1 Information We Collect

Look, financial forecasting software needs data to work. But we only collect what's actually necessary. Here's what we gather and why it matters for your budgeting experience.

Personal Identification

When you create an account with repaltivaanvia, we collect your name, email address, and phone number. Pretty standard stuff. If you're a business user, we'll also need your company details and ABN. This helps us set up your account properly and lets us reach you when needed.

Financial Information

This is where it gets more specific. We collect transaction data, income details, and expense categories you input. Some users connect their bank accounts through secure APIs—when you do this, we receive read-only access to transaction history. We never store your banking passwords. Ever.

• Transaction amounts and descriptions
• Account balances and cash flow patterns
• Budget categories and spending limits you set
• Historical financial data for forecasting models
• Tax-related information if you use our reporting features

Technical Data

Like most online services, we automatically collect certain technical information. Your IP address, browser type, device information, and how you interact with our platform. This helps us fix bugs, improve performance, and honestly—spot suspicious activity that might indicate your account's been compromised.

2 How We Use Your Information

We're not in the business of selling your data. Our business model is simple—you pay for software, we provide forecasting tools. Here's exactly what we do with the information we collect.

3 Data Storage and Security

Your financial data lives on secure servers located in Australia. We use AWS Sydney region infrastructure, which means your information stays within Australian jurisdiction. All data is encrypted both in transit and at rest using industry-standard protocols.

Our security measures include multi-factor authentication options, regular security audits, automated threat detection, and strict access controls. Only essential personnel can access customer data, and every access is logged. We perform penetration testing quarterly and maintain ISO 27001 certification.

Data Retention

We keep your active account data for as long as you're a customer. After account closure, we retain financial records for seven years—that's the requirement under Australian tax law. Then it's permanently deleted. Transaction logs and support tickets get archived for compliance purposes but are anonymized after 24 months.

4 Sharing and Disclosure

We don't sell your information. Full stop. But there are specific circumstances where we share data with third parties, and you should know about them.

Service Providers

We work with carefully vetted partners who help us run the service. Payment processors handle transactions. Cloud hosting providers store data. Email services deliver notifications. These companies are contractually obligated to protect your information and can only use it for the specific services they provide to us.

Banking Integrations

When you connect your bank account, we use secure third-party aggregation services. These services maintain read-only connections and are certified under Australian banking security standards. We never see or store your banking credentials.

Legal Requirements

Sometimes we're legally required to disclose information. Court orders, regulatory investigations, or law enforcement requests with proper warrants. We'll notify you unless legally prevented from doing so. In 2024, we received three such requests and challenged one that we believed was overly broad.

5 Your Rights Under Australian Privacy Law

The Australian Privacy Principles give you significant control over your personal information. Here's what you can do and how to exercise these rights.

To exercise any of these rights, email us at support@repaltivaanvia.com with "Privacy Request" in the subject line. We'll verify your identity and process your request within 30 days. If we need to deny a request for legal reasons, we'll explain why.

6 Cookies and Tracking

We use cookies—small text files stored on your device. They remember your login status, preferences, and help us understand how people use repaltivaanvia. You can control cookies through your browser settings, though some features might not work properly if you disable them entirely.

Types of Cookies We Use

• Essential cookies that make the platform function (login sessions, security tokens)
• Preference cookies that remember your settings and customizations
• Analytics cookies that help us understand user behavior (we use privacy-focused analytics)
• Performance cookies that help us identify and fix technical issues

We don't use advertising cookies or share cookie data with ad networks. Our analytics are anonymized and used solely for improving the product.

7 International Data Transfers

Your data primarily stays in Australia. However, some of our service providers operate globally. When data is transferred internationally, we ensure appropriate safeguards are in place—typically through Standard Contractual Clauses that meet Australian privacy standards.

For example, our customer support ticketing system has servers in the United States. Any personal information in support tickets is encrypted and subject to contractual privacy protections equivalent to Australian law.

8 Children's Privacy

repaltivaanvia is designed for adults managing personal or business finances. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it.

9 Changes to This Policy

Privacy laws evolve. Our practices evolve. When we update this policy, we'll post the new version here and update the date at the top. For significant changes, we'll email you directly at least 30 days before they take effect. You'll have time to review the changes and decide whether to continue using repaltivaanvia.

We keep previous versions archived if you want to review what's changed over time. Just ask and we'll provide them.

10 Complaints and Disputes

If you're unhappy with how we've handled your personal information, please tell us first. We take complaints seriously and investigate thoroughly. Email your concern to support@repaltivaanvia.com with "Privacy Complaint" in the subject line.

We'll acknowledge your complaint within five business days and provide a detailed response within 30 days. If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). Their contact details are available at oaic.gov.au.