Privacy Policy
Your privacy matters to us at volarionexami
Introduction
volarionexami is committed to protecting your personal information and respecting your privacy rights. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website volarionexami.com or use our budgeting platform services. We operate in accordance with the Australian Privacy Principles under the Privacy Act 1988 (Cth).
By accessing our platform, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy. If you do not agree with these practices, please do not use our services.
Information We Collect
We collect information that you provide directly to us and information that is automatically collected through your use of our platform.
Personal Information
Name, email address, phone number, postal address, date of birth, and government identification numbers when required for verification purposes.
Financial Information
Bank account details, transaction history, income information, expense categories, and budgeting preferences to provide our core services.
Technical Data
IP address, browser type, device information, operating system, referring website, pages visited, and time spent on our platform.
Usage Information
How you interact with our platform, features used, preferences set, and patterns of activity to improve our services.
How We Use Your Information
We process your personal information for legitimate business purposes and to provide you with our budgeting platform services.
- Provide, operate, and maintain our budgeting platform and related services
- Process transactions and manage your account securely
- Personalise your experience and provide tailored budgeting recommendations
- Communicate with you about your account, services, and important updates
- Detect, prevent, and address technical issues and security vulnerabilities
- Comply with legal obligations and regulatory requirements
- Conduct research and analysis to improve our platform and develop new features
- Send you marketing communications with your consent, where applicable
Information Sharing and Disclosure
We do not sell, trade, or rent your personal information to third parties. 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 our business, or servicing you. These providers are bound by strict confidentiality agreements and are only permitted to use your information for the specific purposes we've outlined.
Financial Institutions
With your explicit consent, we may share necessary information with banks and financial institutions to facilitate account linking, transaction synchronisation, and budgeting analysis features.
Legal Requirements
We may disclose your information when required by Australian law, court order, or government request, or when we believe disclosure is necessary to protect our rights, property, or safety, or that of our users or the public.
Data Security
We implement comprehensive security measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction.
- 256-bit SSL encryption for all data transmission
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Secure data centres with physical and digital protection measures
- Employee background checks and confidentiality training
- Incident response procedures for potential security breaches
- Regular software updates and security patches
Important Security Notice
While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to continuous improvement of our security practices.
Your Privacy Rights
Under Australian privacy law, you have several rights regarding your personal information. We're committed to making these rights easily accessible and actionable.
Access Right
You can request access to the personal information we hold about you, including details about how we've used or disclosed it.
Correction Right
You can ask us to correct personal information about you that is inaccurate, out-of-date, incomplete, or misleading.
Erasure Right
You can request deletion of your personal information, subject to certain legal and business requirements.
Portability Right
You can request that we provide your personal information in a structured, commonly used format for transfer to another service.
Objection Right
You can object to certain processing of your personal information, particularly for direct marketing purposes.
Restriction Right
You can request that we limit how we process your personal information in certain circumstances.
How to Exercise Your Rights
Data Retention
We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this policy. Our retention periods are based on business needs and legal requirements.
- Account information: Retained for the duration of your active account plus 7 years after closure
- Financial transaction data: Stored for 7 years as required by Australian financial regulations
- Communication records: Kept for 3 years for quality assurance and legal compliance
- Technical logs and usage data: Retained for 2 years for security and analytics purposes
- Marketing preferences: Maintained until you withdraw consent or close your account
When personal information is no longer needed, we securely delete or anonymise it in accordance with our data retention schedule and Australian privacy requirements.
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, analyse site traffic, and provide personalised content.
Types of Cookies We Use
- Essential cookies: Required for basic platform functionality and security
- Performance cookies: Help us understand how you use our platform to improve performance
- Functional cookies: Remember your preferences and personalise your experience
- Analytics cookies: Provide insights into user behaviour and platform usage patterns
You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some platform functionality.
International Data Transfers
While we primarily store and process your information within Australia, some of our service providers may be located overseas. When we transfer your personal information internationally, we ensure appropriate safeguards are in place.
- We only work with providers in countries with adequate privacy protections
- Contractual agreements include strict data protection clauses
- Regular audits ensure compliance with Australian privacy standards
- You'll be notified if we change our international data handling practices
Children's Privacy
Our platform is not intended for individuals under the age of 18. 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 such information promptly.
Parents or guardians who believe their child has provided personal information to us should contact our Privacy Officer immediately using the details provided below.
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. We will notify you of any material changes by:
- Posting the updated policy on our website with a new effective date
- Sending email notifications to registered users for significant changes
- Displaying prominent notices on our platform when you log in
- Providing reasonable advance notice for changes that affect your rights
We encourage you to review this Privacy Policy periodically to stay informed about how we're protecting your information.
Contact Our Privacy Officer
Level 3/132 Albert St
Brisbane City QLD 4000
Australia
Phone: +61 8 8400 4222
Email: privacy@volarionexami.com
Office Hours: Monday to Friday, 9:00 AM - 5:00 PM AEST
If you have concerns about how we've handled your personal information and are not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by calling 1300 363 992.