Privacy Policy Overview
cravioneluthy operates as a comprehensive cash flow management platform, helping Australian businesses and individuals better understand their financial patterns. This privacy policy explains how we collect, use, store, and protect your personal information when you visit our website at cravioneluthy.com or use our services.
We're committed to transparency about our data practices. This policy has been designed to comply with Australian privacy laws, including the Privacy Act 1988 and the Australian Privacy Principles (APPs). When you choose to use our services, you're trusting us with your information – we don't take that responsibility lightly.
Key Points: We only collect information necessary to provide our cash flow management services, we never sell your personal data to third parties, and you have full control over your information including the right to access, correct, or delete your data at any time.
Information We Collect
We collect several types of information to provide and improve our cash flow management services. Here's what we gather and why:
| Information Type | What We Collect | Purpose |
| Account Information | Name, email address, phone number, business details | Account creation, communication, service delivery |
| Financial Data | Cash flow patterns, transaction categories, budget information | Providing personalized cash flow analysis and insights |
| Technical Information | IP address, browser type, device information, usage patterns | Website functionality, security, and service improvement |
| Communication Records | Support tickets, feedback, correspondence | Customer support and service enhancement |
We collect this information through various means: directly from you when you create an account or contact us, automatically through cookies and tracking technologies when you use our website, and occasionally from trusted third-party integrations you choose to connect with your account.
How We Use Your Information
Your information helps us deliver better cash flow management services. We use your data for specific, legitimate purposes that benefit your experience with cravioneluthy:
- Service Delivery: Processing your cash flow data to generate insights, forecasts, and personalized recommendations for your financial management.
- Account Management: Creating and maintaining your account, processing payments, and providing customer support when you need assistance.
- Communication: Sending service updates, important notifications about your account, and responding to your inquiries or support requests.
- Security: Protecting your account from unauthorized access, detecting fraud, and maintaining the overall security of our platform.
- Service Improvement: Analyzing usage patterns to enhance our features, fix bugs, and develop new tools that better serve our users' needs.
- Legal Compliance: Meeting our obligations under Australian financial services regulations and other applicable laws.
We never use your financial information for marketing purposes or share it with advertisers. Your cash flow data stays within our secure systems and is only processed to provide the services you've signed up for.
How We Protect Your Information
Security isn't just a feature for us – it's fundamental to everything we do. We've implemented multiple layers of protection to keep your financial information safe:
- Encryption: All data transmission uses TLS encryption, and sensitive information is encrypted at rest using industry-standard AES-256 encryption.
- Access Controls: Strict authentication requirements and role-based access ensure only authorized personnel can access systems containing your data.
- Infrastructure Security: Our servers are hosted in secure Australian data centers with physical security, redundancy, and 24/7 monitoring.
- Regular Audits: We conduct quarterly security reviews and annual penetration testing to identify and address potential vulnerabilities.
- Employee Training: Our team receives regular privacy and security training to ensure they handle your information appropriately.
- Incident Response: We have established procedures for quickly identifying, containing, and responding to any security incidents.
While we implement strong security measures, we also encourage you to protect your account by using a strong, unique password and enabling two-factor authentication when available.
How Long We Keep Your Information
We don't keep your information longer than necessary. Our retention periods vary depending on the type of data and our legitimate business needs:
| Data Type | Retention Period | Reason |
| Account Information | Duration of account + 2 years | Legal compliance and audit requirements |
| Financial Data | Duration of service + 7 years | Australian financial record-keeping requirements |
| Support Records | 3 years from last contact | Service quality and dispute resolution |
| Website Analytics | 26 months | Usage pattern analysis and improvements |
When retention periods expire, we securely delete your information using methods that make it unrecoverable. If you close your account before these periods end, we'll delete your data sooner unless we're legally required to retain it.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information. Here's what you can do and how to exercise these rights:
Your Rights Include:
- Access: Request a copy of all personal information we hold about you, including how we've used it and who we've shared it with.
- Correction: Ask us to update or correct any inaccurate or incomplete information in your account or records.
- Deletion: Request deletion of your personal information, subject to certain legal exceptions for record-keeping.
- Portability: Request your data in a structured format that can be transferred to another service provider.
- Complaint: Lodge complaints about our privacy practices with us or with the Office of the Australian Information Commissioner.
To exercise any of these rights, contact us at info@cravioneluthy.com or call +61 7 4953 0711. We'll respond within 30 days and won't charge you for reasonable requests. If you're not satisfied with our response, you can contact the Privacy Commissioner at oaic.gov.au.
International Data Transfers
While we primarily store and process your information within Australia, some of our service providers may be located overseas. When we transfer data internationally, we ensure appropriate safeguards are in place:
- All international transfers comply with Australian Privacy Principle 8
- We only work with providers in countries with adequate privacy protections
- Service providers sign contracts requiring equivalent privacy protection
- We regularly review and audit international transfer arrangements
Currently, some of our cloud infrastructure services operate in the United States and Singapore, both jurisdictions with strong privacy frameworks compatible with Australian standards.
Updates to This Policy
We may update this privacy policy occasionally to reflect changes in our practices, services, or legal requirements. When we make significant changes, we'll notify you via email or through a prominent notice on our website at least 30 days before the changes take effect.
Minor updates that don't affect your rights or how we handle your information may be made without advance notice. We encourage you to review this policy periodically to stay informed about how we're protecting your information.
Previous versions of our privacy policy are available upon request if you need to reference earlier terms or understand what has changed over time.
Questions About Your Privacy?
We're here to help with any privacy-related questions or concerns.
Email: info@cravioneluthy.com
Phone: +61 7 4953 0711
Mail: 164 Melbourne St, South Brisbane QLD 4101, Australia
Our privacy team typically responds to inquiries within 2-3 business days.