1. Introduction

stellanovaeon (ABN [Australian Business Number]) operates stellanovaeon.com and provides expense budgeting services to individuals and families across Australia. This Privacy Policy explains how we collect, use, disclose, and protect your personal information in accordance with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth).

By using our services, you agree to the collection and use of information as described in this policy. If you don't agree with any part of this policy, please don't use our services.

2. Information We Collect

We collect different types of information depending on how you interact with our services. Here's what we gather and why:

2.1 Personal Information You Provide

• Account Information: When you create an account, we collect your name, email address, phone number, and password.
• Financial Data: To help you manage expenses, we collect information about your income, spending categories, budget goals, and transaction details you choose to input.
• Communication Records: When you contact us through email, phone, or our contact form, we keep records of those conversations.
• Learning Program Data: If you enroll in our educational programs, we collect enrollment details, progress tracking, and feedback submissions.

2.2 Information Collected Automatically

• Usage Data: We track how you interact with our platform, including pages visited, features used, and time spent on different sections.
• Device Information: We collect data about the device you use to access our services, including IP address, browser type, operating system, and device identifiers.
• Cookies and Similar Technologies: We use cookies to maintain your session, remember preferences, and analyze site performance.

3. How We Use Your Information

We use the information we collect for specific purposes that help us provide better services to you:

4. Information Sharing and Disclosure

We don't sell your personal information to anyone. We only share your data in limited circumstances:

4.1 Service Providers

We work with third-party companies that help us operate our business. These might include hosting providers, email services, analytics tools, and payment processors. These providers only access the information needed to perform their specific functions and are required to protect your data.

4.2 Legal Requirements

We may disclose your information if required by Australian law, legal process, or government request. This includes responding to subpoenas, court orders, or legitimate requests from law enforcement.

4.3 Business Transfers

If stellanovaeon is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We'll notify you before your information becomes subject to a different privacy policy.

4.4 With Your Consent

We may share your information with other parties when you've given us explicit permission to do so.

5. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorized access, modification, or disclosure. Our security measures include:

• Industry-standard encryption for data transmission using SSL/TLS protocols
• Encrypted storage of sensitive information in our databases
• Regular security assessments and vulnerability testing
• Access controls that limit who can view your data within our organization
• Secure authentication methods including password requirements
• Regular backups stored in secure, geographically distributed locations

However, no method of electronic storage or transmission is completely secure. While we work hard to protect your information, we can't guarantee absolute security. You're responsible for keeping your password confidential and notifying us immediately if you suspect unauthorized access to your account.

6. Data Retention

We keep your personal information for as long as necessary to provide our services and meet legal obligations:

• Active Accounts: While your account is active, we retain all information you've provided to ensure service continuity
• Closed Accounts: After you close your account, we keep basic information for 7 years to comply with Australian tax and financial record-keeping requirements
• Marketing Data: If you've subscribed to our communications, we keep your contact information until you unsubscribe
• Legal Requirements: Some data may be retained longer if required by law or needed for legitimate business purposes like dispute resolution

When we no longer need your information, we securely delete or anonymize it so it can't be linked back to you.

7. Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information:

7.1 Access and Correction

You can access most of your information by logging into your account. If you find inaccurate information, you can update it directly through your account settings. For information you can't access or update yourself, contact us and we'll help within a reasonable timeframe.

7.2 Data Portability

You can request a copy of your data in a structured, commonly used format. We'll provide this within 30 days of your request.

7.3 Deletion

You can request deletion of your account and associated data. Keep in mind we may need to retain certain information for legal compliance. To delete your account, email us at contact@stellanovaeon.com with "Account Deletion Request" in the subject line.

7.4 Marketing Communications

You can opt out of marketing emails by clicking the unsubscribe link in any promotional email or adjusting your preferences in your account settings. We'll still send you essential account-related communications.

7.5 Complaints

If you believe we've mishandled your personal information, please contact us first so we can try to resolve the issue. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

8. Cookies and Tracking Technologies

We use cookies and similar technologies to make our services work properly and understand how you use them. Here's what we use:

• Essential Cookies: These are necessary for the site to function. They enable core features like security, authentication, and account access.
• Performance Cookies: These help us understand how visitors interact with our site by collecting anonymous usage statistics.
• Functionality Cookies: These remember your preferences and choices to provide a more personalized experience.

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. However, some features of our service may not work properly if you disable cookies.

9. Third-Party Links

Our website may contain links to external sites that aren't operated by us. If you click on a third-party link, you'll be directed to that site. We have no control over and assume no responsibility for the content, privacy policies, or practices of third-party sites or services. We encourage you to review the privacy policy of any site you visit.

10. Children's Privacy

Our services are intended for adults aged 18 and over. We don't knowingly collect personal information from children under 18. If you're a parent or guardian and believe your child has provided us with personal information, please contact us and we'll delete that information from our systems.

11. International Data Transfers

While we're based in Australia and primarily serve Australian customers, some of our service providers may be located overseas. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information in accordance with the Australian Privacy Principles. Countries where data may be processed include the United States and members of the European Union, all of which have comparable privacy protections or contractual arrangements.

12. Changes to This Privacy Policy

We may update this Privacy Policy occasionally to reflect changes in our practices, technology, legal requirements, or other factors. We'll post any changes on this page with a new "Last Updated" date. For significant changes, we'll notify you by email or through a prominent notice on our website before the changes take effect. We encourage you to review this policy periodically to stay informed about how we're protecting your information.

13. Australian Privacy Principles Compliance

This Privacy Policy is designed to comply with the Australian Privacy Principles (APPs) set out in the Privacy Act 1988 (Cth). We're committed to handling your personal information in accordance with these principles, which govern how organizations collect, use, store, and disclose personal information, as well as how individuals can access and correct their information.