Introduction and Overview

feralionquest ("we," "us," or "our") operates feralionquest.com and provides budget consolidation services to individuals and businesses across Australia. We understand that your financial information is sensitive, and we're committed to protecting your privacy while delivering the tools you need to manage your finances effectively.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us. By accessing or using our services, you agree to the collection and use of information in accordance with this policy and applicable Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

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, each serving specific purposes in delivering our financial management tools.

How We Use Your Information

Your information helps us provide personalized budget consolidation services and improve our platform. We use your data to create comprehensive financial overviews, categorize your expenses automatically, and provide insights that help you make better financial decisions.

• Process transactions and maintain accurate financial records within your consolidated budget dashboard
• Provide customer support and respond to your inquiries about our services or your account
• Send service-related communications, including security alerts and account notifications
• Analyze usage patterns to improve our budget consolidation algorithms and user experience
• Comply with legal obligations and prevent fraudulent activities on our platform
• Develop new features and services that better serve your financial management needs

Information Sharing and Disclosure

We maintain strict controls over how your information is shared. We only disclose your personal information in specific circumstances and always in accordance with Australian privacy laws.

Service providers who help us operate our platform may access certain information, but only what's necessary to perform their functions. These include cloud hosting providers, payment processors, and customer support platforms. All service providers are contractually bound to protect your information and use it only for specified purposes.

We may share aggregated, non-personally identifiable information for research or marketing purposes. This might include general usage statistics or demographic trends, but never in a way that could identify individual users.

Legal disclosure may occur if required by law, court order, or government regulation. We may also disclose information to protect our rights, prevent fraud, or ensure the safety of our users and platform.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We've designed our systems to make exercising these rights as straightforward as possible.

To exercise any of these rights, contact us using the information provided below. We'll respond to your request within 30 days and may ask for additional information to verify your identity before processing certain requests.

Data Security and Protection

Protecting your financial information is our highest priority. We implement multiple layers of security to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

Our security measures include encryption of sensitive data both in transit and at rest, regular security audits and penetration testing, secure development practices, and restricted access controls for our team members. We use industry-standard SSL encryption for all data transmission and store your information on secure servers with advanced firewall protection.

While we implement robust security measures, no system is completely secure. We recommend you use strong, unique passwords and enable two-factor authentication when available. Never share your login credentials with others, and contact us immediately if you suspect unauthorized access to your account.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of information have different retention periods based on their purpose and legal requirements.

Account information and financial data are typically retained for seven years after account closure to comply with Australian financial record-keeping requirements. Usage data and technical logs are generally deleted after two years unless needed for ongoing security or fraud prevention purposes.

When you delete your account, we begin the deletion process immediately for information not subject to legal retention requirements. Some backup copies may persist in our systems for up to 90 days as part of our disaster recovery procedures.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These small files help us remember your preferences, keep you logged in, and understand how you use our services.

Essential cookies are necessary for our website to function properly and cannot be disabled. Analytics cookies help us understand user behavior and improve our services. You can control non-essential cookies through your browser settings, though disabling them may limit some functionality.

International Data Transfers

Your information is primarily stored and processed within Australia. However, some of our service providers may process data in other countries with adequate privacy protections. When international transfers occur, we ensure appropriate safeguards are in place to protect your information.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We'll notify you of significant changes through email or prominent notices on our website. The effective date at the top of this policy indicates when the latest changes were made.

We encourage you to review this policy regularly to stay informed about how we protect your information. Continued use of our services after changes become effective constitutes acceptance of the updated policy.

Contact Information for Privacy Matters

If you're not satisfied with our response to your privacy complaint, you can contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by calling 1300 363 992.