1 Information We Collect

When you use zulemmoeni's expense tracking platform, we collect several types of information to provide and improve our services. This includes information you provide directly, data generated through your use of our platform, and technical information from your devices.

• Personal details like name, email address, and contact information when you create an account
• Financial transaction data you input for expense tracking purposes
• Usage patterns and interactions with our platform features
• Device information including IP address, browser type, and operating system
• Location data when relevant to expense categorization (with your permission)

2 How We Use Your Information

Your information helps us deliver personalized expense tracking services and maintain platform security. We process your data based on legitimate business interests and your consent where required under Australian privacy law.

• Processing and categorizing your expense data to generate insights and reports
• Sending service notifications and updates about your account
• Improving our platform through usage analytics and user feedback
• Providing customer support when you contact our team
• Ensuring platform security and preventing unauthorized access

We never sell your personal information to third parties. Any data sharing occurs only with your explicit consent or as required by Australian law.

3 Data Storage and Security

zulemmoeni employs industry-standard security measures to protect your financial and personal data. We understand the sensitive nature of expense information and take comprehensive steps to safeguard your privacy.

Your data is stored on secure servers located in Australia, ensuring compliance with local data protection regulations. We use encryption both in transit and at rest, multi-factor authentication, and regular security audits to maintain data integrity.

Our security team regularly reviews and updates our protection measures to address emerging threats and maintain the highest standards of data protection.

4 Your Rights Under Australian Privacy Law

Under the Privacy Act 1988 and Australian Privacy Principles, you have specific rights regarding your personal information. zulemmoeni is committed to helping you exercise these rights effectively.

• Access your personal information we hold and request corrections if needed
• Request deletion of your account and associated data (subject to legal retention requirements)
• Opt out of marketing communications while continuing to use our services
• Request a copy of your data in a portable format
• Lodge a complaint with the Office of the Australian Information Commissioner if you believe we've mishandled your information

To exercise any of these rights, contact our privacy team using the details below. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

5 Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods based on their purpose and legal requirements.

Account information and expense data are typically retained for seven years after account closure to meet Australian tax record-keeping requirements. However, you can request earlier deletion of non-essential data at any time.

Technical logs and analytics data are automatically deleted after 24 months. Marketing preferences and communication records are removed immediately upon your request to unsubscribe.

6 Third-Party Services and Integrations

zulemmoeni integrates with select third-party services to enhance your expense tracking experience. These partnerships are carefully chosen and governed by strict data protection agreements.

• Banking APIs for secure transaction import (read-only access with your explicit authorization)
• Cloud storage providers for secure data backup and disaster recovery
• Analytics services that use anonymized data to improve platform performance
• Email service providers for account notifications and support communications

We never share identifiable personal information with marketing platforms or advertising networks. All third-party integrations undergo security reviews and must meet our data protection standards.

7 Changes to This Policy

This privacy policy may be updated periodically to reflect changes in our services, legal requirements, or data protection practices. We'll notify you of significant changes through your registered email address or platform notifications.

Minor updates, such as clarifications or formatting improvements, will be posted directly to this page. We encourage you to review this policy regularly to stay informed about how we protect your information.