Privacy Policy
Effective Date: 1 February 2025
At helunavora, we know your financial information is personal. When you trust us with details about your net worth and financial goals, we take that responsibility seriously.
This policy explains what information we collect, why we need it, and how we protect it. We've written this in plain English because privacy policies shouldn't require a law degree to understand.
Information We Collect
Running a net worth calculation platform means we need certain information from you. Here's what we gather and why:
Account Information
- Your name and email address when you create an account
- Phone number (optional, but helpful if you need support)
- Password (encrypted and stored securely)
- Location data to ensure we're providing accurate Australian financial context
Financial Data You Provide
- Asset values (property, investments, savings)
- Liability information (mortgages, loans, credit cards)
- Income and expense figures you choose to track
- Financial goals and milestones you set
Technical Information
Like most websites, we automatically collect some technical data:
- IP address and general location
- Browser type and device information
- Pages you visit and how long you stay
- Time and date of your visits
How We Use Your Information
We're not in the business of selling your data. Everything we collect serves a specific purpose:
Primary Uses:
Calculate and display your net worth accurately. Track changes over time so you can see your progress. Send you updates about your account (with your permission). Improve our platform based on how people actually use it.
Communication
We'll email you about:
- Account security issues that need your attention
- Major updates to our platform or this policy
- Educational content about net worth management (you can opt out)
- Responses to your support requests
Platform Improvement
We look at aggregated, anonymous data to understand patterns. For instance, if lots of users struggle with a particular feature, we know to redesign it. But we never look at individual user data for research purposes without explicit permission.
Data Storage and Security
Your financial information deserves serious protection. Here's how we safeguard it:
| Security Measure | What It Means |
|---|---|
| 256-bit SSL Encryption | Data transferred between your device and our servers is scrambled |
| Encrypted Database | Your stored information is encrypted at rest |
| Regular Security Audits | Independent experts test our systems quarterly |
| Limited Staff Access | Only essential personnel can access user data, and all access is logged |
| Australian Data Centres | Your information stays within Australia |
We store your data on secure servers located in Sydney and Melbourne. This means your information is subject to Australian privacy laws, which are among the strictest in the world.
Your Rights Under Australian Privacy Law
The Privacy Act 1988 and Australian Privacy Principles give you specific rights. We comply fully with these requirements.
Access Your Data
You can download all your information at any time through your account settings. Want a comprehensive report? Email us and we'll send it within 30 days.
Correct Inaccurate Information
See something wrong? You can edit most data yourself through the dashboard. For account details that require verification, contact our support team.
Delete Your Account
You own your data. Delete your account anytime, and we'll remove your information within 14 days. We keep some records for legal compliance (like financial transaction logs) but all personal financial data gets permanently deleted.
Object to Processing
Don't want us using your data for a particular purpose? Let us know. We'll stop unless we have a legal obligation to continue.
To exercise any of these rights: Email info@helunavora.com with your request. We'll verify your identity and respond within 30 days. There's no charge for reasonable requests.
Sharing Your Information
We don't sell or rent your personal information. Period. But we do share data in limited circumstances:
Service Providers
Some companies help us run helunavora:
- Cloud hosting providers (Australian-based servers only)
- Email service providers for account notifications
- Analytics tools (data is anonymized before sharing)
- Payment processors if you subscribe to premium features
These partners can only access data necessary for their specific function, and they're contractually bound to protect it.
Legal Requirements
We'll disclose information if legally required to:
- Comply with court orders or subpoenas
- Cooperate with law enforcement investigating serious crimes
- Protect against fraud or security threats
- Enforce our terms of service
We've never received a government request for user data, but if we do, we'll notify affected users unless legally prohibited.
Cookies and Tracking
We use cookies, but we're picky about it. Here's what we track and why:
Essential Cookies
These keep you logged in and remember your preferences. Without them, the platform wouldn't work. They don't track you across other websites.
Analytics Cookies
We use these to understand how people use helunavora. They tell us things like "most users access the platform on mobile devices" or "people struggle to find the export feature." All analytics data is anonymized.
What We Don't Use
- No advertising cookies
- No social media tracking pixels
- No third-party behavioral tracking
You can disable non-essential cookies through your account settings or browser preferences. The platform works fine without them, though we won't be able to improve it as effectively.
Data Retention
We keep your information only as long as necessary:
| Data Type | Retention Period |
|---|---|
| Active account data | Duration of account plus 30 days |
| Financial calculations | 7 years (Australian financial record requirements) |
| Support communications | 3 years from last contact |
| Anonymous analytics | 2 years |
| Deleted account backups | 90 days (for accidental deletion recovery) |
After these periods, data is permanently deleted from our systems and backups.
International Data Transfers
Your data stays in Australia. We don't transfer information overseas. Our servers, backups, and all processing happen within Australian borders.
If this changes in the future, we'll notify you and ensure equivalent privacy protections apply.
Children's Privacy
helunavora isn't designed for children under 18. We don't knowingly collect information from minors. If you're under 18, please don't create an account.
Parents who discover their child has created an account should contact us immediately. We'll delete the account and associated data promptly.
Changes to This Policy
We update this policy occasionally as our platform evolves or laws change. When we make significant changes, we'll:
- Email you at least 30 days before the new policy takes effect
- Display a prominent notice when you log in
- Give you the option to review changes before continuing
Minor updates (like fixing typos or clarifying existing practices) won't trigger notifications, but we'll always update the effective date at the top of this page.
Complaints and Disputes
Not happy with how we've handled your information? We want to fix it.
First, contact us directly at info@helunavora.com. We'll investigate and respond within 30 days.
If you're still not satisfied, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent authority that oversees privacy compliance in Australia.
OAIC Contact: oaic.gov.au | 1300 363 992
Questions About Your Privacy?
We're here to help. Whether you want to access your data, understand how we use it, or just have a question, reach out anytime.