Information We Collect

When you interact with kelmoraqenix's creative budgeting platform, we collect various types of information to provide you with personalised financial guidance and innovative budgeting solutions.

We only collect information that directly supports our ability to deliver effective creative budgeting solutions. Every piece of data we gather serves a specific purpose in helping you achieve better financial outcomes.

How We Use Your Information

Your data enables us to create personalised budgeting strategies and deliver innovative financial solutions tailored to your specific circumstances and goals.

• Developing customised budgeting plans based on your income, expenses, and financial objectives
• Providing personalised recommendations for optimising your spending patterns and saving strategies
• Sending relevant financial insights, budgeting tips, and updates about new features that match your interests
• Improving our platform functionality and user experience through analysis of usage patterns
• Ensuring account security and preventing unauthorised access to your financial information
• Responding to your inquiries and providing customer support for technical or account-related issues
• Complying with Australian financial services regulations and legal reporting requirements

Information Sharing and Disclosure

kelmoraqenix maintains strict controls over who can access your personal and financial information. We believe in transparency about when and why we might share your data.

We never sell, rent, or trade your personal information to marketing companies, data brokers, or other commercial entities. Your financial data remains confidential and is used solely to improve your budgeting experience with kelmoraqenix.

Your Privacy Rights

Under Australian privacy law, you have significant control over how your personal information is collected, used, and stored. We're committed to making these rights easy to exercise.

To exercise any of these rights, contact our privacy team using the details below. We respond to all privacy requests within 30 days and never charge fees for reasonable requests about your personal information.

Data Security and Protection

Protecting your financial information is fundamental to everything we do at kelmoraqenix. We implement comprehensive security measures that meet Australian financial services standards.

While we implement robust security measures, no system is completely immune to security breaches. If a security incident affects your personal information, we'll notify you and relevant authorities within 72 hours, as required by Australian privacy law.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with Australian legal requirements.

• Account information is kept while your account remains active and for seven years after account closure, as required by financial services regulations
• Usage data and analytics information is retained for two years to improve our platform and services
• Customer support communications are kept for three years to maintain service quality and resolve ongoing issues
• Marketing communications preferences are stored until you change them or close your account
• Financial transaction records are maintained for seven years in compliance with Australian Taxation Office requirements

International Data Transfers

kelmoraqenix primarily stores and processes your information within Australia using local data centres and service providers.

Some of our technology partners operate internationally, which may involve transferring your data outside Australia. When this occurs, we ensure equivalent privacy protection through:

• Selecting service providers in countries with adequate privacy protection as recognised by Australian authorities
• Implementing contractual safeguards that require the same level of data protection we provide
• Using technical measures like encryption during transfer and storage
• Regular auditing of international partners' data handling practices

You can request specific details about where your data is stored and processed by contacting our privacy team.

Cookies and Tracking Technology

kelmoraqenix uses cookies and similar technologies to enhance your experience on our creative budgeting platform and provide personalised financial insights.

You can manage cookie preferences through your browser settings or our privacy dashboard. Disabling certain cookies may limit some platform functionality but will not prevent you from accessing core budgeting features.

Changes to This Privacy Policy

We review and update this privacy policy annually or when significant changes occur in our data handling practices, Australian privacy law, or our service offerings.

When we make material changes that affect how we collect, use, or share your personal information, we'll:

• Send you an email notification at least 30 days before changes take effect
• Display a prominent notice on our platform highlighting key changes
• Update the "Last Updated" date at the top of this policy
• Maintain an archive of previous policy versions for your reference

Continuing to use kelmoraqenix's services after policy changes take effect indicates your acceptance of the updated terms. If you disagree with changes, you can close your account before they become effective.