Privacy Policy
Last Updated: 15 March 2025
At zeranofica, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you use our cash flow management services.
We operate under Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). This document outlines your rights and our responsibilities regarding your data.
Information We Collect
When you use our platform, we collect various types of information to provide and improve our services. The data we gather falls into several categories, each serving specific purposes for your cash flow management experience.
Personal Identification Information
We collect basic details that help us identify you and communicate effectively. This includes your full name, email address, phone number, and residential address. We need this information to create your account, verify your identity, and send important notifications about your financial data.
Financial Information
Since we're a cash flow management service, we process financial data that you choose to share with us. This includes bank account details, transaction history, income sources, and expense patterns. You control what financial information you connect to our platform, and you can disconnect or delete this data at any time.
Technical and Usage Data
Like most online services, we automatically collect technical information when you access our platform. This covers your IP address, browser type, device information, and how you interact with our features. We use this to keep our service running smoothly and to understand which features matter most to our users.
Important: We never sell your personal or financial information to third parties. Your data is yours, and we only use it to provide the services you've signed up for.
How We Use Your Information
Everything we collect serves a purpose. We're not in the business of gathering data for its own sake. Here's what we actually do with the information you provide.
- Process your transactions and maintain accurate financial records within the platform
- Send you alerts about unusual spending patterns or cash flow issues that need attention
- Provide customer support when you reach out with questions or technical problems
- Improve our algorithms to give you better insights into your financial patterns
- Detect and prevent fraudulent activity or unauthorized access to your account
- Comply with legal obligations under Australian financial regulations
- Communicate updates about new features or changes to our service
We don't use your data for purposes beyond these without getting your explicit consent first. If we want to do something new with your information, we'll ask.
Data Storage and Security
Your financial information deserves serious protection. We use industry-standard security measures to keep your data safe from unauthorized access, alteration, or disclosure.
Encryption and Access Controls
All data transmitted between your device and our servers uses TLS encryption. When your information is stored, we encrypt it using AES-256 encryption. Our staff members only access your data when necessary for providing support or maintaining the service, and every access is logged.
Australian Data Centers
Your information is stored on servers located within Australia. We use certified data centers that meet Australian security standards. This means your data stays within the country and is subject to Australian privacy protections.
| Data Type | Retention Period | Reason |
|---|---|---|
| Account Information | Active account + 7 years | Australian tax and financial regulations |
| Transaction Data | 5 years from last activity | Financial record-keeping requirements |
| Usage Logs | 2 years | Security and service improvement |
| Support Communications | 3 years | Reference and quality assurance |
Your Privacy Rights
Australian privacy law gives you specific rights over your personal information. We've built tools into our platform to make exercising these rights straightforward.
Access Your Data
You can download a complete copy of all information we hold about you. This includes your account details, transaction history, and any communications you've had with our support team.
Correct Information
If something in your account is wrong or outdated, you can update it directly through your account settings. For changes that require verification, contact our support team.
Delete Your Account
You can request full account deletion at any time. We'll remove your personal information within 30 days, though we may keep some data longer if required by law.
Restrict Processing
You can ask us to limit how we use your information. For example, you might want to keep your account but stop receiving marketing emails or data analysis reports.
Data Portability
Export your financial data in common formats to use with other services. We support CSV and JSON exports of all your transaction and account information.
Object to Processing
If you disagree with how we're using your information, you have the right to object. We'll stop that processing unless we have compelling legal reasons to continue.
Sharing and Third Parties
We don't hand your information to random companies. But running a financial service means we work with some trusted partners. Here's who might see your data and why.
Service Providers
We use specialized companies for specific tasks like hosting our servers, processing payments, and sending emails. These providers only access the minimum information needed to do their job, and they're contractually required to protect your data.
Financial Institutions
When you connect your bank accounts, we work with secure financial data aggregation services. These connections happen through encrypted channels, and you can revoke access at any time through your account settings.
Legal Requirements
Sometimes Australian law requires us to share information with government authorities. This might happen for tax audits, criminal investigations, or regulatory compliance. We only disclose what's legally required and will notify you when possible.
We never share your data with marketing companies, data brokers, or advertising networks. Your financial information stays within the context of providing you with cash flow management services.
Cookies and Tracking
Our website uses cookies to keep you logged in and remember your preferences. We're not tracking you across the internet or building advertising profiles.
Essential Cookies
These are necessary for the platform to work. They remember who you are between pages and keep your session secure. You can't disable these without losing core functionality.
Preference Cookies
These remember your choices like currency display, dashboard layout, and notification preferences. Disabling them means you'll need to reset your preferences each visit.
Analytics Cookies
We use privacy-focused analytics to understand how people use our service. This helps us figure out which features work well and which need improvement. All analytics data is aggregated and anonymized.
Changes to This Policy
We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and display a notice on your dashboard for at least 30 days.
Minor updates that don't affect your rights might happen without individual notification, but we'll always update the "Last Updated" date at the top of this page.
You can find previous versions of our privacy policy by contacting our support team. We keep an archive of all versions for transparency.
Complaints and Disputes
If you're unhappy with how we've handled your personal information, we want to know about it. Start by contacting our privacy team directly using the details below.
We'll investigate your complaint and respond within 30 days. If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
The OAIC website has detailed information about the complaints process and your rights under Australian privacy law. Most privacy concerns can be resolved directly with us, but the OAIC is there if needed.
Privacy Questions?
If anything in this policy is unclear, or if you want to exercise any of your privacy rights, get in touch with us. We're here to help.