Privacy Policy

Information We Collect

Personal Information You Provide

When you sign up for quendariqo's services, we ask for specific details so we can help you manage your finances properly. This includes your name, email address, phone number, and residential address. We also collect financial information like bank account details, income data, and spending patterns—but only what's needed to give you accurate budget advice.

• Contact details (name, email, phone, mailing address)
• Financial account information and transaction history
• Identity verification documents when required
• Communication preferences and feedback
• Employment and income information

Automatically Collected Information

Our systems automatically collect certain technical data when you visit our website or use our app. This includes your IP address, browser type, device information, and how you interact with our platform. We use this to improve your experience and keep our services secure.

How We Use Your Information

We use your data to provide personalized budget consolidation services. That means analyzing your spending patterns, identifying areas where you can save, and sending you relevant financial insights. We don't sell your information to third parties or use it for purposes you haven't agreed to.

We also use your information to comply with legal requirements, respond to your inquiries, and maintain the security of our platform. If we want to use your data for something new, we'll ask for your permission first.

How We Protect Your Data

Security isn't just a checkbox for us. We use industry-standard encryption (TLS 1.3) for all data transmission and AES-256 encryption for stored data. Our systems are regularly audited, and we maintain strict access controls—only authorized personnel can access your information, and even then, only when necessary.

If a data breach occurs, we'll notify you and the Office of the Australian Information Commissioner within 72 hours, as required by law. We take these situations seriously and have procedures in place to respond quickly.

Sharing Your Information

We don't share your personal information with third parties for their marketing purposes. Period. However, we do work with carefully selected service providers who help us deliver our services—things like cloud hosting, payment processing, and customer support tools.

Service Providers We Work With

• Cloud infrastructure providers for secure data storage
• Payment processors for handling transactions
• Analytics tools to understand how our platform is used
• Customer support platforms to respond to your inquiries
• Identity verification services when required by law

All our service providers are bound by strict confidentiality agreements and can only use your data for the specific purposes we've authorized. We also share information when required by Australian law or to protect the rights and safety of our users.

Your Privacy Rights

Under the Australian Privacy Principles, you have several rights regarding your personal information. You can exercise these rights at any time by contacting us—we'll respond within 30 days.

1. Access: Request a copy of all personal information we hold about you, including how we've used it and who we've shared it with.
2. Correction: Ask us to correct any inaccurate or incomplete information in your account.
3. Deletion: Request that we delete your personal information, subject to legal retention requirements.
4. Restriction: Ask us to limit how we process your data in certain circumstances.
5. Data Portability: Request your data in a structured, commonly used format that you can transfer elsewhere.
6. Objection: Object to our processing of your information for specific purposes.
7. Complaint: Lodge a complaint with us or the Office of the Australian Information Commissioner if you're not satisfied with how we handle your data.

To exercise any of these rights, email us at info@quendariqo.com with your request. We'll verify your identity before processing any requests involving personal information.

Data Retention

We keep your personal information only as long as necessary to provide our services and meet legal obligations. For active accounts, that means we retain your data throughout your relationship with us. Once you close your account, we'll keep certain records for seven years to comply with Australian tax and financial regulations.

After the retention period ends, we securely delete or anonymize your information. Some aggregated, non-identifiable data may be retained indefinitely for statistical analysis and service improvement.

Cookies and Tracking

Our website uses cookies and similar technologies to remember your preferences, analyze how you use our platform, and improve your experience. Essential cookies are necessary for the site to function—things like keeping you logged in. Other cookies help us understand which features are most useful.

You can control cookie settings through your browser, though disabling certain cookies may affect site functionality. We don't use third-party advertising cookies, and we don't track you across other websites.

International Data Transfers

Your data is primarily stored on servers located in Australia. In some cases, we may transfer information to service providers in other countries, but only where adequate protections are in place. We ensure any international transfers comply with Australian privacy law through standard contractual clauses and appropriate safeguards.

If you're accessing our services from outside Australia, your information will be transferred to and processed in Australia, where our main operations are based.

Children's Privacy

quendariqo's services are not intended for anyone under 18. We don't knowingly collect personal information from children. 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.

Changes to This Policy

We update this privacy 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 website. The "Last Updated" date at the top shows when the policy was most recently revised.

Continuing to use our services after changes are posted means you accept the updated policy. We encourage you to review this page periodically to stay informed about how we protect your information.