Information We Collect

When you use threnoviqalur's budget consolidation services, we collect several types of information to provide you with personalised financial management tools and ensure secure account operation.

Personal Information

• Full name, email address, and phone number
• Residential address and postal details
• Date of birth and identification verification documents
• Financial account details necessary for budget consolidation
• Employment information and income verification data

Financial Data

We collect banking information, transaction history, spending patterns, and budget preferences through secure, encrypted connections. This data enables our platform to provide accurate consolidation reports and personalised recommendations.

Technical Information

Our systems automatically collect device information, IP addresses, browser types, and usage patterns to maintain security and improve platform performance. We also use cookies and similar technologies to enhance your experience.

How We Use Your Information

threnoviqalur processes your personal and financial information exclusively to deliver budget consolidation services, maintain account security, and comply with Australian financial regulations.

• Creating and maintaining your threnoviqalur account
• Processing financial transactions and generating reports
• Providing customer support and technical assistance
• Sending important account notifications and updates
• Detecting and preventing fraudulent activities
• Improving our platform's functionality and security

We never sell your personal information to third parties or use it for marketing purposes without your explicit consent. All data processing occurs within secure environments with appropriate access controls.

Data Sharing and Disclosure

threnoviqalur maintains strict data sharing policies aligned with Australian privacy laws. We only share information when necessary for service delivery or legally required.

Authorised Third Parties

• Banking institutions for account verification and transaction processing
• Identity verification services for account security
• Cloud storage providers operating within Australia
• Auditing firms for financial compliance purposes

Legal Requirements

We may disclose information when required by Australian law, court orders, or regulatory authorities. This includes compliance with anti-money laundering regulations and tax reporting requirements.

All third-party partners sign comprehensive data protection agreements ensuring your information receives the same level of protection we provide internally.

Your Rights and Control

Under Australian privacy legislation, you possess extensive rights regarding your personal information. threnoviqalur provides multiple channels for exercising these rights efficiently.

Access and Correction Rights

You can request copies of all personal information we hold about you, including data collection sources and usage purposes. If you identify inaccuracies, we'll correct them promptly upon verification.

Data Portability and Deletion

• Export your financial data in standard formats
• Request complete account deletion with data removal
• Restrict specific data processing activities
• Withdraw consent for optional data uses

To exercise any rights, contact our privacy team using the details provided below. We respond to all requests within 30 days and provide clear explanations of any limitations.

Data Security and Protection

threnoviqalur employs enterprise-grade security measures protecting your information from unauthorised access, disclosure, or misuse. Our security framework exceeds industry standards for financial services.

Technical Safeguards

• 256-bit SSL encryption for all data transmissions
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Automated fraud detection and prevention systems
• Secure data centres with physical access controls

Operational Security

Staff undergo comprehensive security training and background checks. Access to customer data is strictly limited to authorised personnel requiring information for legitimate business purposes.

We maintain incident response procedures and will notify affected customers within 72 hours if any data breach occurs, as required by Australian privacy laws.

Data Retention and Storage

threnoviqalur retains personal information only as long as necessary for service provision and regulatory compliance. Different data types have specific retention periods based on legal requirements and business needs.

Retention Periods

• Account information: Duration of active account plus 7 years
• Transaction records: 7 years from transaction date
• Identity verification: 7 years post account closure
• Support communications: 3 years from last contact
• Marketing preferences: Until consent withdrawn

All data storage occurs within Australia using certified cloud providers meeting government security standards. We regularly review retention schedules and securely destroy information when retention periods expire.

International Data Transfers

threnoviqalur primarily processes and stores data within Australia. Occasionally, we may transfer information overseas for specific service requirements, always with appropriate safeguards protecting your privacy.

Any international transfers comply with Australian Privacy Principles, including ensuring recipient countries have adequate privacy protections or implementing contractual safeguards providing equivalent protection.

Cookies and Tracking Technologies

threnoviqalur uses cookies and similar technologies to enhance platform functionality, maintain security, and analyse usage patterns. You control cookie preferences through browser settings or our preference centre.

Cookie Categories

• Essential cookies for platform operation and security
• Functional cookies for personalised user experience
• Analytics cookies for usage measurement and improvement
• Performance cookies for system optimisation

We don't use advertising cookies or share data with advertising networks. All analytics information is aggregated and doesn't identify individual users.

Changes to This Policy

threnoviqalur reviews this privacy policy annually and updates it when necessary to reflect service changes or regulatory requirements. We notify customers of significant changes through email and platform notifications.

Continued use of our services after policy updates constitutes acceptance of revised terms. However, we'll seek fresh consent for any material changes affecting how we process your personal information.