Information We Collect

When you use talemoriqosae's budgeting services, we collect information that helps us provide personalised financial insights. This includes details you provide directly when creating your account, such as your name, email address, and financial preferences.

How We Use Your Information

Your data enables us to deliver effective budgeting tools tailored to your needs. We process information to maintain your account, provide customer support, and develop features that enhance your financial planning experience.

• Personalising budget recommendations based on your spending patterns and financial goals
• Sending important updates about your account, including security notifications and service changes
• Analysing platform usage to identify areas for improvement and develop new features
• Ensuring platform security by monitoring for suspicious activities and preventing unauthorised access
• Providing customer support when you contact us with questions or technical issues
• Complying with Australian financial regulations and legal obligations

Data Sharing and Third Parties

talemoriqosae operates with strict data sharing principles. We never sell your personal information to third parties, and any data sharing occurs only when necessary for service delivery or legal compliance.

In certain circumstances, we may disclose information when required by Australian law, such as responding to valid legal processes, protecting against fraud, or ensuring user safety. We will always notify you of such disclosures unless legally prohibited from doing so.

Your Privacy Rights

Under Australian Privacy Principles and applicable data protection laws, you have significant control over your personal information. These rights ensure you can manage how your data is collected, used, and stored.

Data Security and Protection

We implement comprehensive security measures to protect your financial information. Our systems use industry-standard encryption both in transit and at rest, with regular security audits conducted by independent specialists.

• End-to-end encryption for all data transmission between your device and our servers
• Multi-factor authentication options to secure your account access
• Regular automated backups with encrypted storage in Australian data centres
• Continuous monitoring for security threats and suspicious account activities
• Limited employee access to personal data, with strict access controls and regular training
• Annual third-party security assessments and compliance audits

Despite these protections, no system is completely immune to security risks. We encourage you to use strong, unique passwords and promptly report any suspected unauthorised access to your account.

Data Retention and Deletion

We retain your personal information only as long as necessary for providing our services or as required by Australian law. Different types of data have varying retention periods based on their purpose and legal requirements.

When you delete your account, we begin immediate removal of your personal data from active systems. Some information may persist in backup systems for up to 90 days before permanent deletion. We cannot recover your data once this process completes, so please ensure you've downloaded any information you wish to keep.

International Data Transfers

Your data is primarily processed and stored within Australia using local data centres. When international transfers are necessary for service delivery, we ensure adequate protection through approved transfer mechanisms and contractual safeguards.

Some of our technology partners operate globally, which may involve transferring certain technical data outside Australia. These transfers occur only with partners who maintain equivalent data protection standards and are subject to appropriate legal agreements.

Cookies and Tracking Technologies

talemoriqosae uses essential cookies to maintain your session and remember your preferences. We also employ analytics cookies to understand how users interact with our platform, helping us improve functionality and user experience.

• Essential cookies for login sessions and security features - these cannot be disabled
• Preference cookies to remember your dashboard layout and notification settings
• Analytics cookies to measure platform performance and identify popular features
• Security cookies to detect unusual activity and protect against automated attacks

You can manage cookie preferences through your browser settings, though disabling certain cookies may limit platform functionality. We don't use cookies for advertising or cross-site tracking purposes.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices, technology, and legal requirements. Significant changes will be communicated through email notifications and prominent notices on our platform.

Minor updates, such as clarifications or contact information changes, may be made without advance notice. We recommend reviewing this policy occasionally to stay informed about how we protect your privacy.