norculaeon - Smart Budget Essentials & Financial Planning Tools

Information We Collect

At norculaeon, we collect information to provide better services to our users. This includes information you provide directly to us, data we collect automatically when you use our platform, and information from third-party sources when necessary.

Personal Information You Provide

Name, email address, and contact information when you register
Financial information and goals during budget planning sessions
Communication preferences and notification settings
Payment information for premium services (processed securely through third-party providers)
Feedback, survey responses, and customer support interactions

Automatically Collected Data

Device information including IP address, browser type, and operating system
Usage patterns, page views, and time spent on different sections
Location data (with your permission) to provide relevant financial content
Cookies and similar tracking technologies for improved user experience

How We Use Your Information

We use your information to enhance your experience with our budget essentials platform and provide personalized financial guidance that meets your specific needs.

Purpose	Data Used	Legal Basis
Account management and authentication	Contact information, login credentials	Contract performance
Personalized budget recommendations	Financial goals, spending patterns	Legitimate interest
Customer support and communication	Contact details, support history	Contract performance
Service improvements and analytics	Usage data, feedback	Legitimate interest

Data Sharing and Disclosure

We respect your privacy and limit data sharing to specific circumstances that enhance your service experience or comply with legal requirements.

We never sell your personal information to third parties for marketing purposes. Any data sharing is done with your knowledge and only when necessary for service delivery or legal compliance.

Trusted Service Providers

Payment processors for secure transaction handling
Cloud storage providers for data backup and security
Analytics platforms to improve our services (anonymized data only)
Customer support tools to manage and resolve inquiries efficiently

Legal Requirements

We may disclose information when required by law, court order, or government request. This includes compliance with Australian Privacy Principles and relevant financial regulations.

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information. We make it easy for you to exercise these rights through our user-friendly processes.

Access and Correction

You can request access to your personal information at any time. Simply log into your account to view and update most of your information, or contact us for a comprehensive data report.

Data Portability

You have the right to receive your personal data in a structured, commonly used format. We provide export options for your budget data, financial goals, and account preferences.

Deletion Rights

You can request deletion of your personal information, subject to certain legal and operational requirements. We will delete your data within 30 days unless we have legitimate grounds to retain specific information.

To exercise any of these rights, contact our privacy team using the details below. We respond to all requests within 30 days and provide clear information about any actions taken.

Data Security and Protection

We implement comprehensive security measures to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction.

Technical Safeguards

256-bit SSL encryption for all data transmission
Advanced firewall protection and intrusion detection systems
Regular security audits and vulnerability assessments
Multi-factor authentication for account access
Secure data centers with 24/7 monitoring and physical security

Administrative Controls

Strict access controls limiting employee data access on a need-to-know basis
Regular staff training on privacy and security best practices
Comprehensive incident response procedures
Regular backup procedures with encrypted storage

Data Retention

We retain your personal information only as long as necessary to provide our services, comply with legal obligations, and resolve disputes.

Data Type	Retention Period	Reason
Account information	Duration of account + 2 years	Service provision and legal compliance
Financial data and budgets	Duration of account + 7 years	Australian financial record requirements
Usage and analytics data	12 months	Service improvement and optimization
Marketing communications	Until unsubscribed + 6 months	Preference management and compliance

International Data Transfers

While we primarily store and process data within Australia, some of our trusted service providers may operate internationally. We ensure appropriate safeguards are in place for any international transfers.

Transfer Safeguards

Standard contractual clauses with international service providers
Adequacy decisions where applicable under Australian privacy law
Additional security measures for sensitive financial information
Regular reviews of international service provider compliance

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience, analyze site usage, and provide personalized content. You can control cookie preferences through your browser settings.

Types of Cookies We Use

Essential cookies required for basic site functionality
Analytics cookies to understand user behavior and improve services
Preference cookies to remember your settings and personalization
Security cookies to protect against fraud and unauthorized access

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, services, or applicable laws. We will notify you of any material changes through email or prominent website notices.

We recommend reviewing this policy regularly to stay informed about how we protect your information. The "Last updated" date at the top of this page indicates when the most recent changes were made.

Privacy Policy