At plexivon, we collect information that helps us provide better budgeting and financial planning services. Understanding what information we gather and why helps you make informed decisions about using our platform.

Personal Information You Provide

• Account Details: Name, email address, phone number, and password when you create an account
• Financial Information: Income details, expense categories, budget goals, and spending patterns you choose to share
• Profile Information: Age range, location (city/state), household size, and financial goals
• Communication Records: Messages sent through our support system, feedback, and survey responses
• Payment Information: Credit card details and billing addresses for premium service subscriptions

Information We Collect Automatically

When you use plexivon's services, we automatically collect certain technical information to improve your experience and ensure our platform works smoothly.

Data Type	Purpose	Retention Period
Device Information	Optimize app performance	2 years
Usage Analytics	Improve features	18 months
Location Data	Currency and tax calculations	1 year
Session Logs	Security and troubleshooting	6 months

Your information helps us deliver personalized budgeting insights and maintain a secure, efficient service. We're committed to using your data responsibly and only for purposes that benefit your financial planning experience.

Service Improvement and Analytics

We analyze usage patterns to understand which features help users most effectively manage their budgets. This analysis uses aggregated, anonymized data that cannot identify individual users. The insights help us develop new tools and improve existing features based on real user needs.

Communication and Updates

• Essential Communications: Account security alerts, service updates, and billing notifications
• Educational Content: Budgeting tips, financial planning resources, and feature tutorials (you can opt out)
• Support Interactions: Responses to your questions and assistance with technical issues

Legal and Compliance Requirements

Sometimes we must process information to comply with Australian financial regulations, respond to valid legal requests, or protect our users from fraud and security threats. We only share information when legally required and always seek to minimize the scope of any disclosure.

Under Australian privacy law, you have specific rights regarding your personal information. We've designed our systems to make exercising these rights straightforward and accessible.

Protecting your financial information is our top priority. We implement multiple layers of security controls and regularly update our practices to address evolving threats.

Technical Security Measures

• Encryption: All data transmitted to and from our servers uses TLS 1.3 encryption
• Data Storage: Financial information is encrypted at rest using AES-256 encryption
• Access Controls: Staff access is limited based on job requirements and regularly audited
• Network Security: Firewalls and intrusion detection systems protect our infrastructure
• Regular Testing: Quarterly penetration testing and security assessments

Data Retention and Disposal

We keep your information only as long as necessary to provide services or meet legal requirements. Account data is deleted within 90 days of account closure, except where Australian law requires longer retention. Financial transaction data may be kept for up to 7 years for tax and audit purposes.

Third-Party Services

We work with carefully selected partners who help provide our services. These include cloud hosting providers, payment processors, and analytics services. All partners must meet our security standards and are contractually bound to protect your information.

We don't sell your personal information to advertisers or data brokers. When we share information, it's limited to specific circumstances that support your use of our services or meet legal obligations.

Service Providers

We share limited information with companies that help us operate plexivon's services. This includes payment processing, cloud storage, customer support tools, and security monitoring. These providers can only use your information for the specific services they provide to us.

Business Transfers

If plexivon is acquired or merges with another company, your information may transfer to the new entity. We'll notify you before this happens and explain any changes to how your information will be handled.

Legal Requirements

We may disclose information when required by Australian law, court orders, or government requests. We also share information to prevent fraud, protect user safety, or enforce our terms of service. We review all requests carefully and share only the minimum information necessary.

Some of our service providers operate outside Australia. When we transfer your information internationally, we ensure appropriate protections are in place through contractual agreements and security measures that meet Australian privacy standards.

Countries where your data may be processed include the United States (cloud infrastructure), Singapore (data backups), and the European Union (analytics services). All transfers comply with Australian Privacy Principles and include safeguards to protect your information.

We use cookies and similar technologies to improve your experience with plexivon's services. Most cookies we use are essential for the platform to function properly, while others help us understand how users interact with our features.

Types of Cookies We Use

• Essential Cookies: Required for login, security, and core functionality
• Preference Cookies: Remember your settings and customization choices
• Analytics Cookies: Help us understand usage patterns and improve features
• Security Cookies: Detect fraudulent activity and protect your account

You can control cookies through your browser settings, though disabling essential cookies may affect your ability to use certain features. We don't use tracking cookies for advertising purposes or share cookie data with third-party advertisers.

plexivon's services are designed for adults managing their personal finances. We don't knowingly collect personal information from children under 13 years of age. If you're a parent and believe your child has provided information to us, please contact our support team immediately.

For users between 13-18 years old, we recommend parental guidance when using budgeting tools and sharing financial information online. These users have the same privacy rights as adult users and can request access to or deletion of their information.

We review and update this privacy policy regularly to reflect changes in our services, technology, or legal requirements. When we make significant changes, we'll notify you through email or prominently display a notice in your account.

You'll have the opportunity to review changes before they take effect. If you don't agree with updated terms, you can close your account before the changes apply. Continuing to use plexivon's services after changes become effective means you accept the updated policy.