We collect information that helps us provide you with accurate financial forecasting services. Here's what we gather and why:

• Financial Data: Revenue figures, expense categories, cash flow information, and other financial metrics you provide to generate accurate forecasts
• Usage Information: How you navigate our platform, which features you use most, and time spent on different sections
• Technical Data: IP address, browser type, device information, and operating system details for security and optimization purposes
• Communication Records: Correspondence with our support team, feedback, and service inquiries

We only collect information that's necessary for providing our services. You can control much of what you share through your account settings, though some basic information is required for core functionality.

Your information serves specific purposes that directly benefit your experience with our financial forecasting platform:

• Service Delivery: Processing your financial data to generate accurate forecasts, trend analysis, and business insights
• Account Management: Maintaining your profile, preferences, and subscription details
• Customer Support: Responding to your questions, troubleshooting issues, and providing technical assistance
• Platform Improvement: Analyzing usage patterns to enhance features and develop new forecasting capabilities
• Security Monitoring: Detecting unusual activity, preventing unauthorized access, and maintaining platform integrity

We never use your financial data for purposes beyond what's necessary for our services. Your business information stays within our forecasting algorithms and isn't shared with third parties for their commercial use.

We maintain strict controls over who can access your information. Here are the limited circumstances where sharing occurs:

• Service Providers: Trusted third-party companies that help us deliver our services, such as cloud hosting providers and payment processors. These partners are bound by confidentiality agreements
• Legal Requirements: When required by Australian law, court orders, or regulatory authorities. We'll notify you when legally permitted
• Business Protection: To prevent fraud, abuse, or violations of our terms of service
• With Your Consent: When you explicitly authorize us to share specific information with third parties

If clarimuraario is acquired or merged with another company, we'll notify you about any changes to data handling practices and give you options regarding your information.

Protecting your financial information is our top priority. We've implemented multiple layers of security to safeguard your data:

• Encryption: All data transmissions use TLS 1.3 encryption, and sensitive information is encrypted at rest using AES-256 standards
• Access Controls: Multi-factor authentication, role-based permissions, and regular access reviews ensure only authorized personnel can view your information
• Infrastructure Security: Our servers are hosted in secure facilities with 24/7 monitoring, redundant systems, and regular security updates
• Regular Audits: Independent security assessments and vulnerability testing help us identify and address potential risks
• Employee Training: Our team receives ongoing security awareness training and follows strict data handling protocols

While we implement industry-leading security measures, no system is completely immune to threats. We continuously monitor and improve our security practices to stay ahead of evolving risks.

We keep your information only as long as necessary to provide services and meet legal obligations:

• Active Accounts: Data is retained while your account remains active and for legitimate business purposes
• Inactive Accounts: If you don't use your account for 24 months, we'll contact you before archiving or deleting your data
• Financial Records: Business financial data may be retained for up to 7 years to comply with Australian financial record-keeping requirements
• Communication Logs: Support conversations and service communications are kept for 3 years for quality assurance and dispute resolution

When data reaches its retention limit, we securely delete it using industry-standard methods. Backup systems are also purged according to our retention schedule to ensure complete removal.

Under Australian privacy law, you have several rights regarding your personal information:

• Access: Request a copy of all personal information we hold about you
• Correction: Ask us to correct any inaccurate or outdated information
• Deletion: Request removal of your personal information, subject to legal and contractual obligations
• Portability: Obtain your data in a structured, machine-readable format to transfer to another service
• Restriction: Limit how we process your information in certain circumstances
• Objection: Opt out of certain data processing activities, including marketing communications

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). We're committed to working with you to resolve any issues directly whenever possible.

We use cookies and similar technologies to enhance your experience and improve our services:

• Essential Cookies: Required for basic functionality, security, and authentication. These can't be disabled without affecting core features
• Performance Cookies: Help us understand how you use our platform to identify areas for improvement
• Functional Cookies: Remember your preferences and settings to personalize your experience
• Analytics Cookies: Provide insights into user behavior and platform performance using aggregated, non-personal data

We don't use third-party advertising cookies or tracking pixels. Our analytics focus on improving user experience rather than building advertising profiles.

While clarimuraario is based in Australia, some of our service providers operate globally. Here's how we protect your data during international transfers:

• Adequacy Decisions: We prioritize transfers to countries with privacy protections similar to Australia's
• Contractual Safeguards: Service providers must sign agreements that include privacy protection clauses meeting Australian standards
• Security Standards: All international transfers maintain the same encryption and security measures used domestically
• Limited Scope: Only necessary data is transferred, and access is restricted to authorized personnel

We regularly review our international service providers to ensure they maintain appropriate privacy and security standards for Australian businesses.

We may update this privacy policy to reflect changes in our practices, technology, or legal requirements:

• Notification: Significant changes will be communicated via email and platform notifications at least 30 days before taking effect
• Version Control: Each policy version includes an effective date and summary of key changes
• Continued Use: Using our services after changes take effect indicates acceptance of the updated policy
• Historical Versions: Previous policy versions are available upon request for your reference

We encourage you to review this policy periodically to stay informed about how we protect your information. Recent updates focus on enhanced security measures and clearer explanations of your rights.