Effective Date: 15 January 2025
At Lazuloriva, we respect your privacy and are committed to protecting your personal information. This policy explains what data we collect, why we need it, and how we handle it in accordance with Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
We collect different types of information depending on how you interact with our budget monitoring services. The data we gather helps us provide you with better financial insights and support.
When you create an account or use our services, you might share:
When you visit our website or use our app, we automatically gather:
Your data serves specific purposes that directly benefit your experience with Lazuloriva. We don't use your information for purposes unrelated to our budget monitoring services.
| Purpose | Details |
|---|---|
| Service Delivery | Processing transactions, generating budget reports, sending alerts about spending patterns |
| Account Management | Creating and maintaining your account, authenticating your identity, providing customer support |
| Service Improvement | Analyzing usage trends, testing new features, fixing bugs and technical issues |
| Communication | Sending service updates, responding to inquiries, notifying you about account changes |
| Legal Compliance | Meeting regulatory requirements, preventing fraud, enforcing our terms of service |
We take the security of your financial information seriously. All bank account connections use read-only access through secure, encrypted channels. We never store your banking passwords, and we cannot initiate transactions from your accounts without your explicit authorization.
We don't sell your personal data to third parties. However, we do share information with specific partners who help us run our services.
We work with trusted companies that assist with:
These providers can only use your data for the specific tasks we assign them, and they must protect it according to our standards.
Sometimes we must share information to comply with Australian law, respond to valid legal requests, or protect rights and safety. This includes cooperation with law enforcement when legally required.
If Lazuloriva merges with or is acquired by another company, your information would transfer as part of that transaction. We'd notify you before any such change affects how your data is handled.
Australian privacy law gives you specific rights regarding your personal information. Here's what you can do:
Request a copy of all personal information we hold about you. We'll provide this within 30 days of your request.
Ask us to fix any incorrect or outdated data in your account. You can also update most details yourself through account settings.
Request complete deletion of your account and associated data. Some information may need to be retained for legal or accounting purposes.
Limit how we use certain information while we verify accuracy or investigate concerns you've raised.
Disagree with how we're using your data for specific purposes like marketing communications.
Contact the Office of the Australian Information Commissioner if you believe we've mishandled your information.
To exercise any of these rights, email us at contact@lazuloriva.com with "Privacy Request" in the subject line. We'll respond within 30 days and verify your identity before processing requests.
Protecting your information is a continuous effort. We've built multiple layers of security into our systems:
Despite our precautions, no system is completely secure. If we detect a data breach that might affect you, we'll notify you within 72 hours as required by Australian law.
We keep your information only as long as necessary for the purposes described in this policy.
While your account is active, we maintain all your information to provide continuous service. You can delete specific data points through your account settings at any time.
After you close your account, we delete most personal information within 90 days. However, some data must be retained longer:
Deleted data may persist in backup systems for up to 90 additional days before being permanently removed from all storage.
Note: If you request account deletion during an active billing period, any refund will be processed according to our standard refund policy before final data deletion.
Lazuloriva primarily stores and processes data within Australia. Our main servers are located in the AWS Sydney region.
Some service providers we work with may process data outside Australia, including in the United States and Europe. When data leaves Australia, we ensure:
Our website uses cookies and similar technologies to improve your experience. Here's what we use and why:
Required for the site to function properly. These handle login sessions, security features, and basic functionality. You can't disable these and still use our services.
Help us understand how people use our site so we can make improvements. These track page views, navigation patterns, and feature usage. You can opt out through your account preferences.
Remember your settings like language choice, display options, and dashboard layout. Disabling these means manually setting preferences each visit.
You can control cookies through your browser settings, but blocking certain types may affect site functionality. Most browsers offer do-not-track options that we respect.
Lazuloriva's services are designed for adults managing their personal or household finances. We don't knowingly collect information from anyone under 18 years old.
If you're under 18, please don't create an account or provide any personal information. Parents who discover their child has created an account should contact us immediately at contact@lazuloriva.com, and we'll delete the account and associated data.
We update this privacy policy occasionally to reflect changes in our practices, services, or legal requirements.
When we make significant changes, we'll notify you by:
Minor updates like clarifications or address changes won't trigger notifications, but we'll always update the "Effective Date" at the top of this page.
Your continued use of Lazuloriva after policy changes indicates acceptance of the updated terms. If you disagree with changes, you can close your account before they take effect.
Our website might contain links to other sites or integrate with third-party services. We're not responsible for the privacy practices of these external sites.
When you connect external financial accounts, those institutions have their own privacy policies governing their data practices. We recommend reviewing their policies to understand how they handle your information.
Questions about this policy or how we handle your data? We're here to help.
Email: contact@lazuloriva.com
Phone: +61 404 034 209
Mail: 148 Marius St, Tamworth NSW 2340, Australia
We respond to privacy inquiries within 5 business days and aim to resolve concerns within 30 days.