Who We Are

tarixavivexe operates from our office at 99-101 Corio St, Geelong VIC 3220, Australia. We're a family budgeting service that helps Australian families take control of their finances through practical tools and guidance.

This policy covers our website tarixavivexe.com and any related services we provide. When we say "we," "us," or "our," we're talking about tarixavivexe. When we say "you" or "your," we mean anyone who uses our services.

Information We Collect

Let me be straight with you. We only collect what we actually need to help you manage your family budget. Nothing more.

Information You Give Us Directly

When you sign up or use our services, you might provide:

• Your name and email address
• Contact phone number
• Budget information and financial goals
• Household income and expense details
• Payment information when you subscribe

Information We Collect Automatically

Like most websites, we gather some technical details automatically:

• Your IP address and device type
• Browser information and operating system
• Pages you visit and how long you stay
• Where you came from before landing on our site
• Cookies and similar tracking technologies

How We Use Your Information

Here's what we actually do with the information you share:

• Provide our services: Creating your budget dashboards, tracking expenses, sending helpful reminders
• Communicate with you: Sending account updates, responding to questions, sharing tips that match your goals
• Process payments: Handling subscriptions and billing through secure payment processors
• Improve our service: Understanding which features help most, fixing bugs, making things easier to use
• Security and fraud prevention: Protecting your account from unauthorized access
• Legal compliance: Meeting our obligations under Australian privacy law

We don't sell your personal information. Period. And we won't use your budget details for anything beyond helping you manage your finances better.

How We Protect Your Data

Security isn't just a checkbox for us. Your financial information deserves serious protection, and we treat it that way.

Technical Safeguards

• 256-bit SSL encryption for all data transmission
• Encrypted database storage for sensitive information
• Regular security audits and vulnerability testing
• Secure servers located in Australian data centers
• Two-factor authentication available for all accounts
• Automated backup systems with encryption

Organizational Measures

• Limited staff access to personal data on a need-to-know basis
• Confidentiality agreements with all team members
• Regular privacy and security training
• Incident response procedures for potential breaches

But let's be realistic. No system is completely bulletproof. If we ever experience a data breach affecting your information, we'll notify you within 72 hours and work with relevant authorities as required under Australian privacy law.

Sharing Your Information

We keep your information close. But sometimes we need to share limited details with trusted partners to make our service work. Here's who might see what:

All these partners are bound by strict confidentiality agreements and can only use your information for the specific purposes we've authorized. They can't sell or share your data further.

When Law Requires It

We might need to disclose your information if:

• Required by Australian law or legal process
• Responding to valid court orders or government requests
• Protecting our rights or property from fraud
• Preventing harm in emergency situations

Your Rights Under Australian Law

The Australian Privacy Act gives you specific rights about your personal information. Here's what you can do and how to do it:

Access Your Information

You can request a copy of all personal information we hold about you. We'll provide it within 30 days in a readable format. This is free, though we might charge a reasonable fee for extensive requests.

Correct Inaccurate Information

Spotted something wrong in your profile or budget data? You can update most information directly in your account settings. For anything else, just contact us and we'll fix it promptly.

Delete Your Account

Want to leave? You can delete your account anytime from your settings. We'll remove your personal information within 30 days, except:

• Financial records we're legally required to keep for seven years
• Information needed to resolve disputes or enforce agreements
• Aggregated data that no longer identifies you personally

Restrict Processing

You can ask us to limit how we use your information while we verify accuracy or resolve concerns you've raised about how we're handling your data.

Object to Processing

You can object to our use of your information for direct marketing anytime. We'll stop immediately. For other objections, we'll consider your specific situation and respond within 30 days.

Data Portability

You can request your budget data in CSV or JSON format to move it elsewhere. We'll provide this within 30 days.

Cookies and Tracking

Our website uses cookies. These are small text files stored on your device that help us remember your preferences and understand how you use our service.

Types of Cookies We Use

• Essential cookies: Required for the website to function. These remember your login and keep your session secure.
• Functional cookies: Remember your preferences like currency display or notification settings.
• Analytics cookies: Help us understand which features people use most and where we can improve.

You can control cookies through your browser settings. But heads up: disabling essential cookies might break some functionality. Most browsers let you block third-party cookies while keeping first-party ones active.

How Long We Keep Your Data

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

• Active accounts: We maintain your data while your account is active and for 12 months after your last login
• Financial records: Kept for seven years to comply with Australian taxation requirements
• Marketing communications: Until you unsubscribe or request deletion
• Support correspondence: Three years from last contact
• Analytics data: Aggregated and anonymized after 24 months

After these periods, we securely delete information unless legal obligations require longer retention.

Children's Privacy

Our service is designed for adults managing family budgets. We don't knowingly collect information from anyone under 18 without parental consent.

If you're a parent and believe your child has provided us with personal information, please contact us immediately. We'll delete it within 48 hours.

Changes to This Policy

We update this policy occasionally as our practices evolve or laws change. We'll post any changes here with a new "Last Updated" date.

For significant changes that affect how we handle your information, we'll email you at least 30 days before the changes take effect. Continuing to use our service after that means you accept the updated policy.

Previous versions are available on request if you want to see what changed.

Complaints and Disputes

Not happy with how we've handled your information? We want to know. Here's how to raise concerns:

Contact Us First

Email support@tarixavivexe.com with "Privacy Complaint" in the subject line. Explain what happened and what you'd like us to do about it. We'll acknowledge your complaint within 48 hours and provide a full response within 30 days.

External Review

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner:

• Website: oaic.gov.au
• Phone: 1300 363 992
• Mail: GPO Box 5218, Sydney NSW 2001