or excessive data collection.
Essential Cookies
These are necessary for the platform to function. They handle your login session, remember which budget you were viewing, and store your display preferences. You can't opt out of these without breaking the service.
Analytics Cookies
We use basic analytics to understand how people use julavernosian – which features are popular, where users get stuck, and what devices they're on. This data is aggregated and anonymized. You can disable these in your account settings if you prefer.
We don't use advertising cookies or sell your browsing data to third parties. Our business model is subscription-based, which means we answer to you, not advertisers.
Children's Privacy
julavernosian is designed for adults managing their own finances. We don't knowingly collect information from anyone under 18 years old. If we discover we've inadvertently gathered data from a minor, we'll delete it immediately.
Parents or guardians who want to set up budgeting tools for their teenagers should create accounts in their own name and supervise usage. We're considering a supervised teen account feature for late 2025, but that's still in planning stages.
International Data Transfers
Your data is primarily stored on servers located in Australia. Some of our service providers operate internationally, which means certain data might be processed overseas. We only work with companies in countries with adequate privacy protections or under approved transfer mechanisms.
For Australian users, we maintain primary data residency within Australia to comply with local financial regulations. Backups are stored in secure offshore locations with encryption that ensures your information remains protected even if physical security is compromised.
Changes to This Policy
We review and update this privacy policy annually, or more frequently if regulations change. When we make significant changes, we'll notify you by email and display a prominent notice on the platform.
Minor updates – like clarifying existing practices or fixing typos – won't trigger notifications, but we'll always update the "Last Updated" date at the top of this page. Check back occasionally if you're curious about our latest privacy practices.
Complaints and Disputes
If you believe we've mishandled your personal information or violated your privacy rights, please contact us first. We take complaints seriously and will investigate thoroughly.
If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner. They're the regulatory body that oversees privacy compliance in Australia.
- Contact our privacy team at privacy@julavernosian.com
- We'll acknowledge your complaint within 7 days
- Investigation typically completes within 30 days
- If unresolved, escalate to OAIC at oaic.gov.au
Questions About Your Privacy?
Email us at info@julavernosian.com
Call +61 3 9478 9667
Write to us at 34 Shanahan Rd, Davenport WA 6230, Australia