Privacy Policy
Introduction
This Privacy Policy explains how the operator of riquenta.com (the Company) collects, uses, discloses and protects personal data when individuals access or use the site and its budgeting tools. It is intended to provide clear information to users in Australia about the types of data that may be processed, the purposes of processing and the rights available under applicable law.
Riquenta.com provides general tools and information to support personal monthly budgeting, income and expense tracking and setting spending limits. The service does not provide personal financial advice. Any personal data collected in connection with these tools is handled in accordance with this Privacy Policy and related documents such as the Cookie Policy, Terms and Conditions and Disclaimer. Past performance does not guarantee future results.
How personal data is collected
The Company collects personal data when users create or manage accounts, interact with budgeting tools, submit forms, communicate with support or navigate the site. Additional information may be collected automatically through cookies and similar technologies. Data is limited to what is reasonably necessary to operate riquenta.com, support security, meet legal obligations and improve services.
Information provided directly by users
- Information provided when creating an account, such as name, login details and basic profile settings needed to operate the service.
- Details entered into budgeting tools, such as labels, categories or amounts, to the extent they qualify as personal data.
- Information submitted through contact or feedback forms, including the content of messages and related metadata.
- Preferences selected in account settings, cookie banners or other configuration areas on riquenta.com.
- Any additional information voluntarily provided by users when communicating with the Company, subject to applicable laws.
Information collected automatically
- Technical details about the device used, such as browser type, operating system and screen resolution, to help ensure compatibility.
- Log data including pages visited, time and date of access, referring pages and approximate session duration, for security and analytics.
- Approximate location information derived from IP address, limited to general region or city level where technically feasible.
- Unique identifiers associated with cookies or similar technologies that help recognise returning browsers or devices over time.
- Information about interactions with emails or in product messages, such as opens or link clicks, where permitted by law.
How personal data is used
Personal data collected through riquenta.com is used to operate the budgeting tools, maintain accounts, communicate with users, improve site performance, manage security and comply with applicable legal obligations. The Company does not use personal data to provide personal financial advice and does not promise specific outcomes from the use of the service. Results may vary between users.
- Provide, operate and maintain access to riquenta.com and its budgeting tools, including authentication and account management.
- Respond to enquiries, support requests and feedback submitted through contact forms or other communication channels.
- Monitor usage patterns and performance to maintain, secure and improve the functionality, reliability and usability of the site.
- Send service related communications such as updates to terms, privacy information, security notices or important operational messages.
- Conduct internal analysis and reporting using aggregated or pseudonymised data to understand how the service is used and where improvements are needed.
- Comply with legal, regulatory and compliance obligations, including responding to lawful requests from authorities where required.
- Prevent, detect and investigate fraud, abuse, security incidents or other activities that may harm users, the Company or third parties.
Our commitment: The Company is committed to handling personal data on riquenta.com in a responsible, transparent and proportionate manner. This Privacy Policy explains what information may be collected, how it is used, with whom it may be shared and which rights users have under applicable Australian requirements. The site provides general budgeting tools and information only and does not offer personal financial advice.
When personal data may be shared
The Company may share personal data with carefully selected service providers that assist in operating riquenta.com, with professional advisers where necessary, and with authorities when required by law. Data is not sold to third parties. Any sharing is limited to what is reasonably necessary for the relevant purpose and subject to appropriate safeguards, including contractual obligations where applicable.
Use of service providers
The Company may engage third party service providers to support the operation of riquenta.com, such as hosting, analytics, communication, security or customer support services. These providers may process personal data on behalf of the Company and are required, through contractual and other safeguards, to protect the data and use it only for the agreed purposes.
Processing for legal obligations
The Company may process and retain personal data where necessary to comply with legal, regulatory or enforcement obligations, including responding to lawful requests from authorities, maintaining required records and fulfilling reporting duties under applicable Australian law.
Aggregated and anonymous statistics
The Company may create aggregated or anonymised statistics from usage data to understand how riquenta.com is used. These statistics do not identify individual users and are used to improve site performance, plan capacity and support internal reporting, while respecting applicable Australian privacy requirements.
User rights
Subject to applicable law and certain limitations, users of riquenta.com have rights in relation to their personal data, including rights of access, rectification, deletion, restriction, portability and objection. Requests will be assessed on a case by case basis in line with legal obligations and permitted exemptions.
- Users may request confirmation of processing and access to their personal data.
- Users may request correction of inaccurate or incomplete personal data held about them.
- Users may request deletion of their personal data where it is no longer necessary or where processing is based on consent.
- Users may request a copy of certain personal data in a structured, commonly used and machine readable format, where technically feasible.
- Users may object to certain types of processing, particularly where based on legitimate interests, subject to applicable law.
- Users may request restriction of processing in certain circumstances, for example while the accuracy of data is being verified.
To exercise any of the rights described in this Privacy Policy, users should contact the Company using the details provided on the contact page and provide sufficient information to verify their identity. The Company will respond within a reasonable time, subject to applicable legal requirements and permitted exemptions.
Data security
The Company takes reasonable technical and organisational measures to protect personal data processed through riquenta.com against unauthorised access, alteration, disclosure or destruction. No online service can be completely secure, but the Company aims to reduce risk through layered safeguards, regular reviews and careful selection of service providers.
Technical safeguards
- Using encryption or other safeguards for data in transit where reasonably appropriate to protect information sent between the user and riquenta.com.
- Implementing access controls, authentication measures and logging to help prevent unauthorised access to systems and data.
- Regularly updating software and infrastructure components to address known vulnerabilities and improve security posture.
- Maintaining backup and recovery processes designed to reduce the risk of data loss in the event of technical issues.
Organisational safeguards
- Limiting access to personal data to authorised personnel who require it for their duties and are bound by confidentiality obligations.
- Providing internal guidance and training on data protection responsibilities and appropriate handling of personal data.
- Implementing internal policies for data classification, retention and deletion in line with applicable requirements.
- Using contractual safeguards with service providers to help ensure appropriate protection of personal data they process.
Data retention
Personal data is retained only for as long as reasonably necessary to fulfil the purposes described in this Privacy Policy, including providing access to riquenta.com, maintaining records, resolving disputes and meeting legal or regulatory requirements. Retention periods may vary depending on the type of data and the context in which it was collected.
- Account data may include username, preferences, settings and internal identifiers used to operate the service.
- Learning data may include aggregated usage patterns and anonymised insights derived from how users interact with features over time.
- Communications data includes messages sent through contact forms, support requests, feedback submissions and related correspondence.
- Financial data may include non transactional budgeting entries, such as income and expense categories or planned amounts, entered by the user into the tools.
- Marketing data, where applicable, may include preferences about receiving informational updates or general service announcements.
When personal data is no longer required, the Company will take reasonable steps to delete, anonymise or securely store it in accordance with applicable law and internal policies.
International data transfers
Personal data may be stored or processed on servers located outside the user’s state or territory, including in other countries. Where such transfers occur, the Company will take reasonable steps to ensure that appropriate safeguards are in place, consistent with applicable Australian requirements, to protect the data in line with this Privacy Policy.
- Using data centres and service providers that apply security and privacy standards consistent with this Privacy Policy.
- Entering into contractual arrangements that include data protection commitments where personal data is processed outside the user’s location.
- Limiting cross border transfers to what is reasonably necessary for hosting, support, analytics or other operational purposes.
- Reviewing, where feasible, the legal environment of destination countries to understand potential implications for data protection.
Cookies and similar technologies
Riquenta.com may use cookies and similar technologies to enable core site functions, remember user preferences, perform analytics and support security. Some cookies are strictly necessary for the site to operate, while others are optional and may depend on user consent. Further details, including retention periods and management options, are provided in the Cookie Policy.
Types of cookies used
- Essential cookies are required for core functions such as page navigation, secure login and basic form handling, and cannot be disabled via standard preference tools.
- Performance cookies collect information about how users interact with riquenta.com, helping the Company understand usage trends and improve the site.
- Personalisation cookies, where used, help tailor content or layouts to user preferences, subject to applicable consent requirements.
- Functionality cookies remember user preferences, such as language, region or display options, to provide a more consistent experience.
Users can manage cookie preferences through browser settings or any tools provided on riquenta.com, bearing in mind that restricting certain cookies may affect site functionality.
Changes to this Privacy Policy
The Company may update this Privacy Policy from time to time to reflect changes in legal requirements, technology, site functionality or data handling practices. Any revised version will be published on riquenta.com with an updated effective date, and, where appropriate, users may be informed through additional notices.
- Changes to this Privacy Policy or other key documents such as the Terms and Conditions or Cookie Policy.
- Important information about security, access issues or incidents that may affect user accounts or personal data.
- Service related updates about significant changes to features, availability or technical requirements for using riquenta.com.
- Administrative messages necessary to manage the relationship with users, which are not promotional in nature.
Users are encouraged to review this Privacy Policy periodically to stay informed about how personal data is handled.
How to contact the Company
Questions, requests or concerns about this Privacy Policy or the handling of personal data on riquenta.com may be directed to the Company using the details provided on the contact page. Users should include enough information to allow the Company to identify the request and respond appropriately.
Riquenta
66 Clarence Street, Sydney, NSW 2000, Australia
Phone: +61-2-5139-9030
Email: content@riquenta.com