Who We Are

dremarvixo operates from Shed 23/24, 5 Coghill Dr, Currumbin Waters QLD 4223, Australia. We provide budget trend analysis tools and educational resources for individuals and businesses across Australia.

When we say "we," "us," or "dremarvixo," we're referring to our company. "You" means anyone using our services or visiting our website.

Information We Collect

We gather different types of information depending on how you interact with our services. Some you give us directly, others we collect automatically.

Information You Provide

• Contact details — name, email address, phone number when you reach out or sign up
• Account credentials — username and password for accessing our platform
• Financial data — budget information, spending patterns, income ranges you choose to track
• Communication records — messages you send us through contact forms or email
• Payment information — billing details when you purchase our services (processed securely through third-party payment processors)

Information Collected Automatically

• Technical data — IP address, browser type, device information, operating system
• Usage patterns — pages visited, features used, time spent on platform
• Location data — general geographic location based on IP address (not precise GPS)
• Cookies and similar technologies — we'll explain more about these below

How We Use Your Information

Everything we collect serves a purpose. Here's what we do with your data and why it matters.

We don't sell your personal information to third parties. Never have, never will.

Cookies and Tracking Technologies

Like most websites, we use cookies — small text files stored on your device. They help us remember you and understand how people use our platform.

Types of Cookies We Use

• Essential cookies — required for login functionality and security features
• Performance cookies — help us see which features get used most and where problems occur
• Preference cookies — remember your settings and customization choices
• Analytics cookies — provide aggregated data about site traffic and user behavior

You can control cookies through your browser settings. Keep in mind that blocking certain cookies might affect platform functionality.

Data Sharing and Disclosure

We keep your information within our organization except in specific circumstances:

Service Providers

We work with third-party companies who help us operate our platform. These include hosting providers, payment processors, and analytics services. They only access data necessary for their specific function and are contractually obligated to protect it.

Legal Requirements

We may disclose information if required by Australian law, court order, or government request. We'll notify you when legally permitted to do so.

Business Transfers

If dremarvixo is acquired or merges with another company, your information may transfer to the new owners. You'd be notified before this happens.

Data Security Measures

We take reasonable steps to protect your information from unauthorized access, loss, or misuse.

• Encryption — all data transmission uses industry-standard SSL/TLS encryption
• Access controls — staff only access information necessary for their role
• Secure storage — databases are protected with multiple security layers
• Regular audits — we review security practices and update them as needed
• Incident response — we have procedures for handling potential data breaches

That said, no system is completely secure. We do our best, but can't guarantee absolute security.

Your Rights Under Australian Privacy Law

The Australian Privacy Act gives you specific rights regarding your personal information. Here's what you can do:

Access Your Data

You can request a copy of the personal information we hold about you. We'll provide this within 30 days unless circumstances require more time.

Correct Inaccurate Information

If your details are wrong or outdated, let us know and we'll fix them. You can update most information directly through your account settings.

Request Deletion

You can ask us to delete your personal information. We'll comply unless we have a legitimate reason to retain it (like legal obligations or active disputes).

Restrict Processing

In certain situations, you can ask us to limit how we use your information while we address your concerns.

Lodge a Complaint

If you believe we've mishandled your data, you can file a complaint with the Office of the Australian Information Commissioner (OAIC). But we'd appreciate the chance to address your concerns directly first.

Data Retention Periods

We don't keep your information longer than necessary. Here's our general approach:

• Active account data — retained while your account remains open
• Financial records — kept for seven years to comply with tax and accounting regulations
• Communication logs — stored for three years to resolve potential disputes
• Analytics data — aggregated and anonymized after 24 months
• Deleted account data — most information removed within 90 days of account closure

Some information might persist in backup systems for additional months, but it's not accessible for regular business purposes.

Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect information from minors. If we discover we've accidentally gathered data from someone underage, we'll delete it promptly.

Parents or guardians who believe their child has provided information to us should contact us immediately.

International Data Transfers

Your information is primarily stored on servers located in Australia. However, some of our service providers operate internationally, which means your data might be processed in other countries.

When we transfer data overseas, we ensure appropriate safeguards are in place consistent with Australian Privacy Principles. This typically involves contractual protections requiring the same level of data protection we provide.

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our platform.

The date at the top of this document shows when we last revised it. Continuing to use our services after changes take effect means you accept the updated policy.