What Information We Collect

Look, we only collect what we actually need to make our budget analysis tools work for you. Nothing more, nothing less.

We don't connect to your bank accounts directly. You enter the information manually, which means you stay in control of what we see.

How We Use Your Information

Your data serves specific purposes. Here's what happens with it:

• Creating and maintaining your budget analysis reports
• Sending you educational content about financial management (if you've opted in)
• Responding to your questions and support requests
• Improving our platform based on how people actually use it
• Detecting and preventing fraudulent activity or security issues
• Complying with legal requirements when necessary

We analyze aggregated, anonymized data to understand trends and improve our educational resources. But your specific financial details? Those stay private.

Who We Share Information With

We're selective about this. Your financial information isn't for sale, and we don't hand it out freely.

Service Providers

We work with a few carefully chosen companies that help us run our platform:

• Cloud hosting providers for secure data storage
• Email service providers for sending you updates and educational content
• Analytics providers to understand how our platform is being used
• Payment processors for handling subscription payments

These providers are bound by contract to use your information only for the specific services they provide to us.

Legal Requirements

Sometimes we have to share information because Australian law requires it. This includes responding to court orders, government requests, or regulatory requirements. We'll only share what's legally necessary.

Business Transfers

If bemariona gets acquired or merges with another company, your information would transfer to the new owner. We'd let you know before this happens.

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. And yes, we actually honor them.

Data Security

We take security seriously because financial information deserves serious protection.

• All data transmitted between your device and our servers uses TLS encryption
• Your financial information is encrypted at rest using industry-standard AES-256 encryption
• We use multi-factor authentication for account access
• Our systems undergo regular security audits and penetration testing
• Access to your data is restricted to employees who need it for their jobs
• We maintain detailed logs of who accesses what and when

But here's the thing — no system is completely bulletproof. We do everything reasonable to protect your information, but we can't guarantee absolute security. That's just honest.

Data Retention

We keep your information for as long as your account is active, plus a reasonable period afterward.

Active Accounts

While you're using bemariona, we keep all your financial data and account information so you can access your historical budget analyses and track progress over time.

Closed Accounts

After you close your account, we delete your personal and financial information within 90 days. We might keep some anonymized data for analytics and improvement purposes.

Legal Requirements

Australian law requires us to keep certain financial records for seven years. If that applies to your account, we'll retain only what's legally necessary and delete everything else.

International Data Transfers

Your data is primarily stored on servers located in Australia. However, some of our service providers operate globally, which means your information might be processed or stored overseas.

When we transfer data internationally, we ensure the receiving country has adequate privacy protections or we use contractual safeguards to protect your information. Currently, this might include transfers to:

• United States for cloud hosting services
• Singapore for data processing and analytics
• European Union for email delivery services

All international transfers comply with the Australian Privacy Principles regarding cross-border disclosure of personal information.

Cookies and Tracking

We use cookies and similar technologies to make our platform work properly and understand how it's being used.

Essential Cookies

These keep you logged in and remember your preferences. You can't disable these without breaking the platform.

Analytics Cookies

We use these to understand which features people use and where they run into problems. This helps us improve the platform. You can opt out of these in your account settings.

Third-Party Cookies

We don't use advertising cookies or allow third-party advertisers on our platform. Your financial planning journey doesn't need that kind of tracking.

Children's Privacy

bemariona isn't designed for children under 18. We don't knowingly collect information from minors. If we discover we've accidentally collected data from someone under 18, we'll delete it promptly.

If you're a parent and believe your child has provided us with personal information, contact us at help@bemariona.com and we'll handle it immediately.

Changes to This Policy

We'll update this policy occasionally as our platform evolves or laws change. When we make significant changes, we'll notify you by email or through a prominent notice on the platform.

The "Last updated" date at the top tells you when the most recent changes were made. We recommend reviewing this policy periodically to stay informed about how we're protecting your information.

Continuing to use bemariona after we post changes means you accept the updated policy.

Australian Privacy Principles Compliance

This privacy policy is designed to comply with the Australian Privacy Principles (APPs) outlined in the Privacy Act 1988. We're committed to handling your personal information responsibly and transparently.

If you believe we've breached the APPs or handled your information inappropriately, you can lodge a complaint with us first. If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC).