When you use our services, we collect different types of information. Some you give us directly. Other bits come from how you interact with our platform. And yes, some comes from third parties when you connect external financial accounts.

This is where things get specific to what we do. We analyze financial trends, which means we need access to certain transaction patterns and account information. We never store your actual bank login credentials. Instead, we use encrypted connections through regulated financial data providers who handle that side of things.

The financial data we process includes transaction histories, account balances, spending categories, and investment holdings. We use this to identify trends and generate insights about your financial patterns.

We're not in the business of selling your data. Our whole model depends on analyzing financial trends to provide you with useful insights. That's it. Everything we do with your information serves that purpose or helps us run the service properly.

We work with a handful of trusted partners who help us deliver our service. These aren't random companies – they're carefully selected providers who meet strict security standards and are bound by confidentiality agreements.

Our infrastructure runs on secure cloud hosting services based in Australia. We use payment processors that comply with PCI DSS standards. For connecting to your financial institutions, we partner with regulated financial data aggregators who specialize in secure bank connections.

We also use analytics tools to understand how people use our platform, but we configure these to respect your privacy. For example, we anonymize IP addresses and disable features that could be used for cross-site tracking.

Under Australian privacy law, you have several rights regarding your personal information. We've built tools into our platform to make exercising these rights straightforward.

You can view and update most of your personal information directly through your account settings. For financial data and usage history, we provide export tools that let you download your information in common formats like CSV or JSON.

If you spot something that's incorrect or outdated, you can usually fix it yourself. For data that requires manual review, contact us at info@joliravento.com and we'll sort it out within 30 days.

You can delete your account at any time through the settings page. When you do this, we remove your personal information and financial data within 90 days. Some information might stick around longer if we're legally required to keep it (like transaction records for tax purposes), but it won't be used for any other purpose.

After deletion, anonymized data might remain in our systems for analytical purposes, but it can't be linked back to you.

Security isn't just a checkbox for us. We use industry-standard encryption both when data travels between your device and our servers (TLS 1.3) and when it's stored in our databases (AES-256).

Our team follows strict access controls. Only employees who genuinely need access to certain data for their work can see it. We log all access to sensitive information and review these logs regularly.

We keep your information only as long as we need it. For active accounts, that means we retain data while you're using the service and for a reasonable period afterward in case you want to reactivate.

We store all data in Australian data centers operated by certified providers. However, some of our service providers (like cloud infrastructure and analytics tools) have systems that might process data outside Australia.

When this happens, we make sure these transfers comply with Australian privacy law. We use standard contractual clauses, verify that providers meet equivalent privacy standards, and ensure data is encrypted during transfer.

Our website uses cookies – small text files stored on your device. Some are essential for the service to work (like keeping you logged in). Others help us understand how people use the platform so we can make it better.

You can control cookie preferences through your browser settings. Just know that blocking essential cookies might break some functionality. We don't use cookies for cross-site tracking or targeted advertising.

We'll update this privacy policy from time to time as our service evolves or if privacy laws change. When we make significant changes, we'll notify you via email and display a notice on the platform.

Minor updates (like clarifying existing practices) might not trigger a notification, but we'll always update the "Last Updated" date at the top of this page. We recommend checking back periodically if you're interested in staying current.

Our service isn't designed for anyone under 18. We don't knowingly collect information from children. If you're a parent and think your child has created an account, please contact us immediately and we'll delete it.