Privacy Policy

When you use Skill Trek's budget analysis services, we collect various types of information to provide you with personalized financial insights and improve our platform. The information we gather falls into several categories, each serving specific purposes in delivering our services.

We only collect information that's necessary to provide our budget analysis services effectively. You have control over what information you share with us, and we'll always be transparent about why we need specific data.

Your data powers the personalized budget analysis experience that makes Skill Trek valuable. We use the information we collect to analyze your spending patterns, identify potential savings opportunities, and provide tailored financial recommendations.

Specifically, we use your information to create detailed budget reports, send you relevant financial insights via email, improve our analysis algorithms, provide customer support when you need assistance, and ensure the security and proper functioning of our platform.

Our automated systems analyze your spending data to identify trends and suggest budget optimizations. This analysis happens securely within our systems, with your data protected by industry-standard encryption throughout the process.

We maintain strict controls over who can access your personal information. Skill Trek does not sell, rent, or trade your personal data to marketing companies or data brokers. However, we do work with trusted service providers who help us deliver our budget analysis services.

These service providers include cloud hosting companies that store our data securely, payment processors who handle subscription transactions, email service providers for sending you budget reports and updates, and analytics tools that help us understand how to improve our platform.

Each third-party service provider we work with must sign strict data processing agreements that limit how they can use your information. They're only permitted to process your data for the specific services they provide to us, and they must maintain the same level of security and privacy protection that we do.

We may also disclose your information if required by law, to protect our legal rights, or in connection with a business transaction like a merger or acquisition. In such cases, we'll notify you beforehand whenever possible and ensure your data continues to be protected.

You have significant control over your personal information and how we use it. These rights ensure you can make informed decisions about your data and maintain your privacy preferences.

To exercise any of these rights, simply contact us using the information provided at the bottom of this policy. We'll respond to your request within 30 days and help you understand what options are available based on your specific situation.

Protecting your financial information is our top priority. We've implemented comprehensive security measures that protect your data both when it's stored on our servers and when it's transmitted between your device and our platform.

All data transmission uses industry-standard SSL encryption, ensuring that your information remains private as it travels across the internet. Your sensitive financial data is encrypted using advanced algorithms before being stored in our secure databases, making it unreadable even if unauthorized access were to occur.

Our servers are hosted in secure data centers with 24/7 monitoring, redundant backup systems, and strict physical access controls. We regularly update our security protocols, conduct penetration testing, and monitor for potential vulnerabilities to stay ahead of emerging threats.

Employee access to your personal information is strictly limited based on job requirements, and all staff members receive regular training on data protection and privacy best practices. We maintain detailed logs of data access to ensure accountability and detect any unusual activity.

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

Your budget analysis data is typically retained for as long as your account remains active, plus an additional three years after account closure to support any potential disputes or tax-related inquiries. Account information like your email address and name may be retained longer if required for legal compliance or fraud prevention.

Technical logs and usage data are generally deleted after two years, while financial transaction records related to your subscription may be kept for up to seven years to meet accounting and tax requirements. Marketing preferences and communication records are deleted within one year of your last interaction with us.

When you request account deletion, we begin the removal process immediately. Some information may be retained in encrypted backups for up to 90 days as part of our standard data recovery procedures, after which it's permanently deleted from all systems.

Skill Trek operates primarily within Australia, but some of our service providers may process data in other countries to provide essential platform functionality. When your information is transferred internationally, we ensure it receives the same level of protection as it would under Australian privacy laws.

We only work with service providers in countries that have adequate data protection frameworks, or we implement additional contractual safeguards like Standard Contractual Clauses to ensure your information remains secure regardless of where it's processed.

Your budget analysis data is primarily stored and processed within Australia and other countries with strong privacy protections. We'll notify you of any significant changes to our data processing locations and provide you with options to control how your information is handled internationally.

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. When we make significant changes that affect how we collect, use, or protect your information, we'll notify you by email and display a prominent notice on our platform.

If you disagree with changes to our privacy policy, you can contact us to discuss your concerns or close your account if the changes are unacceptable to you. Continued use of our services after policy updates indicates your acceptance of the revised terms.