Privacy Policy

Last Updated: February 15, 2025

At provenalixa, we understand that managing your personal finances requires trust. When you use our simple budgeting tools and educational resources, you're sharing sensitive information with us. This privacy policy explains exactly how we collect, use, protect, and store your data.

We've written this policy in plain English because financial privacy shouldn't be complicated. If something isn't clear, we encourage you to contact us directly.

Privacy Questions? Contact our privacy team at support@provenalixa.com or call +61 882 128 066 during business hours.

Information We Collect

Account and Profile Information

When you create an account with provenalixa, we collect basic information needed to provide our budgeting services. This includes your name, email address, and phone number. We also store any profile preferences you set, like your preferred currency display or budget categories.

Financial Data You Choose to Share

Our budgeting tools work because you share financial information with us. This might include income amounts, expense categories, savings goals, and transaction details you manually enter. We never access your bank accounts directly unless you explicitly connect them through our secure third-party integration partners.

Types of financial data we may store:
  • Income and salary information you provide
  • Expense categories and amounts you track
  • Budget goals and targets you set
  • Transaction descriptions and notes you add
  • Financial goals and milestone tracking data

Technical Information

Like most websites, we automatically collect certain technical information when you visit provenalixa.com. This includes your IP address, browser type, device information, and how you navigate through our site. We use this data to keep our service running smoothly and identify potential security issues.

Communication Records

We keep records of emails, support tickets, and other communications you have with our team. This helps us provide better customer service and resolve any issues you might encounter with our budgeting tools.

How We Use Your Information

Providing Our Budgeting Services

Your financial data powers the core features of provenalixa. We use this information to generate budget reports, track your spending patterns, send spending alerts, and provide personalised recommendations for your financial goals.

Account Management and Support

We use your contact information to manage your account, send important service updates, and respond to support requests. This includes password reset emails, security notifications, and updates about new features that might help with your budgeting.

Improving Our Services

We analyse usage patterns and feedback to make provenalixa better. This might involve studying which budgeting features are most helpful or identifying common challenges users face. We always use aggregated, anonymised data for these improvements.

Legal and Security Requirements

Sometimes we need to use your information to comply with Australian financial regulations, respond to legal requests, or protect against fraud and security threats. We only do this when legally required or when necessary to protect our users and service.

Information Sharing and Disclosure

Service Providers

We work with trusted third-party companies to provide certain aspects of our service. This includes cloud hosting providers for data storage, email service providers for account communications, and analytics tools to understand how people use our budgeting features.

All service providers sign strict confidentiality agreements and are only allowed to use your data for the specific services they provide to us. They cannot use your information for their own purposes.

Bank Integration Partners

If you choose to connect your bank accounts to provenalixa, we use secure third-party services that specialise in financial data connections. These partners are regulated under Australian financial services laws and use bank-level security to protect your information.

Legal Requirements

We may disclose your information if required by Australian law, court orders, or government requests. This might include responding to subpoenas, fraud investigations, or other legal processes. We'll always notify you when possible, unless legally prohibited from doing so.

What We Don't Share

We never sell your personal financial information to marketers, advertisers, or data brokers. We don't share your specific budgeting data with other users, and we don't use your financial information for advertising purposes.

Your Rights and Control

Under Australian privacy law, you have several important rights regarding your personal information. Here's how you can exercise these rights with provenalixa:

Access Your Data

You can download a copy of all personal information we hold about you. Log into your account and visit Settings > Privacy, or contact our support team for assistance.

Correct Information

Update your profile, financial data, or account details anytime through your account dashboard. For information you can't edit yourself, contact us and we'll make corrections within 5 business days.

Delete Your Account

You can permanently delete your provenalixa account and all associated financial data. Visit Settings > Account > Delete Account, or email us at support@provenalixa.com with your deletion request.

Data Portability

Export your budgeting data in common formats (CSV, PDF) to use with other financial tools. This feature is available in your account settings under Data Export.

Restrict Processing

Ask us to limit how we use your information in certain circumstances. Contact our privacy team to discuss your specific situation and requirements.

Withdraw Consent

Stop us from processing information where we rely on your consent. This might affect some service features, but core budgeting functionality will remain available.

How to Exercise Your Rights

For most data requests, log into your provenalixa account and use the privacy controls in your settings. For complex requests or if you need assistance, email our privacy team at support@provenalixa.com. Include "Privacy Request" in the subject line and clearly describe what you need.

We'll respond to privacy requests within 30 days. If we need more time due to the complexity of your request, we'll let you know and explain the delay.

How We Protect Your Information

Financial data requires serious security measures. Here's how we protect your information:

No security system is perfect, but we continuously invest in protecting your financial privacy. If we ever detect a security incident that affects your data, we'll notify you immediately and explain what happened and what we're doing about it.

Data Retention and Deletion

Active Account Data: We keep your budgeting data and account information as long as your account remains active. This ensures you can access your financial history and track long-term budget trends.

Inactive Accounts: If you haven't logged in for 18 months, we'll email you before archiving your account data. Archived data is stored securely for an additional 12 months, then permanently deleted.

Deleted Accounts: When you delete your account, we immediately remove access to your data and begin permanent deletion. Most data is eliminated within 7 days, though some backup systems may take up to 90 days to completely purge all traces.

Legal Hold Requirements: In rare cases, we may need to retain certain data longer due to legal obligations, ongoing disputes, or regulatory requirements. We'll notify you if this applies to your information.

Transaction Logs: For security and fraud prevention, we keep anonymised transaction logs (without personal identifiers) for up to 2 years after account deletion.

International Data Transfers

Where Your Data Is Stored

provenalixa primarily stores Australian user data within Australia using local data centres. However, some of our service providers operate internationally, which means your information might occasionally be processed in other countries.

International Transfer Safeguards

When we transfer data internationally, we ensure adequate protection through:

  • Contractual safeguards that require foreign processors to meet Australian privacy standards
  • Adequacy decisions recognising countries with equivalent privacy protections
  • Certification schemes and binding corporate rules for multinational service providers
  • Regular audits of international partners' security and privacy practices

You can request details about where your specific data is stored or processed by contacting our privacy team.

Cookies and Tracking

Essential Cookies

provenalixa uses necessary cookies to keep you logged in, remember your preferences, and ensure our budgeting tools work properly. These cookies don't track you across other websites and are essential for basic functionality.

Analytics and Performance

We use analytics cookies to understand how people use our budgeting features. This helps us identify confusing interface elements or popular features that need improvement. You can opt out of analytics tracking in your account settings.

Managing Cookie Preferences

Most web browsers let you control cookie settings. However, disabling essential cookies may prevent certain provenalixa features from working properly. We don't use advertising cookies or cross-site tracking technologies.

Updates to This Policy

We update this privacy policy when we add new features, change how we handle data, or need to comply with new regulations. Significant changes will be emailed to all active users at least 30 days before taking effect.

Minor updates (like clarifying existing practices or fixing typos) will be posted directly to this page with an updated "Last Modified" date. We encourage you to review this policy periodically, especially before sharing new types of financial information with us.

If you disagree with policy changes, you can delete your account before the changes take effect. Continuing to use provenalixa after the effective date means you accept the updated privacy practices.