When you use neptuarent's expense budgeting platform, we collect information that helps us provide better financial management tools. Here's what we gather and why:

Personal Information: Your name, email address, phone number, and postal address when you create an account or contact us. We need this to set up your account and communicate important updates about our services.

Financial Data: Transaction details, expense categories, income information, and budgeting preferences you input into our system. This data stays within your account and helps our tools provide accurate budgeting insights.

Technical Information: Device information, IP address, browser type, and how you interact with our platform. We use this to improve our service performance and fix technical issues quickly.

Your data powers neptuarent's expense budgeting features. We use your information to:

• Process and categorise your expense entries automatically
• Generate personalised budget recommendations based on your spending patterns
• Send you account notifications and important service updates
• Provide customer support when you need help with budgeting questions
• Improve our algorithms to give you better expense insights over time
• Detect unusual account activity that might indicate security concerns

We don't use your financial data for marketing purposes or share your spending habits with third parties. Your budget information stays private and secure within our Australian-based systems.

neptuarent doesn't sell your personal information to anyone. We only share your data in these specific situations:

Service Providers: We work with trusted Australian companies that help us operate our platform securely. These include our hosting provider, payment processor, and customer support tools. All partners sign strict confidentiality agreements.

Legal Requirements: If Australian law requires us to disclose information, we'll comply with valid legal processes. We'll notify you when possible unless prohibited by law.

Business Transfers: If neptuarent merges with another company or sells assets, your information might transfer to the new entity. We'll notify you beforehand and ensure your privacy rights remain protected.

Your Consent: We might share information when you explicitly give us permission, such as connecting your account to third-party financial tools you choose to use.

Protecting your financial information is our top priority. We've implemented multiple security layers:

Encryption: All data transmits using industry-standard SSL encryption. Your stored information is encrypted using AES-256 encryption, the same standard used by major financial institutions.

Access Controls: Only authorised neptuarent staff can access user data, and only when necessary for providing support or maintaining services. All access is logged and monitored.

Infrastructure Security: Our servers are housed in secure Australian data centres with 24/7 monitoring, biometric access controls, and redundant backup systems.

As an Australian resident, you have specific rights regarding your personal information:

Access Your Data: Request a copy of all personal information we hold about you. We'll provide this within 30 days, usually sooner.

Correct Information: Update or fix any incorrect personal details in your account. Most information can be changed directly through your account settings.

Delete Your Account: Request complete account deletion. We'll remove your personal information within 30 days, though some financial records might need longer retention for tax compliance.

Data Portability: Get your expense data in a common format so you can transfer it to another budgeting service if you choose.

Restrict Processing: Limit how we use your information in certain circumstances, such as while we verify data accuracy.

To exercise these rights, contact us using the details below. We'll verify your identity and process most requests within two weeks.

We keep your information only as long as necessary to provide our services:

Active Accounts: While your account remains active, we retain all your expense data and personal information to ensure continuous service.

Inactive Accounts: If you don't use neptuarent for 24 months, we'll send reminders before archiving your account. Archived accounts are deleted after another 12 months unless you reactivate them.

Deleted Accounts: When you delete your account, we remove personal information within 30 days. Some financial transaction records might be retained for seven years to comply with Australian tax and business record requirements.

Technical Logs: Server logs and technical data are automatically deleted after 12 months unless needed for ongoing security investigations.

neptuarent uses cookies to improve your experience and keep your account secure:

Essential Cookies: These keep you logged in and remember your preferences. They're necessary for the platform to work properly and can't be disabled.

Analytics Cookies: Help us understand how people use neptuarent so we can improve the budgeting tools. These don't identify you personally but track general usage patterns.

Security Cookies: Detect suspicious activity and protect against unauthorised access attempts. These help keep your financial data safe.

You can manage cookie preferences through your browser settings, though disabling essential cookies will affect platform functionality. We don't use advertising cookies or share cookie data with marketing companies.

neptuarent primarily stores and processes data within Australia. However, some service providers operate internationally:

When we transfer data overseas, we ensure adequate protection through:

• Contractual safeguards that meet Australian privacy standards
• Working only with countries that have adequate privacy laws
• Using service providers certified under international privacy frameworks
• Implementing technical safeguards like encryption during transfer

Most routine processing happens within Australia, and we notify users when international transfers are necessary for specific services.

neptuarent's expense budgeting services are designed for adults managing personal or household finances. We don't knowingly collect information from children under 13 years old.

If you're a parent and believe your child has created an account, please contact us immediately. We'll investigate and delete the account if confirmed.

Teenagers between 13-17 years old can use neptuarent with parental consent, though our budgeting tools are primarily designed for adult financial management needs.

We update this privacy policy occasionally to reflect service improvements or legal changes. When updates occur:

We'll email registered users about significant changes at least 30 days before they take effect. Minor updates, like clarifying existing practices, might not require individual notification.

The effective date at the top of this policy shows when the current version became active. Previous versions are available on request if you need to reference older terms.

Continuing to use neptuarent after policy updates means you accept the revised terms. If you disagree with changes, you can delete your account before they take effect.