Information We Collect

Personal Information

When you create an account with lunastra-noviq, we collect basic details like your name, email address, and contact information. We also gather information about your budgeting preferences and financial goals to personalize your experience.

• Contact details including name, email, and phone number
• Account credentials and security information
• Financial goals and budgeting preferences you choose to share
• Communication preferences and notification settings

Usage Information

We track how you interact with our budgeting platform to improve functionality and user experience. This includes which features you use most, how you navigate the app, and what tools help you manage your finances effectively.

How We Use Your Information

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, there are specific situations where we may need to share certain data to provide our services or comply with legal requirements.

Sharing Purpose	Information Type	Recipients
Service Providers	Technical and usage data	Hosting, analytics, and support vendors
Legal Compliance	Account and transaction data	Government agencies when required
Business Operations	Aggregated, non-personal data	Business partners for service improvement

Your Privacy Rights Under Australian Law

Under the Privacy Act 1988 (Cth) and Australian Privacy Principles, you have specific rights regarding your personal information. We're committed to helping you exercise these rights easily and promptly.

Access and Correction

You can request access to the personal information we hold about you at any time. If you find any errors or want to update your details, just let us know and we'll make the necessary corrections within 30 days.

• Request a copy of all personal information we have on file
• Update or correct any inaccurate information
• Download your data in a portable format
• Receive information about how we've shared your data

Data Deletion and Retention

You can request deletion of your account and associated data. We typically retain financial records for seven years to comply with Australian taxation and business record requirements, but we'll remove unnecessary personal identifiers where possible.

Data Security and Protection

All financial data is encrypted both in transit and at rest. We use multi-factor authentication options and monitor accounts for suspicious activity. Our servers are located in Australian data centers that comply with local privacy regulations.

International Data Transfers

While we primarily store data in Australia, some service providers may process information overseas. When this happens, we ensure these providers meet Australian privacy standards and have appropriate safeguards in place.

Cookies and Tracking Technologies

We use cookies to remember your preferences, keep you logged in, and understand how you use our budgeting tools. You can control cookie settings through your browser, though some features may not work properly if you disable certain cookies.

• Essential cookies for login and security functions
• Preference cookies to remember your settings
• Analytics cookies to improve our service (anonymized data)
• No third-party advertising or tracking cookies

Changes to This Privacy Policy

We'll update this policy as our services evolve or regulations change. When we make significant changes, we'll notify you by email and through our platform at least 30 days before the changes take effect.

Minor updates, like clarifications or contact information changes, will be posted here with an updated date. We encourage you to review this policy periodically to stay informed about how we protect your information.