At kalpentiva, we believe in complete transparency about how we collect and use information when you visit our household budgeting platform. This policy explains the various tracking technologies we employ and how they enhance your experience on kalpentiva.com.

We use several types of data collection methods to provide personalised financial insights, remember your preferences, and improve our budgeting tools. These range from essential functionality trackers that keep you logged in, to analytical tools that help us understand which budget templates work best for Australian households.

Each category serves a specific purpose in delivering our household budgeting services. For instance, when you set up automatic savings transfers or recurring expense reminders, our trackers ensure these preferences persist across your sessions.

Our tracking technologies work behind the scenes to make your budgeting journey smoother and more personalised. Here's how different types of data collection improve your interaction with our platform:

• Budget Continuity: When you're halfway through setting up a monthly budget and need to step away, our trackers save your progress so you can pick up exactly where you left off.
• Smart Recommendations: Based on your spending patterns, we suggest relevant budget categories that other Australian households with similar financial profiles find useful.
• Error Prevention: We track common mistakes users make when entering financial data, then provide helpful prompts to prevent calculation errors in your budgets.
• Content Personalisation: Our system learns whether you prefer video tutorials or written guides for financial topics, then shows you content in your preferred format.
• Performance Optimisation: We monitor which budget templates load fastest on different devices, ensuring smooth performance whether you're on mobile or desktop.

Think of it this way — when you use our debt repayment calculator repeatedly, we remember your loan details so you don't have to re-enter everything each time. This isn't just convenient; it reduces the chance of input errors that could affect your financial planning.

You have significant control over how we track your interaction with kalpentiva.com. Most modern browsers provide built-in tools for managing these preferences, and we respect the choices you make through these settings.

Keep in mind that blocking all tracking may impact certain features of our budgeting platform. For example, if you disable functionality trackers, you'll need to log in each time you visit, and your budget preferences won't be saved between sessions.

We don't keep tracking data indefinitely. Our retention periods vary based on the type of information and its purpose in providing our budgeting services to Australian households.

• Session Data: Information about your current visit is typically cleared when you close your browser or log out of your account.
• Preference Settings: Your chosen budget categories, alert thresholds, and dashboard layout are retained until you modify them or delete your account.
• Analytics Information: Anonymised usage patterns are kept for up to 24 months to help us improve our financial tools and educational content.
• Performance Metrics: Technical data about site speed and functionality issues is retained for 18 months to ensure consistent platform performance.

If you decide to delete your kalpentiva account, we remove personalised tracking data within 30 days. However, anonymised analytics information may be retained longer as it can't be linked back to your individual usage patterns.

You can request details about what tracking data we hold for your account by contacting our privacy team. We'll provide this information within 30 days and can help you understand how to modify your data retention preferences.