Privacy Policy
Effective Date: January 15, 2025
ephorialuxan ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our budget control platform and related services available through ephorialuxan.com.
By accessing or using our services, you agree to this Privacy Policy. If you do not agree with the practices described in this policy, please do not use our services.
1. Information We Collect
Personal Information
We collect information you provide directly to us, including:
- Name and contact information (email address, phone number)
- Account credentials and security information
- Financial account details and transaction data
- Budget preferences and financial goals
- Communication records and support inquiries
Automatic Information
We automatically collect certain information when you use our platform:
- Device information and unique identifiers
- IP address and geographic location data
- Browser type and operating system details
- Usage patterns and feature interactions
- Log files and performance analytics
Financial Data Collection
As a budget control platform, we collect financial information necessary to provide our services. This includes bank account details, transaction histories, spending categories, and income information. We use bank-level encryption and work only with trusted financial data providers to ensure your financial information remains secure.
2. How We Use Your Information
We use the information we collect for various purposes, including:
- Providing and maintaining our budget control services
- Processing transactions and managing your account
- Personalizing your experience and improving our platform
- Sending important updates about your account and services
- Responding to your comments, questions, and support requests
- Detecting and preventing fraud or unauthorized access
- Complying with legal obligations and regulatory requirements
- Conducting research and analysis to improve our services
We never sell your personal information to third parties. Your financial data is used solely for providing our budget control services and is protected with industry-standard security measures.
3. Information Sharing and Disclosure
We may share your information in the following circumstances:
Service Providers
We work with trusted third-party service providers who assist us in operating our platform, conducting business, or serving our users. These providers have access to personal information only as necessary to perform their functions and are contractually obligated to maintain confidentiality.
Legal Requirements
We may disclose your information if required by law, regulation, or legal process, or if we believe such disclosure is necessary to protect our rights, property, or safety, or that of our users or the public.
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.
4. Your Rights and Choices
Under Australian privacy laws, you have several rights regarding your personal information:
Access Rights
You can request access to the personal information we hold about you and receive a copy of that information.
Correction Rights
You can request that we correct any inaccurate or incomplete personal information we have about you.
Deletion Rights
You can request that we delete your personal information, subject to certain legal and practical limitations.
Objection Rights
You can object to certain uses of your personal information, particularly for marketing purposes.
Portability Rights
You can request that we provide your personal information in a structured, commonly used format.
Complaint Rights
You can lodge a complaint with us or with the Australian Privacy Commissioner if you believe we have mishandled your information.
5. Data Security
We implement comprehensive security measures to protect your personal and financial information:
Encryption
All data is encrypted in transit and at rest using AES-256 encryption standards.
Access Controls
Strict access controls ensure only authorized personnel can access your information.
Monitoring
Continuous monitoring systems detect and respond to potential security threats.
Regular Audits
Regular security audits and assessments ensure our systems remain secure.
6. Data Retention
We retain your information for different periods depending on the type of data and the purpose for which we collected it:
| Information Type | Retention Period | Purpose |
|---|---|---|
| Account Information | Duration of account + 7 years | Service provision and legal compliance |
| Financial Transaction Data | 7 years from transaction date | Legal and regulatory requirements |
| Communication Records | 3 years from last contact | Customer service and dispute resolution |
| Marketing Data | Until consent withdrawn | Marketing communications |
| Usage Analytics | 2 years from collection | Service improvement and analysis |
7. International Data Transfers
Your information may be transferred to and processed in countries other than Australia. When we transfer information internationally, we ensure appropriate safeguards are in place to protect your privacy rights and provide an adequate level of data protection.
We only transfer data to countries that have been deemed to provide adequate protection by the Australian Privacy Commissioner, or where we have implemented appropriate safeguards such as standard contractual clauses.
8. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our platform. These technologies help us:
- Remember your preferences and settings
- Analyze how you use our services
- Provide personalized content and recommendations
- Detect and prevent fraud
- Improve our platform's performance and functionality
You can control cookie settings through your browser preferences. However, disabling certain cookies may affect your ability to use some features of our platform.
9. Children's Privacy
Our services are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Effective Date" at the top of this policy and notify you of significant changes through our platform or via email.
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.
11. Contact Information
Privacy Officer
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact our Privacy Officer:
Address: 2/164 Balcatta Rd, Balcatta WA 6021, Australia
Phone: +61 412 885 459
Email: privacy@ephorialuxan.com
Response Time: We will respond to your inquiry within 30 days
You also have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC) if you believe we have not handled your personal information in accordance with Australian privacy laws. Visit www.oaic.gov.au for more information.
This Privacy Policy is governed by Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles. By using our services, you consent to the collection, use, and disclosure of your information as described in this policy.