Information We Collect

When you work with kerentivax to plan your financial goals and budget, we collect different types of information to provide you with personalized guidance. The data we gather falls into several categories, each serving a specific purpose in helping you reach your financial objectives.

Personal Identification Information

We collect basic details that help us identify you and communicate effectively:

• Full name and date of birth
• Email address and phone number
• Residential address (Shop 62 Westfield Belconnen, Belconnen ACT 2617 format)
• Government-issued identification numbers when required for verification

Financial Information

To create meaningful budget plans and track your progress toward financial goals, we need to understand your current financial situation:

• Income sources and amounts
• Expense patterns and spending categories
• Savings goals and investment preferences
• Debt obligations and repayment schedules
• Bank account information for integration with our planning tools

Usage and Technical Data

Our platform automatically collects certain technical information to improve your experience and maintain security:

• IP address and browser type
• Device information and operating system
• Pages visited and features used within our platform
• Login timestamps and session duration
• Cookies and similar tracking technologies

How We Use Your Information

Your data powers the personalized budget planning experience that makes kerentivax effective. Here's what happens with the information you share with us.

Service Delivery and Personalization

The primary use of your data is straightforward—we create customized budget plans based on your unique financial situation. Your income, expenses, and goals get analyzed to generate actionable recommendations. We track your progress over time and adjust our guidance as your circumstances change.

Communication and Support

We use your contact details to send important updates about your account, respond to support requests, and share insights relevant to your financial goals. This includes email notifications about budget milestones, payment reminders, and occasional educational content about financial planning strategies.

Platform Improvement

Aggregated usage data helps us understand which features work well and where we can improve. We analyze patterns in how people use our budgeting tools to make the platform more intuitive and effective. Your individual data gets combined with others in anonymous form for these analyses.

Legal and Security Purposes

Sometimes we need to use your information to comply with Australian financial regulations, prevent fraud, or protect the security of our platform. This includes monitoring for suspicious activity, responding to legal requests, and maintaining audit trails as required by law.

Purpose	Legal Basis	Data Types Used
Budget Planning Services	Contract Performance	Financial data, personal details
Platform Improvements	Legitimate Interest	Usage data, technical information
Marketing Communications	Consent	Email address, preferences
Legal Compliance	Legal Obligation	All relevant data

Data Storage and Protection

Keeping your financial information secure is something we take seriously. We've implemented multiple layers of protection to prevent unauthorized access, loss, or misuse of your data.

Security Measures

All data transmitted between your device and our servers gets encrypted using industry-standard TLS protocols. Your financial information stays encrypted at rest in our databases. We use secure authentication methods and regularly update our security protocols to address emerging threats.

Our servers are hosted in Australian data centers that comply with relevant security standards. Access to your data is restricted to authorized personnel who need it to provide services or support. We conduct regular security audits and vulnerability assessments to identify and address potential risks.

Data Location

Your personal and financial information is primarily stored on servers located within Australia. This ensures compliance with Australian Privacy Principles and provides you with the protections afforded by local privacy laws.

Backup and Disaster Recovery

We maintain encrypted backups of your data to protect against accidental loss or system failures. These backups are stored securely and are subject to the same protection measures as primary data storage.

Data Sharing and Third Parties

While we don't sell your data, we do work with carefully selected service providers to deliver our budget planning services effectively. Here's who might access your information and why.

Service Providers

We partner with companies that help us operate our platform and deliver services to you. This includes cloud hosting providers, payment processors, and customer support tools. These partners can only access data necessary to perform their specific functions and are contractually obligated to protect your information.

Financial Institutions

If you connect your bank accounts to kerentivax for automated expense tracking, we use secure API connections provided by authorized financial data aggregators. These connections are read-only and require your explicit authorization. You can revoke access at any time through your account settings.

Legal Disclosures

We may disclose your information when required by Australian law, in response to valid legal processes, or to protect the rights and safety of kerentivax, our users, or others. We'll notify you of such disclosures unless legally prohibited from doing so.

Your Privacy Rights

Australian privacy law gives you significant control over your personal information. Here's what you can do and how to exercise these rights.

How to Exercise Your Rights

To make a privacy request, email us at info@kerentivax.com with "Privacy Request" in the subject line. Include your full name, account email, and specific details about your request. We'll verify your identity and respond within 30 days. If we need more time, we'll let you know why and when you can expect a response.

You also have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC) if you believe we've handled your personal information inappropriately.

Cookies and Tracking Technologies

kerentivax uses cookies and similar technologies to make our platform work properly and improve your experience. Some of these are essential for basic functionality, while others help us understand how people use our services.

Essential Cookies

These cookies are necessary for the platform to function. They enable core features like account authentication, security protections, and session management. You can't opt out of essential cookies without affecting basic functionality.

Analytics Cookies

We use analytics tools to understand how visitors interact with our platform. This helps us identify popular features, spot usability issues, and measure the effectiveness of improvements. Analytics data is aggregated and doesn't identify individual users.

Preference Cookies

These remember your settings and choices to personalize your experience. For example, they might store your preferred currency display format or dashboard layout.

Managing Cookie Preferences

You can control non-essential cookies through your account settings or browser configuration. Keep in mind that disabling certain cookies may limit functionality or require you to re-enter preferences each visit.

Children's Privacy

kerentivax's budget planning services are designed for adults managing their own finances or family budgets. We don't knowingly collect personal information from children under 18 without parental consent.

If you're a parent or guardian and believe your child has provided us with personal information without your consent, contact us immediately at info@kerentivax.com. We'll promptly delete such information from our systems.

Parents who want to use kerentivax to teach financial planning to their children should create accounts in their own name and supervise their children's use of the platform.

Changes to This Privacy Policy

We update this privacy policy occasionally to reflect changes in our practices, legal requirements, or platform features. When we make significant changes, we'll notify you via email and display a notice on our platform before the changes take effect.

The effective date at the top of this policy shows when it was last updated. We recommend reviewing this policy periodically to stay informed about how we protect your information.

Continuing to use kerentivax after policy changes take effect means you accept the updated terms. If you disagree with changes, you can close your account, though we'll still retain certain information as required by law.

International Users

While kerentivax primarily serves customers in Australia, we recognize that some users may access our services from other countries. If you're located outside Australia, please be aware that your information will be transferred to and processed in Australia, where our servers and primary operations are located.

Australian privacy laws provide strong protections for personal information, but they may differ from the laws in your country. By using kerentivax's services from outside Australia, you consent to the transfer and processing of your information in accordance with Australian law and this privacy policy.

California Privacy Rights

If you're a California resident accessing kerentivax's services, you have specific rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to request deletion, and the right to opt out of any sale of personal information.

kerentivax does not sell personal information to third parties. California residents can exercise their CCPA rights using the contact information provided below or through our privacy request process.