Privacy Policy
Your privacy matters to us. This policy explains how novelariqueth collects, uses, and protects your personal information when you use our budget psychology platform.
Last Updated: March 15, 2025Information We Collect
When you interact with novelariqueth's budget psychology platform, we collect various types of information to provide you with personalized financial insights and educational resources. Understanding what we collect helps you make informed decisions about your privacy.
Personal Information You Provide
- Account registration details including name, email address, and contact information
- Financial goals and budget preferences you share during onboarding
- Survey responses about spending habits and financial mindset
- Communication preferences and notification settings
- Support inquiries and feedback submissions
- Learning program enrollment and progress tracking data
Automatically Collected Information
Our platform automatically gathers technical information to improve your experience and ensure security. This includes device information, browser type, IP address, and usage patterns within our educational modules.
| Data Type | Purpose | Retention Period |
|---|---|---|
| Login Activity | Security monitoring | 90 days |
| Learning Progress | Personalized recommendations | Until account deletion |
| Usage Analytics | Platform improvement | 24 months |
How We Use Your Information
Your information helps us deliver personalized budget psychology insights and create meaningful learning experiences. We're committed to using your data responsibly and only for purposes that benefit your financial education journey.
- Providing personalized budget recommendations based on psychological spending patterns
- Delivering educational content tailored to your financial goals and learning style
- Sending relevant course suggestions and learning program updates
- Analyzing platform usage to improve our educational tools and resources
- Ensuring account security and preventing unauthorized access
- Responding to customer support requests and providing technical assistance
- Complying with legal obligations and regulatory requirements
We never sell your personal information to third parties. Your financial data and learning progress remain confidential and are used solely to enhance your educational experience on our platform.
Information Sharing and Disclosure
novelariqueth takes a conservative approach to information sharing. We only share your data in specific circumstances that directly support your use of our platform or when required by law.
Service Providers
We work with trusted third-party service providers who help us operate our platform. These partners include cloud hosting services, email communication platforms, and analytics tools. All service providers are contractually bound to protect your information and use it only for specified purposes.
Legal Requirements
We may disclose your information when required by Australian law, court orders, or regulatory requests. This includes situations involving fraud prevention, security investigations, or compliance with financial services regulations.
- Law enforcement requests with proper legal documentation
- Court orders or subpoenas requiring information disclosure
- Regulatory compliance for financial education services
- Emergency situations involving imminent harm or danger
Data Security and Protection
Protecting your information is fundamental to our operations. We implement multiple layers of security to safeguard your personal and financial data against unauthorized access, theft, and misuse.
Technical Safeguards
- End-to-end encryption for all data transmission and storage
- Regular security audits and penetration testing
- Multi-factor authentication for account access
- Automated monitoring for suspicious activity
- Secure backup systems with encrypted data storage
- Regular software updates and security patches
Operational Security
Our team follows strict security protocols including background checks for staff with data access, regular security training, and limited access principles. Only authorized personnel can access user data, and all access is logged and monitored.
Your Privacy Rights
You have significant control over your personal information. Australian privacy laws grant you specific rights regarding your data, and we've made it easy to exercise these rights through your account settings or by contacting our privacy team.
Access and Correction
You can access and update most of your personal information directly through your account dashboard. For more comprehensive data requests or corrections that can't be made through your account, contact our privacy team using the information provided below.
- Log into your novelariqueth account and navigate to Privacy Settings
- Review your current information and make necessary updates
- Submit requests for data access, correction, or deletion
- Receive confirmation within 5 business days
- Access your requested information within 30 business days
Data Portability and Deletion
You can request a copy of your data in a portable format or ask us to delete your account and associated information. Data deletion requests are processed within 30 days, though some information may be retained for legal compliance purposes.
Important: Deleting your account will permanently remove your learning progress, personalized recommendations, and saved preferences. Consider downloading your data before requesting account deletion.
Cookies and Tracking Technologies
novelariqueth uses cookies and similar technologies to enhance your browsing experience, remember your preferences, and analyze platform usage. You have control over cookie settings and can manage them through your browser or account preferences.
Types of Cookies We Use
- Essential cookies for basic platform functionality and security
- Performance cookies to analyze usage and improve our services
- Preference cookies to remember your settings and customizations
- Educational tracking cookies to monitor learning progress
You can disable non-essential cookies through your browser settings, though this may limit some platform features. Essential cookies required for security and basic functionality cannot be disabled while using our services.
International Data Transfers
While novelariqueth operates primarily within Australia, some of our service providers may process data internationally. We ensure all international transfers comply with Australian privacy laws and include appropriate safeguards to protect your information.
When data is transferred outside Australia, we use standard contractual clauses, adequacy decisions, or other approved mechanisms to ensure your information receives equivalent protection to Australian privacy standards.
Children's Privacy
novelariqueth's budget psychology platform is designed for adults aged 18 and older. We do not knowingly collect personal information from children under 18. If we discover that we have inadvertently collected information from a minor, we will delete it immediately.
Parents or guardians who believe their child has provided information to novelariqueth should contact us immediately using the details provided in this policy.
Policy Updates and Changes
We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. Significant changes will be communicated through email notifications and prominent notices on our platform.
Your continued use of novelariqueth after policy updates constitutes acceptance of the revised terms. We encourage you to review this policy periodically to stay informed about how we protect your information.
Contact Us
If you have questions about this privacy policy or want to exercise your privacy rights, our team is here to help.
Address: 6A East, 33 Mackey St, North Geelong VIC 3215, Australia
Phone: +61 8 8211 7642
Email: info@novelariqueth.com
Our privacy team typically responds to inquiries within 2 business days and aims to resolve requests within 30 days.