Information We Collect

Personal Information You Provide

When you sign up for zeritalonix or use our services, we collect information you give us directly. This includes your name, email address, phone number, and payment details. If you connect bank accounts or financial services, we'll receive transaction data to help categorize your spending.

• Account registration details (name, email, password)
• Contact information (phone number, mailing address)
• Financial account credentials and transaction histories
• Payment information for subscription processing
• Communication preferences and support inquiries

Automatically Collected Information

Our systems automatically log certain information when you interact with zeritalonix. This helps us understand how people use the platform and where we can improve things. We collect device information, IP addresses, browser types, and usage patterns through cookies and similar technologies.

How We Use Your Information

We use the information we collect to provide and improve our budget categorization services. Here's what that actually means in practice:

• Processing your transactions and categorizing expenses based on your spending patterns
• Providing personalized budget insights and financial recommendations
• Communicating with you about your account, service updates, and support requests
• Detecting and preventing fraudulent activities or security breaches
• Analyzing usage patterns to improve our categorization algorithms
• Sending educational content about budget management (with your permission)
• Complying with legal obligations and regulatory requirements

Data Sharing and Disclosure

We share your information only when necessary to operate our services or when required by law. Here are the specific circumstances:

Service Providers

We work with trusted third-party companies that help us run zeritalonix. This includes payment processors, cloud hosting providers, and customer support platforms. These partners can only access information needed to perform their specific functions and are bound by confidentiality agreements.

Financial Institutions

When you connect bank accounts, we use secure financial data aggregators to retrieve your transaction information. These connections use bank-level encryption and are read-only – we can't move money or make changes to your accounts.

Legal Requirements

We may disclose information if required by Australian law, court orders, or government requests. This includes compliance with the Privacy Act 1988 and other applicable regulations. We'll notify you of such requests unless legally prohibited from doing so.

Your Rights Under Australian Privacy Law

The Privacy Act 1988 gives you specific rights regarding your personal information. We respect these rights and make it straightforward to exercise them:

How to Exercise Your Rights

To make a request or raise concerns, email us at help@zeritalonix.com with "Privacy Request" in the subject line. We'll respond within 30 days. Most account settings can be adjusted directly through your zeritalonix dashboard.

Data Security Measures

Protecting your financial information is our top priority. We employ multiple layers of security to safeguard your data:

• 256-bit SSL encryption for all data transmitted between your device and our servers
• Encrypted storage of sensitive information using industry-standard protocols
• Regular security audits and penetration testing by independent firms
• Multi-factor authentication options for account access
• Strict access controls limiting employee access to customer data
• Automated monitoring systems that detect suspicious activity
• Regular backups stored in geographically separate locations

While we implement robust security measures, no system is completely invulnerable. If we detect a data breach affecting your information, we'll notify you within 72 hours and outline steps we're taking to address the situation.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and meet legal obligations. Here's our retention approach:

Active Accounts

While your account remains active, we retain all transaction data and categorization history to provide continuous service. You can delete specific transactions or categories at any time through your account settings.

Closed Accounts

When you close your account, we initiate a deletion process. Your personal information is removed within 90 days. However, we may retain certain records for up to seven years to comply with Australian tax law and financial regulations.

Cookies and Tracking Technologies

zeritalonix uses cookies and similar technologies to enhance your experience. These small data files help us remember your preferences and understand how you use our platform.

Types of Cookies We Use

• Essential Cookies: Required for basic functionality like login and security
• Performance Cookies: Help us understand which features are most useful
• Preference Cookies: Remember your settings and customization choices
• Analytics Cookies: Provide insights into usage patterns and service improvements

You can control cookie preferences through your browser settings. Disabling certain cookies may limit some features of zeritalonix. We don't use third-party advertising cookies or tracking for marketing purposes outside our platform.

International Data Transfers

zeritalonix primarily stores data within Australia using local cloud infrastructure. However, some service providers we work with operate globally, which may involve transferring your information overseas.

When data is transferred internationally, we ensure adequate protection through approved mechanisms like Standard Contractual Clauses. These transfers are limited to countries with privacy protections comparable to Australian standards, or where we've implemented additional safeguards.

Current international transfers may occur with cloud backup systems located in Singapore and the United States. These providers maintain ISO 27001 certification and comply with applicable privacy frameworks.

Children's Privacy

zeritalonix is not intended for use by individuals under 18 years of age. We don't knowingly collect personal information from children. If you're a parent or guardian and believe your child has provided us with information, please contact us immediately so we can delete it.

Australian financial services regulations require users to be at least 18 years old to access budget management tools that connect to bank accounts.

Changes to This Privacy Policy

We may update this policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email or through a prominent notice in your zeritalonix account.

We encourage you to review this policy occasionally. The "Last Updated" date at the top indicates when the most recent changes were made. Continued use of zeritalonix after changes take effect means you accept the updated policy.

Third-Party Links and Services

zeritalonix may contain links to external websites or integrate with third-party services. We're not responsible for the privacy practices of these external sites. We recommend reviewing their privacy policies before sharing any information.

When you use third-party integrations within zeritalonix (like connecting a bank account), you're also subject to that provider's terms and privacy policy. We carefully vet integration partners but can't control their data practices.