zalmeriqnove

Introduction and Scope

zalmeriqnove (ABN registration pending) operates from Launceston, Tasmania, and we take your privacy seriously. This policy explains what personal information we collect when you use our annual budgeting tools and educational resources, why we need it, and how we handle it.

We're bound by the Australian Privacy Principles under the Privacy Act 1988. That's not just legal speak—it means we have real obligations about how we manage your data. If you're outside Australia, your data might be protected differently depending on where you're located, but we apply these same standards regardless.

This policy applies to our website at zalmeriqnove.com and any services we provide through it. When we say "personal information," we mean anything that can identify you—your name, email, financial details you share with us, even your IP address in some cases.

What Information We Collect

The type of information we gather depends on how you interact with us. We try to keep things minimal—we only ask for what we actually need to provide our services.

Information You Give Us Directly

When you create an account or contact us, you'll provide things like your name, email address, and phone number. If you're using our budgeting tools, you might enter financial data—income figures, expense categories, savings goals. We also collect whatever you type into contact forms or support requests.

Information We Collect Automatically

Like most websites, we gather some technical information when you visit. This includes your IP address, browser type, device information, and which pages you looked at. We use cookies and similar technologies—more on that in a minute.

Data Type	Purpose	Legal Basis
Account details (name, email)	Service delivery and communication	Contract performance
Financial information you input	Budgeting calculations and personalization	Contract performance
Usage data (pages viewed, clicks)	Service improvement and analytics	Legitimate interest
Device and technical information	Security and technical support	Legitimate interest

Cookies and Tracking

We use cookies to remember your preferences and keep you logged in. Some cookies are essential—without them, the site wouldn't work properly. Others help us understand how people use the platform so we can make improvements.

You can control cookies through your browser settings, but turning off essential cookies might break some features. We don't use advertising cookies or sell your data to advertisers.

How We Use Your Information

We use your personal information to run the service you signed up for. That's the main thing. But there are other legitimate reasons we might use it:

To send you important updates about your account or changes to our services
To respond when you contact support or ask questions
To improve our platform based on how people actually use it
To detect and prevent fraud or security issues
To comply with legal obligations when they come up
To send educational content about budgeting if you've opted in

We don't use automated decision-making that would significantly affect you without human involvement. If we ever did, we'd tell you about it explicitly.

Sharing Your Information

We don't sell your personal information. Full stop. But we do share it in limited circumstances:

Service Providers

We work with third parties who help us run the platform—hosting providers, email services, payment processors. They only get access to the information they need to do their job, and they're contractually required to protect it.

Our current service providers include cloud hosting companies based in Australia and payment processors that handle transactions securely. We vet these providers and only work with companies that meet Australian privacy standards.

Legal Requirements

Sometimes we're legally required to share information—if there's a court order, for instance, or if we're required to report something to a regulatory body. We'll only share what's legally required and nothing more.

Business Transfers

If zalmeriqnove were ever acquired or merged with another company, your information would likely be transferred as part of that transaction. We'd notify you beforehand and the new owner would have to honour this privacy policy.

International Transfers: Your data is primarily stored on servers in Australia. If we ever need to transfer data overseas, we'll ensure appropriate safeguards are in place through mechanisms like standard contractual clauses or adequacy decisions.

Your Rights and Choices

Australian privacy law gives you several rights over your personal information. Here's what you can do and how to do it:

Access Your Data

You can request a copy of the personal information we hold about you. We'll provide it in a readable format within 30 days, though we might charge a reasonable fee if the request is particularly complex.

Correct Inaccuracies

If any information we have is wrong or outdated, you can ask us to fix it. You can update most details yourself through your account settings, or contact us for help with the rest.

Delete Your Account

You can request deletion of your account and associated data at any time. We'll remove everything within 30 days, though we might need to keep some records for legal or accounting purposes.

Object to Processing

If we're using your information based on legitimate interests (rather than contract performance), you can object. We'll stop unless we have compelling legitimate grounds to continue.

Withdraw Consent

Where we're using your information based on consent (like marketing emails), you can withdraw that consent anytime. There's an unsubscribe link in every marketing email we send.

Data Portability

You can request your data in a machine-readable format if you want to transfer it to another service. We'll provide common formats like CSV or JSON where technically feasible.

To exercise any of these rights, email us at support@zalmeriqnove.com with details of your request. We'll need to verify your identity before actioning most requests—usually by confirming access to the email address on your account.

Data Security and Protection

We take reasonable steps to protect your information from loss, misuse, and unauthorized access. That includes both technical measures and organizational policies.

Technical Safeguards

All data transmitted to and from our platform is encrypted using TLS (Transport Layer Security). Your financial information and account details are stored in encrypted databases. We use firewalls, intrusion detection systems, and regular security audits to protect our infrastructure.

Access to personal information is restricted to employees and contractors who need it to do their jobs. They're bound by confidentiality obligations and trained in data protection practices.

Your Responsibilities

Security is a shared responsibility. Choose a strong, unique password for your account. Don't share your login credentials. Log out when you're done, especially on shared computers. If you think your account has been compromised, change your password immediately and contact us.

Data Breach Response

If we experience a data breach that's likely to result in serious harm, we'll notify you and the Office of the Australian Information Commissioner as required by law. We'll tell you what happened, what information was affected, and what steps we're taking to address it.

Data Retention

We keep your personal information only as long as we need it. Once you close your account, we'll delete most of your data within 30 days. But there are exceptions:

Financial records might need to be kept for seven years under Australian tax law
If there's an ongoing legal matter, we'll retain relevant information until it's resolved
Aggregated, anonymized data might be kept indefinitely for analytical purposes
Some backup copies might persist for up to 90 days before they're automatically purged

Even while we retain information, we'll continue to protect it according to this policy. Once the retention period expires, we securely delete or anonymize the data so it can no longer identify you.

Children's Privacy

Our services aren't directed at children under 18, and we don't knowingly collect information from them. If you're under 18, please don't create an account or send us personal information without parental consent.

If we discover we've inadvertently collected information from a child without proper consent, we'll delete it promptly. Parents who believe their child has provided us with information can contact us at support@zalmeriqnove.com.

Third-Party Links and Services

Our website might contain links to third-party sites or integrate with external services. We're not responsible for the privacy practices of those third parties. Before providing personal information to any third party, review their privacy policy.

If you connect third-party financial accounts to our platform (through services like bank feeds), those integrations are governed by separate terms and privacy policies. We'll only access what you explicitly authorize.

Changes to This Policy

We'll update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on the website.

The "Last Updated" date at the top shows when the most recent changes were made. By continuing to use our services after changes take effect, you're accepting the updated policy. If you don't agree with the changes, you should stop using our services and close your account.

Complaints and Disputes

If you're unhappy with how we've handled your personal information, please contact us first. We'll investigate complaints and respond within 30 days with our decision and reasons.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). Their contact details are at oaic.gov.au. The OAIC can investigate privacy complaints and make determinations about whether we've breached the Privacy Act.

Privacy Policy