At dylvarento, we take your privacy seriously. This
policy explains how we collect, use, store, and
protect your personal information when you use
our minimalist budgeting platform. We're
committed to transparency about our data
practices and your rights under Australian
privacy laws.
This policy applies to all users of our
services, including our website at dylvarento.com,
mobile applications, and related financial
planning tools. By using our services, you agree
to the collection and use of information in
accordance with this policy.
Questions about this policy?
Contact our privacy team at help@dylvarento.com or
write to us at Furzer St, Phillip ACT 2606,
Australia.
Information We Collect
Personal Information You Provide
When you create an account or use our
budgeting services, we collect information
you voluntarily provide:
- Name, email
address, and contact details
- Financial
information including income, expenses,
and budget categories
- Bank account
information if you choose to connect
accounts
- Transaction
data and spending patterns
-
Communication preferences and support
inquiries
Information Collected Automatically
Our systems automatically collect certain
information about your device and usage
patterns:
- Device
information including IP address, browser
type, and operating system
- Usage data
such as pages viewed, features used, and
time spent in our app
- Location
data (only with your explicit permission)
- Cookies and
similar tracking technologies
Important: We never store
your banking passwords or login credentials.
All bank connections use secure, read-only
access through encrypted third-party services
that comply with Australian banking
regulations.
How We Use Your Information
We use your personal information for
specific, legitimate business purposes.
Here's exactly how we use different types of
data:
|
Account Information
|
Service provision, account
management, customer support
|
Contract performance
|
|
Financial Data
|
Budget analysis, spending
insights, financial planning
tools
|
Contract performance
|
|
Usage Analytics
|
Service improvement, feature
development, security monitoring
|
Legitimate interest
|
|
Communication Data
|
Customer support, service
updates, marketing (with consent)
|
Consent or legitimate interest
|
Specific Use Cases
-
Budget Management: We
analyze your financial data to provide
personalized budgeting recommendations,
track spending patterns, and alert you
to unusual activity or budget overruns.
-
Service Improvement:
Usage analytics help us understand
which features work best, identify
areas for improvement, and develop new
tools that better serve your financial
planning needs.
-
Security Protection:
We monitor account activity to detect
potential fraud, unauthorized access,
or security threats to your financial
information.
-
Customer Support: When
you contact us for help, we use your
information to resolve issues, answer
questions, and improve our support
processes.
Information Sharing and Disclosure
We don't sell your personal information to
anyone. However, we do share limited
information with trusted partners and service
providers in specific circumstances:
Authorized Service Providers
-
Banking Data Services:
Secure, encrypted connections to
retrieve your transaction data
(read-only access)
-
Cloud Storage
Providers: Encrypted data
storage and backup services with
Australian data residency requirements
-
Analytics Platforms:
Aggregated, anonymized usage data to
improve our services
-
Customer Support
Tools: Secure platforms for
managing support tickets and
communications
Third-Party Requirements
All service providers must meet strict
security standards and are contractually
bound to protect your information. They
can only use your data for the specific
services they provide to us, never for
their own business purposes.
Legal Requirements
We may disclose your information when
required by Australian law, including:
- Valid court
orders or legal processes
-
Investigations by financial regulatory
bodies
- Anti-money
laundering compliance requirements
- Protection
against fraud or security threats
Your Privacy Rights
Under Australian privacy laws and our
commitment to transparency, you have several
important rights regarding your personal
information:
Access and Correction Rights
Request Your Data: You
can request a complete copy of all
personal information we hold about you.
We'll provide this within 30 days in a
commonly used electronic format.
You also have the right to correct any
inaccurate or incomplete information. Most
account details can be updated directly
through your dashboard, but you can
contact us for assistance with any
corrections.
Data Deletion and Portability
-
Account Deletion:
Request complete deletion of your
account and associated data. We'll
remove all personal information within
30 days, except where retention is
required by law.
-
Data Export: Download
your financial data, budget history,
and account information in CSV or JSON
format for use with other services.
-
Selective Deletion:
Request removal of specific data types
or categories while maintaining your
active account.
Communication Preferences
You control how and when we communicate
with you:
- Opt out of
marketing emails while keeping essential
service notifications
- Choose
frequency of budget alerts and spending
notifications
- Select
preferred communication channels (email,
SMS, or app notifications)
- Update
preferences anytime through your account
settings
Data Security and Protection
Protecting your financial information is our
highest priority. We use industry-leading
security measures and regularly update our
protection systems:
Technical Safeguards
-
Encryption: All data
is encrypted in transit using TLS 1.3
and at rest using AES-256 encryption
-
Access Controls:
Multi-factor authentication and
role-based access limits for all team
members
-
Infrastructure
Security: SOC 2 compliant
hosting with 24/7 monitoring and
intrusion detection
-
Regular Testing:
Quarterly penetration testing and
annual security audits by independent
firms
Operational Security
Beyond technical measures, we maintain
strict operational security protocols:
- All
employees undergo background checks and
sign confidentiality agreements
- Regular
security training and phishing simulation
exercises
- Incident
response procedures with clear escalation
paths
- Secure
disposal of hardware and data storage
devices
Security Incident Response
If we detect any unauthorized access to
your personal information, we'll notify
you within 72 hours and provide clear
information about what happened, what data
was involved, and what steps we're taking
to resolve the issue.
Data Retention and Storage
Retention Periods
We keep your personal information only as
long as necessary for legitimate business
purposes or legal requirements:
|
Active Account Data
|
While account is active plus 7
years
|
Financial record keeping
requirements
|
|
Transaction History
|
7 years after account closure
|
Australian taxation and audit
requirements
|
|
Usage Analytics
|
2 years maximum
|
Service improvement and
security monitoring
|
|
Marketing Preferences
|
Until you withdraw consent
|
Compliance with communication
preferences
|
Australian Data Storage
All personal information is stored within
Australia using certified data centers
that meet strict security and privacy
standards. We don't transfer personal data
overseas without explicit consent and
appropriate safeguards.
Data Location: Primary
servers located in Sydney and Melbourne
with encrypted backups in Perth. All
facilities are ISO 27001 certified and
comply with Australian Government security
requirements.
Cookies and Tracking
We use cookies and similar technologies to
improve your experience and provide essential
functionality. You have control over how
these technologies are used:
Essential Cookies
These cookies are necessary for our
service to function properly and cannot be
disabled:
-
Authentication tokens to keep you logged
in securely
- Session
management for maintaining your app state
- Security
cookies for fraud prevention and
protection
- Load
balancing cookies for optimal performance
Optional Cookies
These cookies enhance your experience but
can be disabled through your browser or
account settings:
- Analytics
cookies to understand how you use our
features
- Preference
cookies to remember your dashboard
customizations
- Performance
cookies to optimize loading times and
functionality
Children's Privacy
dylvarento's budgeting services are designed for
adults and we don't knowingly collect
personal information from children under 18
years of age. If you're under 18, please
don't use our services or provide any
personal information.
Parental Notice: If you
believe your child has provided us with
personal information, please contact us
immediately at help@dylvarento.com. We'll
promptly delete any such information from our
systems.
Policy Updates
We may update this privacy policy
periodically to reflect changes in our
practices, technology, or legal requirements.
Here's how we handle policy changes:
-
Notification: We'll email
you at least 30 days before any
significant changes take effect, giving
you time to review and understand the
updates.
-
Clear Changes: All
updates will highlight what's changed and
why, so you can easily understand how the
modifications affect you.
-
Your Choice: For material
changes that affect how we use your data,
you'll have the option to accept the new
terms or close your account if you
disagree.
The current version date is always displayed
at the top of this policy. Previous versions
are available upon request for your records.
