Information We Collect

Personal Information You Provide

When you create an account or use our services, we collect information that you voluntarily share with us. This includes your name, email address, phone number, and postal address when you sign up or reach out to us.

For our budgeting tools to work effectively, you might also provide financial information like income details, spending categories, and budget goals. We don't require you to link bank accounts, but if you choose to do so through our secure third-party integration, we receive transaction data to help you track spending.

Information We Collect Automatically

Like most online services, we automatically gather certain technical data when you use our platform. This includes your IP address, browser type, device information, and operating system. We also track how you interact with our site – which pages you visit, how long you stay, and what features you use most.

How We Use Your Information

We use the information we collect for several specific purposes:

• Providing and maintaining our budgeting services, including personalized recommendations based on your spending patterns
• Communicating with you about your account, sending service updates, and responding to your questions
• Improving our platform by analyzing how people use different features and identifying areas for enhancement
• Protecting against fraudulent activity and ensuring the security of your account
• Complying with legal obligations and responding to lawful requests from authorities
• Sending you educational content and tips about budgeting if you've opted in to receive them

We don't sell your personal information to third parties. That's not our business model, and frankly, we think it's a lousy way to treat customers who trust us with sensitive financial data.

Sharing Your Information

There are limited situations where we share your information with others:

All third-party service providers we work with are required to protect your information and use it only for the specific purposes we've authorized. We conduct due diligence before partnering with any service provider.

Your Rights and Choices

Under Australian privacy law, you have several important rights regarding your personal information:

To exercise any of these rights, contact us using the details at the bottom of this page. We'll respond to legitimate requests within 30 days, though complex requests might take a bit longer.

Data Security

We take security seriously because we're handling your financial information. Here's what we do to protect your data:

• All data transmission is encrypted using industry-standard TLS/SSL protocols
• Your financial data is encrypted at rest using AES-256 encryption
• We use secure, regularly updated servers hosted in Australian data centers
• Access to personal information is restricted to authorized personnel who need it for their jobs
• We conduct regular security audits and vulnerability assessments
• Our staff receive ongoing training on data protection and security best practices
• We maintain incident response procedures in case of any security breach

While we implement robust security measures, no system is completely immune to risks. We can't guarantee absolute security, but we work hard to protect your information and will notify you promptly if we detect any breach that affects your data.

Data Retention

We keep your personal information only as long as necessary for the purposes outlined in this policy. Here's what that means in practice:

If you want your data deleted sooner, contact us and we'll accommodate your request where legally permissible.

International Data Transfers

Your information is primarily stored and processed in Australia. However, some of our service providers operate globally, which means your data might be transferred to or processed in other countries.

When we transfer data internationally, we ensure appropriate safeguards are in place. This includes using service providers that comply with internationally recognized data protection standards and implementing contractual protections.

Any international transfers comply with the Australian Privacy Principles, particularly APP 8, which governs cross-border disclosure of personal information.

Children's Privacy

Our services aren't designed for children under 18. We don't knowingly collect personal information from minors without parental consent. If you're a parent and believe your child has provided us with personal information, please contact us immediately so we can delete it.

Financial literacy is important for young people, but we believe parents should be involved in how their children's information is handled online.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices, technology, legal requirements, or business operations. When we make material changes, we'll notify you by email or through a prominent notice on our platform before the changes take effect.

We encourage you to review this policy periodically. The "Last Updated" date at the top tells you when we most recently revised it. Your continued use of our services after changes become effective means you accept the updated policy.