Information We Collect

We collect different types of information to provide and improve our financial calculation services. Here's what we gather and why:

Personal Information You Provide

• Contact Details: Your name, email address, phone number, and mailing address when you create an account or contact us
• Financial Information: Asset values, liability amounts, income details, and expense data you enter into our calculators
• Account Credentials: Username, password (encrypted), and security questions for account access
• Payment Information: Billing details and transaction history if you purchase premium features
• Communication Records: Messages you send to our support team or through our contact forms

Information Collected Automatically

• Usage Data: Pages visited, features used, time spent on site, and interaction patterns
• Device Information: Browser type, operating system, IP address, and device identifiers
• Location Data: General geographic location based on IP address
• Cookies and Similar Technologies: Data stored through cookies, local storage, and tracking pixels

How We Use Your Information

We use the information we collect for specific purposes that directly support our service delivery and your experience:

• Providing accurate net worth calculations and financial tracking tools
• Creating and maintaining your personal account and calculation history
• Processing payments and managing subscriptions to premium features
• Sending you important updates about our services, security alerts, and policy changes
• Responding to your questions, support requests, and feedback
• Improving our platform based on usage patterns and user behavior analysis
• Detecting and preventing fraud, security breaches, and unauthorized access
• Complying with legal obligations and regulatory requirements in Australia

Data Storage and Security

Your financial information deserves the highest level of protection. We implement multiple security measures to keep your data safe:

• Encryption: All data is encrypted in transit using TLS 1.3 and at rest using AES-256 encryption standards
• Secure Servers: Data is stored on servers located in Australia with restricted physical and digital access
• Access Controls: Only authorized personnel with legitimate business needs can access user data
• Regular Audits: We conduct quarterly security assessments and vulnerability testing
• Backup Systems: Encrypted backups are maintained in separate secure locations
• Monitoring: Continuous monitoring for suspicious activity and potential security threats

Despite our security measures, no system is completely immune to risks. We encourage you to use strong passwords, enable two-factor authentication, and keep your login credentials confidential.

Sharing Your Information

We limit data sharing to situations that are necessary for service operation or legally required. Here's when we might share your information:

Service Providers

We work with trusted third-party companies that help us operate our platform. These include:

• Cloud hosting providers for data storage and platform infrastructure
• Payment processors for handling transactions and subscription billing
• Email service providers for sending notifications and communications
• Analytics platforms for understanding user behavior and improving services

All service providers are bound by confidentiality agreements and can only use your data for the specific services they provide to us.

Legal Requirements

We may disclose information when required by Australian law, court orders, or government requests. This includes situations involving fraud investigation, tax compliance, or protecting someone's safety.

Business Transfers

If marinosian is involved in a merger, acquisition, or asset sale, your information may be transferred. We'll notify you before your data becomes subject to a different privacy policy.

Your Privacy Rights

Under Australian privacy law, you have specific rights regarding your personal information. Here's what you can do:

Your Right	What This Means
Access	Request a copy of all personal data we hold about you
Correction	Update or correct inaccurate information in your account
Deletion	Request removal of your account and associated data
Data Portability	Receive your data in a structured, commonly used format
Opt-Out	Unsubscribe from marketing emails and promotional messages
Complaint	Lodge a complaint about how we handle your information

To exercise any of these rights, contact us using the information at the bottom of this page. We'll respond to your request within 30 days. Some requests may require identity verification to protect your account security.

Data Retention

We keep your information only as long as necessary for the purposes outlined in this policy. Here's our approach to data retention:

• Active Accounts: Data is retained while your account remains active and for calculation history purposes
• Closed Accounts: After account closure, most data is deleted within 90 days, except where legal obligations require longer retention
• Financial Records: Transaction and payment data may be kept for seven years to comply with Australian tax law
• Communication Logs: Support messages and correspondence are retained for two years
• Legal Holds: Data subject to legal proceedings or investigations is retained until the matter concludes

You can request early deletion of your account data at any time, subject to our legal obligations. Backups containing your data may persist for up to 90 days before being permanently overwritten.

Cookies and Tracking

Our website uses cookies and similar technologies to improve your experience and understand how you use our services. Here's what we use:

• Essential Cookies: Required for basic site functionality, account login, and security features
• Performance Cookies: Help us understand which features are most useful and identify technical issues
• Functional Cookies: Remember your preferences and settings across sessions
• Analytics Cookies: Collect anonymous usage statistics to improve our platform

You can control cookie preferences through your browser settings. Keep in mind that disabling certain cookies may limit your ability to use some features of our service. Most browsers accept cookies automatically, but you can modify your settings to decline them.

Children's Privacy

marinosian is designed for adults managing their personal finances. We don't knowingly collect information from anyone under 18 years of age. If you're a parent or guardian and believe your child has provided us with personal information, contact us immediately and we'll delete it from our systems.

Our services require users to be at least 18 years old to create an account. We don't tailor content or marketing to children, and we take measures to prevent underage registration.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll notify you through:

• Email notification to your registered address
• Prominent notice on our website homepage
• In-app notification when you next log in

The "Last Updated" date at the top of this page shows when the most recent changes were made. We encourage you to review this policy periodically. Continued use of our services after changes take effect means you accept the updated policy.

International Data Transfers

Your data is primarily stored and processed in Australia. However, some of our service providers operate in other countries. When we transfer data internationally, we ensure appropriate safeguards are in place:

• Transfers only to countries with adequate privacy protections or under approved frameworks
• Contractual agreements requiring recipients to protect your data according to Australian standards
• Encryption of data during transfer and storage regardless of location
• Regular audits of international service providers' security practices

If you have concerns about international data transfers, you can contact us to learn more about the specific safeguards applicable to your information.