Information We Collect

We collect different types of information depending on how you interact with our services. Here's what that looks like in practice.

Personal Information You Provide

When you sign up for our financial planning tools or contact us for support, you might share:

• Your name, email address, and phone number
• Payment details when you subscribe to premium features
• Financial goals and preferences you enter into our planning tools
• Communication records when you reach out to our support team

Information Collected Automatically

Like most online services, we gather some technical data automatically:

• Device information including browser type and operating system
• IP address and general location data
• How you navigate through our platform and which features you use
• Cookies and similar tracking technologies (more on this below)

How We Use Your Information

We don't collect data just for the sake of it. Everything we gather serves a specific purpose in making our services work better for you.

Data Protection and Security

Your financial information deserves serious protection. We use industry-standard security measures, but we also want you to understand what that actually involves.

Beyond encryption, we maintain strict internal access controls. Only authorized team members can view your data, and only when necessary for support or service delivery. We log all access for audit purposes.

That said, no online system is completely immune to threats. We do our best to protect your information, but we can't guarantee absolute security. You can help by using strong passwords and keeping your login credentials private.

Your Privacy Rights

Under the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs), you have specific rights regarding your personal information. Here's how you can exercise them:

To exercise any of these rights, send an email to support@paxiuranerio.com with your request. We'll need to verify your identity before processing certain requests, which might take a few business days.

Data Sharing and Third Parties

We don't sell your personal information to anyone. Period. But we do work with specific service providers who help us run our business:

• Payment processors who handle subscription transactions securely
• Cloud hosting providers based in Australia who store our data
• Analytics services that help us understand how people use our platform
• Email service providers who deliver our communications

These partners are contractually required to protect your data and can only use it for the specific services they provide to us. They can't use your information for their own marketing or other purposes.

Cookies and Tracking

We use cookies and similar technologies to make our service work properly. Some are essential for basic functionality, while others help us improve your experience.

Essential Cookies

These keep you logged in and remember your preferences. You can't opt out of these without affecting how the service works.

Analytics Cookies

These help us understand which features people use most and where they encounter problems. You can disable these in your browser settings if you prefer.

Most browsers let you control cookies through their settings. Keep in mind that blocking all cookies might prevent some features from working correctly.

Data Retention

We keep your information for as long as your account is active, plus a reasonable period afterward. Here's the breakdown:

• Active account data is retained indefinitely while you use our services
• After account deletion, most personal data is removed within 90 days
• Financial transaction records are kept for 7 years to comply with Australian tax laws
• Support correspondence is retained for 3 years
• Anonymized usage statistics may be kept indefinitely for research purposes

If you want your data deleted sooner, contact us and we'll do our best to accommodate your request while meeting our legal obligations.

Children's Privacy

Our services are designed for adults managing their finances. We don't knowingly collect information from anyone under 18 years old. If you're a parent and believe your child has provided us with personal information, please contact us immediately so we can delete it.

Changes to This Policy

We 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 our platform.

The "Last Updated" date at the top of this page shows when the most recent changes were made. We encourage you to review this policy periodically to stay informed about how we protect your information.