Privacy Policy
Your privacy and data protection are fundamental to how we operate
Information We Collect
nexuloritha collects information to provide personalised financial budgeting services and improve your experience with our platform. We gather different types of information depending on how you interact with our services.
Personal Information
When you create an account or use our budgeting tools, we collect personal details including your name, email address, phone number, and residential address. This information helps us verify your identity and provide personalised financial advice tailored to Australian household budgeting practices.
Financial Information
To provide accurate budgeting recommendations, we collect financial data such as income details, expense categories, banking information (when you choose to connect accounts), and spending patterns. All financial data is encrypted and stored securely in compliance with Australian financial privacy regulations.
Usage Data
We automatically collect information about how you use nexuloritha, including pages visited, features accessed, time spent on different sections, device information, IP address, and browser type. This helps us understand user behaviour and improve our platform's functionality.
How We Use Your Information
Your information enables us to deliver comprehensive household budgeting services and maintain the security of our platform. We process your data for several specific purposes outlined below.
- Providing personalised budgeting recommendations based on Australian household spending patterns
- Processing account registrations and managing user profiles
- Sending important updates about your budgeting goals and platform changes
- Analysing spending trends to improve our financial planning tools
- Detecting and preventing fraudulent activities or security breaches
- Complying with Australian financial reporting and regulatory requirements
- Responding to customer support inquiries and technical assistance requests
Data Sharing and Disclosure
nexuloritha does not sell your personal information to third parties. We only share your data in specific circumstances that directly support our service delivery or comply with legal requirements.
| Sharing Category | Purpose | Data Types |
|---|---|---|
| Service Providers | Cloud hosting, payment processing, customer support | Contact details, account information |
| Financial Institutions | Account verification, transaction categorisation | Banking details (encrypted) |
| Legal Compliance | Court orders, regulatory investigations | All relevant data as required |
| Business Transfers | Mergers, acquisitions, asset sales | Complete user profiles |
All third-party service providers are contractually bound to protect your data with the same standards we maintain, including compliance with Australian Privacy Principles.
Your Privacy Rights
Under Australian privacy law, you have significant control over your personal information. These rights ensure you can make informed decisions about how nexuloritha handles your data.
Access Your Data
Request a complete copy of all personal information we hold about you, including how it's being used and who it's shared with.
Correct Information
Update or correct any inaccurate personal details in your account at any time through your profile settings or by contacting us.
Delete Your Account
Request complete deletion of your account and associated data, subject to legal retention requirements for financial records.
Restrict Processing
Limit how we process your information for specific purposes while maintaining your account and essential services.
Data Portability
Export your budgeting data and financial information in a structured format for use with other services.
Withdraw Consent
Revoke permission for optional data processing activities like marketing communications or usage analytics.
To exercise these rights, contact our privacy team at info@nexuloritha.com with your request and account verification details. We'll respond within 30 days as required by Australian privacy legislation.
Data Security and Protection
Protecting your financial information requires comprehensive security measures across our entire platform. We employ multiple layers of protection to safeguard your data from unauthorised access, modification, or disclosure.
Encryption Standards
All sensitive data is encrypted using AES-256 encryption both in transit and at rest. Financial information receives additional protection through tokenisation, ensuring that actual account numbers and financial details are never stored in readable formats on our servers.
Access Controls
Employee access to personal data is strictly limited based on job requirements and authenticated through multi-factor authentication systems. All data access is logged and monitored, with regular audits conducted to ensure compliance with our security protocols.
Infrastructure Security
Our servers are housed in certified Australian data centres with 24/7 physical security, environmental controls, and backup systems. Regular security testing, including penetration testing and vulnerability assessments, helps identify and address potential security gaps.
Data Retention and Deletion
nexuloritha retains your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of data have varying retention periods based on their purpose and regulatory requirements.
- Account information: Retained while your account is active, plus 7 years after closure for financial record-keeping
- Transaction data: Kept for 7 years to comply with Australian taxation and financial reporting requirements
- Usage analytics: Anonymised after 24 months and retained for service improvement purposes
- Communication records: Customer support interactions kept for 3 years for quality assurance
- Marketing data: Deleted immediately upon unsubscribing from communications
When data reaches the end of its retention period, it's securely deleted using certified data destruction methods that make recovery impossible.
International Data Transfers
While nexuloritha primarily operates within Australia, some of our service providers may process data internationally. When international transfers occur, we ensure adequate protection through approved mechanisms under Australian privacy law.
Cloud hosting services may involve data processing in secure facilities outside Australia, but these providers are required to maintain equivalent privacy protections. We conduct due diligence on all international service providers to ensure they meet Australian privacy standards.
Users will be notified if we begin regular international data processing activities, and you'll have the right to object to such transfers if they don't meet your privacy requirements.
Cookies and Tracking Technologies
nexuloritha uses cookies and similar technologies to enhance your browsing experience and provide personalised budgeting recommendations. You can control cookie settings through your browser preferences.
Essential Cookies
Required for basic platform functionality, including user authentication, session management, and security features. These cannot be disabled without affecting core services.
Analytics Cookies
Help us understand how users interact with our platform to improve features and identify technical issues. This data is aggregated and doesn't identify individual users.
Preference Cookies
Remember your settings and customisation choices to provide a consistent experience across sessions. You can reset these preferences at any time through your account settings.
Children's Privacy
nexuloritha is designed for adults managing household finances and is not intended for children under 18. We don't knowingly collect personal information from minors without parental consent.
If you're a parent or guardian and believe your child has provided personal information to nexuloritha, please contact us immediately at info@nexuloritha.com. We'll promptly investigate and delete any inappropriate data collection.
Educational accounts for teenagers learning about budgeting require parental approval and have additional privacy protections, including limited data collection and enhanced security monitoring.
Policy Updates and Changes
This privacy policy may be updated periodically to reflect changes in our services, legal requirements, or privacy practices. Significant changes will be communicated through email notifications and prominent platform announcements.
We'll provide at least 30 days' notice before implementing material changes that affect how we collect, use, or share your personal information. During this period, you can review the changes and decide whether to continue using nexuloritha's services.
Continued use of our platform after policy updates indicates your acceptance of the revised terms. If you disagree with changes, you can close your account and request data deletion before the new policy takes effect.
Privacy Enquiries and Complaints
For privacy-related questions, data access requests, or complaints about our privacy practices, contact our dedicated privacy team:
Email: info@nexuloritha.com
Phone: +61 3 5442 8140
Mail: Privacy Officer, nexuloritha
9 Daly St, Darwin City NT 0800, Australia
If you're unsatisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au