Privacy Policy
At Cognit-Blaze, we respect your privacy and are committed to protecting your personal information. This policy explains how we collect, use, and safeguard your data when you interact with our multi-year budget planning services.
Information We Collect
Personal Information
When you use our budget planning services, we collect information that you provide directly to us. This includes your name, email address, phone number, and postal address when you register for our platform or contact our support team.
We only collect information that is necessary to provide you with effective multi-year budget planning tools and support services.
Financial Planning Data
To deliver personalised budget planning recommendations, we collect information about your financial goals, income ranges, expense categories, and budget timeframes. This data helps us customise our planning tools to your specific circumstances.
Technical Information
We automatically collect certain technical information when you visit our website, including your IP address, browser type, operating system, and pages visited. This helps us improve our platform performance and user experience.
| Data Type | Collection Method | Purpose |
|---|---|---|
| Contact Details | Direct submission | Account management and support |
| Budget Preferences | Platform interaction | Personalised planning tools |
| Usage Analytics | Automatic collection | Platform improvement |
How We Use Your Data
Your personal information helps us provide and improve our budget planning services in several key ways:
- Service Delivery: We use your information to operate our platform, process your requests, and provide personalised budget planning recommendations
- Communication: We contact you regarding your account, service updates, and respond to your inquiries and support requests
- Platform Enhancement: We analyse usage patterns to improve our tools, develop new features, and enhance user experience
- Legal Compliance: We process data as required to comply with Australian privacy laws and financial services regulations
- Security Purposes: We monitor for suspicious activity and protect against fraud, unauthorised access, and security threats
We never use your financial planning data for marketing purposes or share it with third-party advertisers without your explicit consent.
Automated Decision Making
Our platform uses automated systems to generate budget recommendations based on the preferences and goals you provide. You can always review, modify, or override these suggestions through your account dashboard.
Information Sharing and Disclosure
We limit information sharing to circumstances that directly support our service delivery or legal obligations:
Service Providers
We work with trusted third-party service providers who assist with platform hosting, payment processing, customer support, and data analytics. These providers are contractually bound to protect your information and use it only for specified purposes.
Legal Requirements
We may disclose your information when required by Australian law, court orders, or regulatory requests. This includes compliance with Australian Privacy Principles under the Privacy Act 1988 and other applicable financial services regulations.
Business Transfers
If Cognit-Blaze undergoes a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.
We do not sell, rent, or trade your personal information to third parties for their marketing purposes.
Data Security Measures
We implement comprehensive security measures to protect your personal and financial planning information:
Technical Safeguards
- Industry-standard encryption for data transmission and storage
- Regular security audits and vulnerability assessments
- Multi-factor authentication for account access
- Secure backup systems with encrypted storage
- Network monitoring and intrusion detection systems
Administrative Controls
- Limited employee access based on job requirements
- Regular privacy and security training for staff
- Incident response procedures for potential data breaches
- Regular review and update of security policies
While we implement robust security measures, no system can guarantee absolute security. We encourage you to use strong passwords and keep your account credentials confidential.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information:
Access and Correction
You can request access to the personal information we hold about you and ask us to correct any inaccurate or outdated information. Most of this information is accessible through your account dashboard.
Data Portability
You can request a copy of your budget planning data in a structured, machine-readable format. This allows you to transfer your information to another service provider if desired.
Deletion Rights
You can request deletion of your personal information, subject to certain legal and operational limitations. Some information may need to be retained for regulatory compliance or legitimate business purposes.
Marketing Communications
You can opt out of marketing communications at any time by using the unsubscribe link in our emails or updating your preferences in your account settings.
To exercise any of these rights, contact our privacy team using the information provided at the end of this policy. We will respond to your request within 30 days.
Data Retention and Deletion
We retain your personal information only as long as necessary to provide our services and meet our legal obligations:
Active Account Data
While your account remains active, we retain your personal information and budget planning data to provide ongoing service and support.
Inactive Accounts
If you do not log into your account for 24 months, we may classify it as inactive and begin the data deletion process. We will notify you before deleting any information.
Legal Retention Requirements
Some information must be retained longer to comply with Australian tax, business, and financial services regulations. This typically includes transaction records and certain identification information.
Deletion Process
When we delete your information, we use secure deletion methods to ensure it cannot be recovered. Backup copies are also securely deleted according to our data retention schedule.
International Data Transfers
Your personal information is primarily stored and processed within Australia. However, some of our service providers may process data internationally:
Cloud Storage
We use reputable cloud service providers that may store data in multiple locations for redundancy and performance. These providers maintain security standards equivalent to Australian requirements.
Support Services
Some customer support functions may be handled by overseas providers who have access to limited personal information necessary to assist with your inquiries.
All international data transfers comply with Australian privacy law requirements and include appropriate safeguards to protect your information.
Privacy Contact Information
If you have questions about this privacy policy or want to exercise your privacy rights, please contact us:
Privacy Officer
We respond to privacy inquiries within 30 days and are committed to resolving any concerns you may have about how we handle your personal information.
Policy Updates
We review this privacy policy regularly and update it when necessary. Material changes will be communicated through email notifications and prominent notices on our platform. The "Last Updated" date at the top of this policy indicates when the most recent changes were made.
By continuing to use our services after policy updates take effect, you agree to the revised terms. If you disagree with any changes, you can close your account and request deletion of your personal information.