Privacy Policy

Introduction & Our Commitment

At Learnox Edge, we understand that managing your finances requires trust, and that starts with how we handle your personal information. This privacy policy explains exactly what data we collect, why we need it, and how we protect it when you use our budgeting platform. We believe transparency isn't just good practice – it's essential when dealing with your financial well-being.

Our commitment goes beyond legal compliance. We've designed our entire platform with privacy at its core, ensuring that your financial data remains secure while still providing you with the powerful budgeting tools you need to take control of your finances.

Information We Collect

Personal Information: When you create your Learnox Edge account, we collect basic details like your name, email address, and contact information. We also store your chosen password in encrypted format and any profile preferences you set.

Financial Data: To provide effective budgeting services, we collect information about your income, expenses, financial goals, and spending categories. This includes transaction data you manually input or connect through secure banking integrations, budget limits you set, and spending patterns we analyze to provide insights.

Usage Information: We track how you interact with our platform to improve your experience. This includes pages visited, features used most frequently, time spent in different sections, and device information like your browser type and operating system.

• Account registration details and profile information
• Financial transactions and categorization data
• Budget goals, limits, and progress tracking
• Communication preferences and notification settings
• Device and browser information for technical support
• Usage patterns to personalize your budgeting experience

How We Use Your Information

Your information serves specific purposes that directly benefit your budgeting experience. We use your financial data to categorize transactions automatically, identify spending trends, send budget alerts when you're approaching limits, and provide personalized recommendations for improving your financial health.

Service Delivery: We analyze your spending patterns to offer insights like "You've spent 80% of your dining budget this month" or "Your utility costs are 15% higher than last quarter." This analysis happens automatically to keep you informed about your financial progress.

Communication: We send important account notifications, security alerts, budget milestone celebrations, and optional educational content about budgeting strategies. You control which communications you receive through your account preferences.

Improvement & Development: We use aggregated, non-identifying usage data to understand which features help users most, identify areas where people struggle with budgeting, and develop new tools that address common financial challenges.

Data Sharing & Third Parties

We maintain strict control over your personal information and never sell your data to advertisers or marketing companies. However, we do work with carefully selected partners to provide you with the best possible service.

Banking Connections: When you connect bank accounts, we use secure third-party services like Yodlee or Plaid. These services operate under strict privacy agreements and only provide us with transaction data necessary for budgeting – never your login credentials.

Service Providers: We share necessary information with cloud hosting providers for data storage, email services for communications, and analytics tools for improving our platform. All providers must meet our security standards and sign data protection agreements.

Business Transfers: If Learnox Edge is acquired or merged, your information would transfer to the new entity under the same privacy protections outlined in this policy.

Your Privacy Rights & Control

You have complete control over your personal information and can exercise several important rights regarding your data. These rights are designed to give you transparency and control over how your information is used.

Access & Download: Request a complete copy of all personal data we hold about you, including your financial transactions, budget history, and account information. We'll provide this in a readable format within 30 days.

Correction & Updates: Modify any incorrect personal information directly through your account settings, or contact us to update information you cannot change yourself.

Deletion Rights: Request complete deletion of your account and all associated data. We'll remove everything within 30 days, though we may retain some information for legal compliance as required by Australian financial regulations.

• View and download all your personal data
• Correct inaccurate information immediately
• Delete your account and all associated data
• Opt out of marketing communications anytime
• Disconnect bank accounts and revoke data access
• Restrict how we process certain types of information

To exercise any of these rights, simply contact us using the information provided below. We'll respond within 48 hours and complete most requests within 30 days.

Data Security & Protection

Protecting your financial information is our highest priority. We employ multiple layers of security measures that meet or exceed industry standards for financial data protection.

Encryption: All data transmissions use TLS 1.3 encryption, and stored data is encrypted using AES-256 encryption. Your passwords are hashed using bcrypt with unique salts, making them unreadable even to our own staff.

Access Controls: Only authorized employees can access user data, and only when necessary for customer support or technical maintenance. All access is logged and monitored, with regular security audits conducted by independent firms.

Infrastructure Security: Our servers are hosted in secure Australian data centers with 24/7 monitoring, biometric access controls, and redundant backup systems. We maintain SOC 2 compliance and undergo regular penetration testing.

Data Retention & International Transfers

We retain your personal information only as long as necessary to provide our services or as required by law. Account information and financial data are kept for the duration of your active account plus seven years after closure, as required by Australian financial record-keeping regulations.

Retention Periods: Transaction data and budgeting history are retained for seven years to help with tax preparation and financial planning. Marketing preferences and communication logs are deleted within two years of account closure.

International Transfers: Your data is primarily stored within Australia. When we use international service providers, we ensure they provide adequate data protection through Standard Contractual Clauses or equivalent safeguards.

Cookies & Tracking Technologies

We use cookies and similar technologies to enhance your experience and provide personalized budgeting insights. These small files help us remember your preferences, keep you logged in securely, and understand how you use our platform.

Essential Cookies: Required for basic functionality like maintaining your login session, remembering your dashboard preferences, and ensuring secure data transmission.

Analytics Cookies: Help us understand which features are most useful, where users encounter difficulties, and how we can improve the budgeting experience. These are aggregated and don't identify individual users.

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

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our services, technology, or legal requirements. When we make significant changes that affect how we collect, use, or protect your information, we'll notify you via email and through prominent notices in your account dashboard.

Minor updates, such as clarifications or contact information changes, will be posted directly to this page with an updated "last modified" date. We encourage you to review this policy periodically to stay informed about how we protect your privacy.