Information We Collect

When you use mythenquora, we collect information that helps us provide and improve our budget categorization services. Here's what we gather and why:

Account Information

When you sign up, we collect your name, email address, and phone number. This lets us create your account, send important updates, and help you if something goes wrong. We also store your password in encrypted form—we can't see it, and neither can anyone else.

Financial Data

This is where things get more specific. To categorize your spending, we need access to transaction data. You can either connect your bank account through secure banking APIs or upload transaction files manually. We collect transaction descriptions, amounts, dates, and merchant information. We don't store your full bank account numbers or credit card details.

Usage Information

Like most online services, we track how you interact with mythenquora. This includes which features you use, when you log in, what categories you create, and how you customize your budget. This helps us understand what works and what doesn't.

Device and Technical Data

We collect your IP address, browser type, operating system, and device identifiers. This information helps us keep your account secure and troubleshoot technical issues. It also tells us if someone's trying to access your account from an unusual location.

How We Use Your Information

We use your data for specific purposes. Here's the breakdown:

We don't sell your personal information. Never have, never will. We also don't use your financial data to target ads or market products from third parties.

Data Sharing and Third Parties

We share your information in limited circumstances:

Service Providers

We work with companies that help us run mythenquora—cloud hosting providers, email services, payment processors, and customer support tools. These providers can only access the information they need to do their job, and they're contractually required to protect it.

Banking Partners

If you connect your bank account, we use secure banking APIs provided by licensed financial data aggregators. These services are regulated under Australian financial services laws. They facilitate the connection but don't store your credentials.

Legal Requirements

Sometimes we're legally required to disclose information—responding to court orders, complying with government investigations, or protecting rights and safety. We'll push back against overly broad requests, but there are limits to what we can do.

Your Privacy Rights

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

To exercise any of these rights, email us at support@mythenquora.com. We'll need to verify your identity before processing requests—usually by confirming access to your registered email address.

Data Security

We protect your information through multiple security layers:

• All data transmitted between your device and our servers is encrypted using TLS 1.3 protocol
• Financial information is encrypted at rest using AES-256 encryption
• We maintain strict access controls—only authorized personnel can access user data, and all access is logged
• Our infrastructure undergoes regular security audits and penetration testing
• We use multi-factor authentication for all administrative access
• Database backups are encrypted and stored in geographically separate locations

Despite these measures, no system is completely secure. If we detect a data breach that affects your information, we'll notify you within 72 hours and explain what happened and what we're doing about it.

Data Retention

We keep your information for different periods depending on what it is:

Active Accounts

While your account is active, we retain all your data to provide continuous service. You can delete specific transactions or categories anytime through your account settings.

Closed Accounts

After you close your account, we delete most personal information within 90 days. We keep some records for legal and accounting purposes—things like subscription payment history and basic account details—for seven years as required by Australian tax law.

Marketing Communications

If you've subscribed to our newsletter or updates, we keep your email address until you unsubscribe. Every email includes an unsubscribe link, and we process those requests immediately.

Cookies and Tracking

mythenquora uses cookies and similar technologies to make the service work properly:

Essential Cookies

These keep you logged in and remember your preferences. Without them, the service won't function. They're stored only for the duration of your session or until you log out.

Analytics Cookies

We use analytics to understand how people use mythenquora—which features are popular, where people get stuck, how often they visit. This data is aggregated and anonymized. You can opt out through your browser settings.

Performance Cookies

These help us improve loading times and overall performance. They measure things like page load speed and error rates.

We don't use advertising cookies or tracking pixels. Our analytics are for internal improvement only.

Children's Privacy

mythenquora is designed for adults managing their personal or household finances. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has created an account, contact us and we'll delete it immediately.

International Data Transfers

Your data is primarily stored on servers located in Australia. Some of our service providers operate globally, which means your information might be processed in other countries—typically the United States or European Union.

When we transfer data internationally, we ensure adequate protections are in place through standard contractual clauses and by selecting providers who comply with recognized privacy frameworks. Australian privacy laws still apply to your information regardless of where it's processed.

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 and display a notice in your account dashboard for 30 days.

The "Last Updated" date at the top shows when the current version took effect. Continued use of mythenquora after changes means you accept the updated policy.