Information We Collect

When you create a chronariqlo account, we collect basic information necessary to provide our budgeting services. This includes your name, email address, and encrypted financial transaction data that you choose to connect through our secure banking integrations.

We also collect technical information like your IP address, device type, and how you interact with our platform. This helps us improve our service and detect any suspicious activity on your account.

How We Use Your Information

Your data powers the core features that make chronariqlo useful for managing your finances. We analyze your spending patterns to provide personalized insights, send you budget alerts, and help you identify areas where you might save money.

Service Delivery

We use your information to maintain your account, process transactions, and provide customer support. When you connect a bank account, we securely retrieve transaction data to automatically categorize your expenses and track your budget progress.

Communication

We'll send you important account notifications, security alerts, and optional budget insights via email. You can control which communications you receive through your account settings, though some security-related messages are mandatory.

Data Sharing and Third Parties

chronariqlo works with carefully selected partners to deliver our budgeting services securely. We use Plaid for bank connections, Stripe for payment processing, and Amazon Web Services for data storage. These partners are bound by strict confidentiality agreements.

Legal Requirements

We may disclose your information if required by Australian law, court orders, or to protect our users from fraud or security threats. In such cases, we'll only share the minimum information necessary and notify you unless legally prohibited.

Your Privacy Rights

Under Australian Privacy Principles, you have significant control over your personal information. We've made it easy to exercise these rights directly through your chronariqlo account or by contacting our support team.

Exercising Your Rights

Most privacy controls are available in your account settings. For complex requests or if you need assistance, email our privacy team at privacy@chronariqlo.com. We'll respond within 30 days and provide clear steps for any actions you want to take.

Data Security

We protect your information using bank-level encryption and security measures. All data is encrypted both in transit and at rest, and our systems undergo regular security audits by independent firms.

Security Measures

We use multi-factor authentication, regular security monitoring, and strict access controls to protect your account. Our infrastructure is hosted on secure servers with 24/7 monitoring and automatic backup systems.

If we ever detect a security incident that affects your account, we'll notify you immediately via email and provide clear steps to secure your information.

Data Retention

We keep your information only as long as necessary to provide chronariqlo's services or as required by Australian financial regulations. Here's how long we typically store different types of data:

When you delete your account, we remove your personal information within 30 days. Some anonymized data may be retained for analytical purposes, but this cannot be linked back to you personally.

International Data Transfers

While chronariqlo operates primarily in Australia, some of our service providers may process data in other countries with strong privacy protections, including the United States and European Union.

Any international transfers comply with Australian Privacy Principles and include appropriate safeguards like Standard Contractual Clauses to ensure your data remains protected to the same standards regardless of location.

Children's Privacy

chronariqlo is designed for adults managing their personal finances. We don't knowingly collect information from anyone under 18 years old. If you're a parent and believe your child has created an account, please contact us immediately so we can remove it.

Changes to This Policy

We review this privacy policy annually and may update it to reflect changes in our services or legal requirements. When we make significant changes, we'll email you at least 30 days before they take effect.

Minor updates like clarifications or contact information changes will be posted here with an updated date. We encourage you to review this policy periodically to stay informed about how we protect your information.