Privacy Policy
Your privacy matters to us - here's how we protect it
Introduction
At galmiraonline ("we," "us," or "our"), we're committed to protecting your privacy and being transparent about how we collect, use, and safeguard your personal information. This Privacy Policy explains our practices regarding the data we collect when you use our financial forecasting and budgeting platform at galmiraonline.com.
We understand that trust is earned, especially when it comes to your financial information. That's why we've designed our privacy practices with your security and control in mind. This policy applies to all users of our platform and covers both our website and any related services we provide.
Information We Collect
We collect information in several ways to provide you with the best possible experience on our platform. Here's what we gather and why:
Account Information
When you create an account, we collect your name, email address, and contact details. We also store your chosen username and encrypted password to secure your account.
Financial Data
To provide forecasting and budgeting services, we collect financial information you choose to input, including income, expenses, and financial goals. This data remains under your control.
Usage Analytics
We track how you interact with our platform to improve functionality and user experience. This includes page views, feature usage, and session duration.
Technical Information
We automatically collect device information, IP addresses, browser types, and operating system details to ensure platform security and compatibility.
Information from Third Parties
If you connect external financial accounts or services, we may receive information from those providers. This only happens with your explicit consent and is used to enhance your budgeting experience. We also receive limited information from social media platforms if you choose to sign up using social login options.
How We Use Your Information
Your information helps us deliver and improve our services. We use the data we collect for several specific purposes:
We never sell your personal information to third parties. Your financial data is used solely to provide the services you've requested and improve your experience on our platform.
Information Sharing and Disclosure
We take a conservative approach to sharing your information. Here's when and how we might share your data:
Service Providers
We work with trusted third-party service providers who help us operate our platform. These include cloud hosting providers, payment processors, and analytics services. All service providers are contractually bound to protect your information and can only use it for the specific services they provide to us.
Legal Requirements
We may disclose your information if required by law, such as responding to court orders, legal processes, or government requests. We'll notify you about such requests unless we're legally prohibited from doing so.
Business Transfers
If galmiraonline is acquired by another company or undergoes a business restructuring, your information may be transferred as part of that transaction. We'll notify you of any such changes and ensure your data remains protected under the same privacy standards.
With Your Consent
We may share your information in other circumstances, but only with your explicit consent. You'll always have the option to decline such sharing.
Your Privacy Rights
You have significant control over your personal information. Here are the rights you can exercise:
Access Your Data
Request a copy of all personal information we hold about you. We'll provide this in a readable format within 30 days.
Correct Information
Update or correct any inaccurate personal information in your account at any time through your account settings.
Delete Your Account
Request complete deletion of your account and associated data. Some information may be retained for legal compliance.
Data Portability
Export your financial data in a structured format that you can use with other services or platforms.
Restrict Processing
Limit how we use your information while maintaining your account. Some platform features may be affected.
Marketing Opt-Out
Unsubscribe from marketing communications at any time while continuing to receive important account updates.
To exercise any of these rights, contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and may need to verify your identity to protect your privacy.
Data Security
Protecting your information is our top priority. We implement multiple layers of security to safeguard your data:
While we implement robust security measures, no system is 100% secure. We encourage you to use strong passwords, enable two-factor authentication, and monitor your account regularly for any suspicious activity.
Data Retention
We retain your information only as long as necessary to provide our services and comply with legal obligations. Here's our retention approach:
| Data Type | Retention Period | Reason |
|---|---|---|
| Account Information | Duration of account + 3 years | Legal compliance and fraud prevention |
| Financial Data | Duration of account + 1 year | Service provision and user support |
| Usage Analytics | 2 years | Platform improvement and optimization |
| Marketing Data | Until opt-out + 30 days | Communication preferences |
| Support Records | 5 years | Quality assurance and legal compliance |
When you delete your account, we begin the deletion process immediately. Some information may be retained in backup systems for up to 90 days before permanent deletion. We may retain certain information longer if required by law or for legitimate business purposes like fraud prevention.
International Data Transfers
galmiraonline operates primarily within Australia, but we may transfer your information to other countries for processing or storage. When we do this, we ensure adequate protection through:
If you're located outside Australia, your information will be transferred to Australia where our primary servers are located. By using our services, you consent to this transfer and confirm that you understand the privacy protections in place.
Children's Privacy
Our platform is designed for adults managing their finances. We don't knowingly collect information from children under 13 years of age. If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately.
For users between 13 and 18 years old, we recommend parental involvement in account setup and management. We encourage parents to discuss online privacy and financial responsibility with their teenage children.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by:
We encourage you to review this policy periodically to stay informed about how we protect your information. Continued use of our platform after changes indicates your acceptance of the updated policy.
Cookies and Tracking
We use cookies and similar technologies to enhance your experience on our platform. These small files help us remember your preferences, keep you logged in, and understand how you use our services.
Types of Cookies We Use
You can control cookie settings through your browser, but disabling certain cookies may affect platform functionality. We don't use cookies for advertising purposes or share cookie data with advertising networks.
Contact Us
If you have questions about this Privacy Policy, want to exercise your privacy rights, or need to report a privacy concern, we're here to help.
34 Goggs St, South Toowoomba QLD 4350, Australia
We typically respond to privacy inquiries within 5 business days. For urgent matters, please call our support line and mention that your inquiry is privacy-related.