Information We Collect

When you work with caurithen, we gather different types of information. Some you give us directly. Some we collect as you use our services. Here's what that looks like:

Personal Details You Provide

• Account information: Your name, email address, phone number, and mailing address when you sign up
• Financial data: Income details, expense patterns, account balances, and financial goals you share with us
• Identity verification: Documents like driver's licence or passport details, which Australian regulations require us to collect
• Communication records: When you contact us through email, phone, or chat, we keep those records
• Payment information: Billing details for our services, though our payment processors handle the sensitive bits

Technical Information We Gather

• Device data: Your IP address, browser type, operating system, and device identifiers
• Usage patterns: How you navigate our platform, which features you use, and when you access our services
• Location data: General location based on IP address (not precise GPS tracking)
• Cookies and similar tech: Small files that help us remember your preferences and improve your experience

How We Use Your Information

We don't collect data just for the sake of it. Everything we gather serves a purpose in helping you understand and improve your financial situation.

• Service delivery: Analysing your financial stability, generating reports, and providing personalized insights
• Account management: Setting up and maintaining your account, processing payments, and handling service requests
• Communication: Sending you important updates, responding to your questions, and sharing relevant financial education content
• Platform improvement: Understanding how people use our services so we can make them better
• Security and fraud prevention: Protecting your account and detecting suspicious activity
• Legal compliance: Meeting our obligations under Australian financial services regulations
• Research and development: Creating better analysis tools and features (always with anonymized data)

We won't sell your personal information to third parties. Period. That's not our business model, and honestly, it shouldn't be anyone's.

Sharing Your Information

Sometimes we need to share information with others to provide our services. But we're selective about who gets access and why.

Service Providers

We work with trusted companies that help us operate our platform. These might include:

• Cloud hosting providers who store data securely
• Payment processors who handle transactions
• Analytics services that help us understand user behaviour
• Customer support platforms
• Email and communication services

All these providers are contractually required to protect your information and can only use it for the specific purposes we authorize.

Legal Requirements

We may disclose information when required by Australian law or in response to valid legal processes. This includes court orders, subpoenas, or requests from law enforcement when properly authorized.

Business Transfers

If caurithen merges with another company or transfers ownership, your information may be part of that transaction. We'd notify you beforehand and ensure your data remains protected.

Your Privacy Rights

Under Australian privacy law, you have significant control over your personal information. Here's what you can do:

How to Exercise Your Rights

Send requests to help@caurithen.com with "Privacy Request" in the subject line. We'll need to verify your identity before processing any requests, which usually takes less than a week.

If you're not satisfied with how we handle your privacy concerns, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au

Data Security Measures

We protect your information using industry-standard security practices. This isn't just about compliance – it's about earning and keeping your trust.

• Encryption: All data transmitted between your device and our servers uses TLS encryption. Sensitive information is also encrypted at rest.
• Access controls: Only authorized staff can access personal information, and only when necessary for their role.
• Regular security audits: We conduct vulnerability assessments and penetration testing to identify and fix potential weaknesses.
• Secure infrastructure: Our cloud providers meet SOC 2 and ISO 27001 standards for information security.
• Employee training: Everyone on our team receives regular privacy and security training.
• Incident response: We have protocols in place to detect, respond to, and notify you of any data breaches as required by Australian law.

That said, no security is perfect. We do everything reasonable to protect your data, but we can't guarantee absolute security. You can help by using strong passwords and keeping your login credentials private.

Data Retention

We don't keep your information longer than necessary. Here's our general approach:

When we no longer need information, we securely delete or anonymize it. Some aggregated, anonymized data may be retained indefinitely for research and improvement purposes.

Cookies and Tracking

Our website uses cookies and similar technologies. Most are essential for the platform to work, but some help us understand user behaviour and improve your experience.

Types of Cookies We Use

• Essential cookies: Required for basic platform functionality like maintaining your login session
• Performance cookies: Help us understand how visitors use our site so we can improve it
• Functional cookies: Remember your preferences and settings
• Analytics cookies: Provide insights into usage patterns using services like Google Analytics

You can control cookies through your browser settings, though disabling essential cookies may affect platform functionality. Most browsers let you block third-party cookies while keeping first-party ones active.

Third-Party Links

Our platform may contain links to external websites or services we don't control. This privacy policy only covers caurithen – once you click through to another site, their policies apply.

We try to link only to reputable sources, but we can't be responsible for their privacy practices. Always check the privacy policy of any site you visit.

Children's Privacy

caurithen's services aren't designed for anyone under 18. We don't knowingly collect information from children. If we discover we've accidentally collected data from someone under 18, we'll delete it promptly.

Parents or guardians who believe we may have information about their child should contact us immediately at help@caurithen.com

Changes to This Policy

We'll update this policy occasionally as our services evolve or regulations change. When we make significant changes, we'll notify you via email or through a prominent notice on our platform.

The "Last Updated" date at the top shows when the current version took effect. Continuing to use our services after changes means you accept the updated policy.

For major changes affecting how we use your information, we may ask for your explicit consent before the changes take effect.

Contact Information

Questions, concerns, or requests about this privacy policy or your personal information? We're here to help.