Privacy Policy

Information We Collect

When you use panthirevox's budget calendar planning platform, we collect various types of information to provide you with personalised financial planning services. This includes information you provide directly when creating your account, as well as data generated through your use of our services.

How We Use Your Information

Your personal and financial information enables us to deliver comprehensive budget planning services tailored to your specific needs. We process this data to create personalised calendar views, generate spending insights, and provide relevant financial planning recommendations.

We also use aggregated, anonymised data to improve our platform's functionality and develop new features that benefit all users. Your individual financial details are never shared in ways that could identify you personally without your explicit consent.

Your Privacy Rights Under Australian Law

Under the Australian Privacy Principles (APPs) and Privacy Act 1988, you have specific rights regarding your personal information. We're committed to honouring these rights and providing clear processes for you to exercise them.

Data Security and Protection

Protecting your financial information is our highest priority. We employ multiple layers of security measures, including industry-standard encryption, secure data centres, and regular security audits conducted by independent third parties.

All data transmissions are protected using TLS 1.3 encryption, and we store your information in secure Australian data centres that comply with ISO 27001 security standards. Our staff undergo regular privacy and security training to ensure they handle your information appropriately.

Data Retention and Deletion

We retain your personal information only for as long as necessary to provide our services and comply with Australian legal requirements. Financial planning data is kept for seven years after account closure to meet regulatory obligations, while marketing preferences and usage analytics are deleted within two years.

When you request account deletion, we begin the removal process immediately, though some information may be retained in secure, isolated systems to comply with legal obligations. You can request early deletion of specific data categories through your account settings or by contacting our privacy team.

Third-Party Services and Data Sharing

panthirevox works with carefully selected third-party service providers to deliver our budget planning platform effectively. These partners include cloud infrastructure providers, payment processors, and analytics services, all of whom are contractually bound to protect your information according to Australian privacy standards.

We never sell your personal information to third parties for marketing purposes. Any data sharing occurs only when necessary to provide our services, with appropriate safeguards in place and your data remaining protected by Australian privacy law even when processed overseas.

Updates to This Policy

We review and update this privacy policy annually or whenever significant changes occur to our data processing practices. When updates are made, we'll notify you via email and display a notice on our platform for at least 30 days before the changes take effect.

Significant changes that affect how we handle your financial data will require your explicit consent before implementation. You can always access the current version of this policy from any page on our platform.