pyjodzenoapios understands that your privacy matters. This privacy policy explains how we collect, use, store, and protect your personal information when you use our monthly budgeting platform and related services.

By accessing our website at pyjodzenoapios.com or using our services, you agree to the collection and use of information in accordance with this policy. We are committed to protecting your personal data and complying with the Australian Privacy Principles under the Privacy Act 1988.

Personal Information

We collect information you provide directly to us, including:

• Name and contact details (email address, phone number)
• Account credentials and authentication information
• Financial information necessary for budgeting services
• Communication preferences and feedback
• Payment information for premium features

Usage Information

We automatically collect certain information when you use our platform:

• Device information and browser type
• IP address and location data
• Pages visited and time spent on our platform
• Features used and interaction patterns
• Log files and performance data

We use the information we collect to provide, maintain, and improve our budgeting services. Specifically, we use your data to:

• Create and manage your account
• Provide personalized budgeting recommendations
• Process transactions and send related communications
• Respond to your questions and provide customer support
• Send important updates about our services and policies
• Prevent fraud and ensure platform security
• Analyze usage patterns to improve our features
• Comply with legal obligations and regulatory requirements

We do not sell or rent your personal information. We may share your information only in these limited circumstances:

Service Providers

We work with trusted third-party service providers who help us operate our platform. These partners are contractually bound to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your information if required by law, court order, or government request, or to protect our rights, property, or safety of our users.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to the same privacy protections.

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

Access and Correction

You can request access to your personal information and ask us to correct any inaccuracies. Most information is accessible through your account dashboard.

Data Portability

You can request a copy of your data in a structured, commonly used format to transfer to another service.

Deletion

You can request deletion of your personal information, subject to legal and legitimate business requirements. Account deletion removes most personal data within 30 days.

Marketing Communications

You can opt out of marketing emails at any time using the unsubscribe link or by updating your preferences in your account settings.

We implement comprehensive security measures to protect your personal information:

• SSL encryption for all data transmission
• Regular security audits and vulnerability assessments
• Access controls and employee background checks
• Secure data storage with redundant backups
• Multi-factor authentication for sensitive accounts
• Regular software updates and security patches

Despite our efforts, no security system is completely foolproof. We encourage you to use strong passwords and report any suspected unauthorized access immediately.

We retain your personal information only as long as necessary to provide our services and comply with legal obligations:

• Account information: retained while your account is active
• Transaction records: kept for 7 years as required by Australian law
• Communications: retained for 3 years for quality and training purposes
• Usage logs: anonymized after 12 months
• Marketing data: deleted within 30 days of unsubscribing

When we no longer need your information, we securely delete or anonymize it according to our data destruction policies.

We use cookies and similar technologies to enhance your experience on our platform:

Essential Cookies

Required for basic platform functionality, including authentication and security features.

Analytics Cookies

Help us understand how users interact with our platform to improve features and performance.

Preference Cookies

Remember your settings and preferences for a personalized experience.

You can control cookie settings through your browser, though disabling certain cookies may limit platform functionality.

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected such information, we will take steps to delete it promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying prominent notices in your account dashboard

Your continued use of our services after policy changes indicates your acceptance of the updated terms.