Introduction

pyralithque ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website pyralithque.com or use our budget consolidation services.

This policy complies with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and the Australian Consumer Law. We respect your rights regarding your personal information and are committed to handling your data with care and transparency.

Information We Collect

We collect various types of information to provide and improve our budget consolidation services. The information we collect falls into several categories:

How We Use Your Information

We use the information we collect for legitimate business purposes related to providing our budget consolidation services. Your information helps us deliver personalized financial management tools and maintain service quality.

• Provide and maintain our budget consolidation platform and related services
• Process your requests, respond to inquiries, and provide customer support
• Personalize your experience and improve our service offerings
• Send you important updates about your account, service changes, or security alerts
• Analyze usage patterns to enhance our platform's functionality and user experience
• Comply with legal obligations and protect our rights and interests
• Detect and prevent fraud, security breaches, or other potentially harmful activities

Information Sharing and Disclosure

We understand that your financial information is highly sensitive. We do not sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information only in the following limited circumstances:

• With your explicit consent or at your direction
• With trusted service providers who assist in operating our platform, subject to confidentiality agreements
• When required by Australian law, regulation, or valid legal process
• To protect the rights, property, or safety of pyralithque, our users, or the public
• In connection with a business transaction, such as a merger or acquisition, with appropriate protections in place

Any service providers we work with are carefully vetted and bound by strict confidentiality agreements. They are permitted to use your information only for the specific services they provide to us and must maintain the same level of data protection we do.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security practices include both technical and administrative safeguards.

• Industry-standard encryption for data transmission and storage
• Regular security audits and vulnerability assessments
• Access controls limiting who can view or modify your information
• Employee training on privacy and security best practices
• Secure servers hosted in certified Australian data centers
• Regular backups and disaster recovery procedures

Your Privacy Rights

Under Australian privacy law, you have several important rights regarding your personal information. We respect these rights and provide clear processes for exercising them:

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to correct any inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal requirements
• Portability: Request your data in a structured, commonly used format
• Restriction: Ask us to limit how we use your information in certain circumstances
• Objection: Object to certain uses of your information, particularly for marketing
• Complaint: Lodge a complaint about our handling of your personal information

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within 30 days and may require verification of your identity for security purposes.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this privacy policy, comply with legal obligations, resolve disputes, and enforce our agreements.

Generally, we retain account information for active users indefinitely to maintain service continuity. For inactive accounts, we may delete personal information after 3 years of inactivity, though we may retain anonymized usage data for analytical purposes. Financial data you input for budget consolidation is retained based on your account settings and can be deleted at your request.

When we delete your information, we do so securely and completely, including from backup systems, except where retention is required by law or for legitimate business purposes such as fraud prevention.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your browsing experience, analyze site usage, and provide personalized content. Cookies are small text files stored on your device that help us remember your preferences and improve our services.

We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device for a specified period). You can control cookie settings through your browser preferences, though disabling certain cookies may affect site functionality.

We also use web analytics services to understand how visitors interact with our site. These services may collect information such as page views, time spent on site, and click patterns, which helps us improve our user experience.

International Data Transfers

Your personal information is primarily stored and processed within Australia. However, some of our trusted service providers may be located overseas, particularly for technical infrastructure and customer support services.

When we transfer your information internationally, we ensure appropriate safeguards are in place, including data processing agreements, adequacy decisions, or other approved transfer mechanisms. We only work with providers in countries with adequate privacy protections or who agree to maintain Australian-equivalent privacy standards.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will notify you through email or prominent notice on our website at least 30 days before the changes take effect.

We encourage you to review this policy regularly to stay informed about how we protect your information. Your continued use of our services after any modifications indicates your acceptance of the updated policy.

Previous versions of this policy are archived and available upon request if you need to reference earlier terms that applied to your use of our services.