Privacy Policy

Last updated: March 15, 2025

At mironovexal, we understand that managing your personal financial information requires trust. This policy explains how we collect, use, and protect your data when you use our expense categorization platform. We're committed to transparency about our data practices and your rights under Australian privacy laws.

Information We Collect

When you use mironovexal's expense categorization services, we collect several types of information to provide you with accurate financial insights and improve our platform.

Personal Information

Account details including your name, email address, and phone number
Business information such as company name and ABN (if applicable)
Payment and billing information for subscription services
Communication preferences and contact history

Financial Data

We collect transaction data that you upload or connect through bank feeds, including transaction amounts, dates, merchant names, and descriptions. This information is essential for our expense categorization algorithms to work effectively. We also store your custom category preferences and rules you create within the platform.

Technical Information

Device information including IP address, browser type, and operating system
Usage patterns and feature interactions within our platform
Performance data to help us optimize our services
Cookie and session data for authentication and preferences

How We Use Your Information

Your data powers mironovexal's expense categorization engine and helps us deliver personalized financial insights. Here's exactly how we put your information to work.

Service Delivery: We use your financial data to automatically categorize expenses, identify spending patterns, and generate reports tailored to your business needs. Our machine learning algorithms analyze transaction patterns to improve categorization accuracy over time.

Platform Improvement: Anonymous usage data helps us understand which features are most valuable and where users encounter difficulties. This drives our product development roadmap and user experience enhancements.

Communication: We use your contact information to send service updates, billing notifications, and relevant financial insights. You can control these communications through your account settings.

Security and Fraud Prevention: We monitor usage patterns to detect unusual activity and protect your account from unauthorized access or potential security threats.

Data Sharing and Third Parties

We believe your financial data should remain private and secure. mironovexal does not sell your personal information to third parties under any circumstances.

Service Providers

We work with trusted third-party providers who help us deliver our services. These include cloud hosting providers, payment processors, and analytics tools. All service providers are bound by strict confidentiality agreements and can only access data necessary for their specific functions.

Bank Feed Providers

When you connect your bank accounts, we use authorized data aggregation services that comply with Open Banking standards. These providers use read-only access and cannot initiate transactions or access more data than you specifically authorize.

Legal Requirements

We may disclose your information if required by Australian law, court order, or to protect the rights and safety of mironovexal users. We will notify you of such requests unless legally prohibited from doing so.

Your Privacy Rights

Under the Australian Privacy Act 1988 and Privacy Amendment Act 2022, you have specific rights regarding your personal information. We've made it easy to exercise these rights through your mironovexal account.

Access Your Data

Request a complete copy of the personal information we hold about you, including transaction data and account details.

Correct Information

Update or correct any inaccurate personal information in your account settings or by contacting our support team.

Delete Your Account

Request complete deletion of your account and associated data, subject to legal retention requirements.

Data Portability

Export your financial data in commonly used formats to use with other services or for your own records.

Restrict Processing

Limit how we use your data while maintaining your account, such as opting out of marketing communications.

Lodge Complaints

Data Security Measures

Protecting your financial information is our highest priority. We employ multiple layers of security to safeguard your data against unauthorized access, theft, or misuse.

Technical Safeguards

Bank-Grade Encryption

All data transmissions use 256-bit SSL encryption, the same standard used by major financial institutions.

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Secure Data Centers

Your data is stored in ISO 27001 certified facilities with 24/7 monitoring and physical security controls.

Access Controls

Strict employee access controls ensure only authorized personnel can view your data for support purposes.

Regular Audits

Independent security audits and penetration testing help us identify and address potential vulnerabilities.

User Security: We strongly recommend using strong, unique passwords and enabling two-factor authentication on your account. Never share your login credentials, and log out when using shared computers.

Data Retention and Deletion

We retain your information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods based on their purpose and regulatory requirements.

Retention Periods

Active Account Data Retained while your account remains active and for 7 years after closure to comply with Australian taxation record-keeping requirements.

Financial Transaction Data Stored for 7 years from the end of the financial year in which the transaction occurred, as required by tax legislation.

Communication Records Support conversations and email communications retained for 3 years to help resolve ongoing issues and improve service quality.

Technical Logs System logs and usage analytics retained for 12 months for security monitoring and platform optimization purposes.

Secure Deletion: When data retention periods expire or you request deletion, we use secure deletion methods that make the information unrecoverable. Backup systems are purged according to the same timeline.

International Data Transfers

Your data is primarily stored and processed within Australia using local cloud infrastructure providers. In some limited cases, we may transfer data internationally for specific service functions.

Cloud Services: We use reputable international cloud providers who maintain data centers in Australia and comply with Australian privacy laws. These providers offer equivalent privacy protections and are bound by strict data processing agreements.

Support Services: Some customer support functions may be provided by team members in other countries with strong privacy protections. All support staff are trained on Australian privacy requirements and sign comprehensive confidentiality agreements.

Any international transfers comply with Australian privacy law requirements and include appropriate safeguards to protect your information.

Cookies and Tracking

mironovexal uses cookies and similar technologies to provide essential functionality and improve your experience. We don't use third-party advertising cookies or sell data to advertisers.

Essential Cookies

Authentication cookies to keep you logged in securely
Session cookies to maintain your preferences during use
Security cookies to protect against fraudulent activity

Analytics Cookies

We use privacy-focused analytics to understand how users interact with our platform. This helps us identify areas for improvement and ensures our features meet user needs. You can opt out of analytics tracking in your account settings.

Cookie Management: You can control cookie settings through your browser preferences, though disabling essential cookies may affect platform functionality.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our practices and legal requirements. When we make significant changes, we'll notify you through your account email and provide a clear summary of what's changed.

Notification Process: You'll receive at least 30 days' notice of any material changes that affect how we use your personal information. For minor updates or clarifications, we'll update the "last modified" date at the top of this page.

Your Continued Use: By continuing to use mironovexal after policy changes take effect, you accept the updated terms. If you disagree with changes, you can close your account and request data deletion.

Privacy Questions or Concerns?

Privacy Officer
mironovexal Pty Ltd
20 Hamilton St North
Mackay QLD 4740, Australia

Email: support@mironovexal.com
Phone: +61 7 3346 2222

We aim to respond to all privacy inquiries within 30 days as required by Australian privacy law.