Privacy Policy

At lirathosclub, we collect information to provide you with better budgeting services and improve your financial management experience. We believe transparency is key to building trust with our users.

Personal Information

When you create an account or use our services, we may collect:

• Name, email address, and contact information
• Financial account information (bank account details, transaction data)
• Demographic information (age, location, income ranges)
• Device information and IP addresses
• Usage patterns and preferences within our platform

Financial Data

To provide budgeting services, we collect transaction data, spending patterns, and financial goals. This information helps us categorize expenses and provide personalized insights. We use bank-level encryption to protect this sensitive information.

We use collected information to enhance your budgeting experience and provide personalized financial insights. Here's how we put your data to work:

Service Improvement

We analyze aggregated, anonymized data to improve our budgeting algorithms and develop new features. This helps us understand common spending patterns and create better financial tools for all users.

We take a conservative approach to sharing your information. Your financial data is never sold to third parties for marketing purposes.

Service Providers

We work with trusted third-party services to provide our budgeting platform:

• Banking data aggregators for secure transaction retrieval
• Cloud hosting providers for data storage and processing
• Analytics services to improve user experience
• Customer support platforms for assistance

Legal Requirements

We may disclose information when required by law, such as responding to court orders, government investigations, or protecting against fraud. We'll notify you of such requests unless legally prohibited.

You have significant control over your personal information. We've made it easy to exercise these rights through your account dashboard or by contacting our support team.

How to Exercise Your Rights

To exercise any of these rights, log into your account and visit the Privacy Settings section, or contact our privacy team directly. We'll respond to requests within 48 hours and complete most actions within 7 business days.

Protecting your financial information is our top priority. We implement multiple layers of security to safeguard your data against unauthorized access, theft, or misuse.

Technical Safeguards

• 256-bit SSL encryption for all data transmission
• Advanced encryption at rest for stored data
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Automated monitoring for suspicious activities

Operational Security

Our team follows strict security protocols. Employee access to personal data is limited based on job requirements, and all access is logged and monitored. We conduct regular security training and maintain incident response procedures.

Data Breach Response

In the unlikely event of a data breach, we'll notify affected users within 72 hours and provide clear information about what happened, what data was involved, and steps we're taking to address the issue.

We retain your information only as long as necessary to provide our services or as required by law. Different types of data have different retention periods based on their purpose and legal requirements.

Retention Periods

• Account Information: Retained while your account is active plus 7 years after closure
• Transaction Data: Kept for 5 years to provide historical insights and tax support
• Usage Analytics: Anonymized after 2 years, aggregated data may be retained longer
• Support Communications: Maintained for 3 years for quality assurance

Deletion Process

When you request account deletion, we begin the removal process immediately. Most personal data is deleted within 30 days, though some information may be retained longer for legal compliance or security purposes.

As an Australia-based company, we primarily process data within Australia. However, some of our service providers may process data in other countries with strong data protection laws.

Transfer Safeguards

When data is transferred internationally, we ensure appropriate safeguards are in place, including:

• Contracts requiring equivalent data protection standards
• Regular audits of international service providers
• Data localization for sensitive financial information
• Compliance with Australian Privacy Principles

You can request information about where your data is processed by contacting our privacy team.

We use cookies and similar technologies to improve your experience and provide personalized budgeting insights. You have control over how these technologies are used.

Types of Cookies

• Essential Cookies: Required for basic functionality like login and security
• Analytics Cookies: Help us understand how you use our platform
• Preference Cookies: Remember your settings and customizations
• Marketing Cookies: Used for relevant advertising (with your consent)

You can manage cookie preferences in your browser settings or through our cookie preference center available in your account dashboard.

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. We'll notify you of significant changes through email or prominent notices in your account.

Update Process

When we make changes, we'll:

• Update the "Last Updated" date at the top of this policy
• Highlight key changes in your account dashboard
• Send email notifications for material changes
• Provide 30 days notice before significant changes take effect

Continued use of our services after changes become effective constitutes acceptance of the updated policy.