Cookie & Data Usage Policy

Cookies are small text files that websites place on your device to remember your preferences and improve your browsing experience. At Skill Trek, we use various tracking technologies to understand how you interact with our budget analysis platform and to provide you with personalized financial insights.

These technologies include traditional HTTP cookies, local storage, session storage, and web beacons. Each serves a specific purpose in making your experience more seamless and relevant to your financial goals. When you visit studyxemivalothas.com, these tools help us remember your dashboard preferences, maintain your login session, and analyze which features are most valuable to our users.

Your privacy is fundamental to how we operate. We collect and use data primarily to enhance your financial planning journey and provide meaningful budget analysis insights. This isn't about surveillance – it's about creating a platform that truly serves your financial goals.

• Session data to maintain your login and preserve your work while navigating between budget analysis features
• Usage analytics to understand which financial planning tools are most effective for different user types
• Performance metrics to ensure our platform loads quickly and functions reliably across different devices
• Preference data to customize your dashboard layout and financial category displays
• Security information to protect your account from unauthorized access and maintain platform integrity
• Communication preferences to send relevant updates about new features or important account information

We're particularly focused on understanding the financial planning needs of Australian users. This means analyzing spending patterns, budget categories, and goal-setting behaviors that are specific to the Australian market. Your anonymized data helps us build better tools for everyone using our platform.

You have complete control over how your data is collected and used on Skill Trek. Most modern browsers allow you to manage cookies directly through their settings, and we respect whatever choices you make about your privacy.

To adjust your cookie preferences, you can access your browser's privacy settings. In Chrome, Firefox, Safari, and Edge, you'll find cookie management options under Privacy or Security settings. You can choose to block all cookies, allow only essential ones, or set up custom rules for different websites.

Keep in mind that blocking essential cookies may affect your ability to use certain features of our budget analysis platform. For example, you might need to log in repeatedly, or your dashboard preferences might not be saved between sessions. We've designed our platform to work as well as possible even with strict privacy settings, but some functionality requires basic data storage.

We believe in transparency about how long we keep your information and what rights you have regarding your data. Different types of data have different retention periods based on their purpose and legal requirements in Australia.

Session cookies expire when you close your browser, while functional cookies that remember your preferences typically last for up to one year. Analytical data is anonymized and may be kept longer to help us understand platform usage trends and improve our services over time.

• Account and profile information: Retained while your account is active, plus seven years for financial records compliance
• Usage analytics: Anonymized and aggregated data may be retained indefinitely for service improvement
• Communication logs: Kept for two years to maintain service quality and resolve any issues
• Security logs: Maintained for one year to protect against fraud and unauthorized access
• Marketing preferences: Stored until you change them or close your account

As an Australian resident, you have specific rights under the Privacy Act 1988. You can request access to your personal information, ask for corrections if something is wrong, or request deletion of your data in many circumstances. We're committed to responding to these requests promptly and completely.

Skill Trek integrates with carefully selected third-party services to provide you with comprehensive budget analysis and financial planning tools. We're selective about our partnerships and only work with providers who meet our privacy and security standards.

These services might include analytics providers who help us understand how our platform is used, security services that protect against fraud, and communication tools that enable us to send you important updates about your account. In each case, we share only the minimum data necessary for the service to function.

We never sell your personal information to third parties. Any data sharing is strictly for the purpose of providing or improving our service to you. Our third-party partners are contractually required to protect your information and use it only for the specific purposes we've agreed upon.

Some of our service providers may be located outside Australia, particularly for cloud infrastructure and analytics services. When data is transferred internationally, we ensure appropriate safeguards are in place, including contractual protections and compliance with Australian privacy law requirements.

Protecting your financial information is our highest priority. We use industry-standard encryption, secure server infrastructure, and regular security audits to ensure your data remains safe and confidential.

All data transmitted between your browser and our servers is encrypted using TLS (Transport Layer Security). Your sensitive information is stored using advanced encryption methods, and access is strictly limited to authorized personnel who need it to provide our services.

While we implement robust security measures, we also encourage you to take steps to protect your own privacy. Use strong, unique passwords for your Skill Trek account, log out when using shared computers, and contact us immediately if you notice any suspicious activity on your account.

We review and update this policy regularly to reflect changes in our services, technology, and legal requirements. When we make significant changes that affect how we collect or use your personal information, we'll notify you through your registered email address or through a prominent notice on our platform.

Minor updates, such as clarifications or contact information changes, may be made without individual notification. We recommend reviewing this policy periodically to stay informed about how we protect your privacy and handle your data.

You can always find the most current version of this policy on our website, and we'll include the effective date at the bottom so you know when it was last updated. If you have questions about any changes, our support team is always available to provide clarification.