What Information We Collect

The data we gather depends on how you interact with our services. Most of it comes directly from you when you sign up or use our platform.

Personal Information

• Your name, email address, and phone number
• Residential or business address within Australia
• Financial information related to budget planning
• Communication preferences and history with our team
• Account credentials and security information

Technical Data

When you visit our website or use our services, we automatically collect certain technical information. This includes your IP address, browser type, device information, and how you navigate through our platform. We use this to improve performance and spot any security issues.

Financial and Budget Data

This is the core of what we do. You might share income details, expense categories, savings goals, or spending patterns. We only collect what's needed to help you manage your budget effectively.

How We Use Your Information

We don't collect data just to have it sitting around. Here's what we actually do with it:

• Providing and maintaining our budget planning tools and services
• Sending you relevant updates about your account or service changes
• Responding to your questions and support requests
• Improving our platform based on how people actually use it
• Detecting and preventing fraudulent activity or security breaches
• Meeting our legal obligations under Australian law

When it comes to marketing, we'll only send you promotional material if you've opted in. And you can change your mind any time.

Data Storage and Security

Your information lives on secure servers located in Australia. We use industry-standard encryption both when data moves between your device and our servers, and when it's stored. That includes SSL/TLS protocols and encrypted databases.

Security Measures We've Implemented

• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Employee training on data protection practices
• Access controls limiting who can view your information
• Automated backup systems with encrypted storage

No system is completely bulletproof, but we take security seriously. If something does go wrong, we'll notify you and the Office of the Australian Information Commissioner (OAIC) as required by law.

Who We Share Data With

We're not in the business of selling your information. But running our services does require working with some third parties.

Each provider is contractually required to protect your data and use it only for the specific services they provide to us. We vet these partners carefully and prioritize those with Australian operations or strong privacy commitments.

Legal Disclosures

Sometimes we're legally required to share information—for example, if we receive a valid subpoena or court order. We'll notify you when possible, unless prohibited by law.

Your Rights Under Australian Law

The Australian Privacy Principles give you substantial control over your personal information. Here's what you can do:

Access Your Data

You can request a copy of all personal information we hold about you. We'll provide this within 30 days, usually in a portable format like CSV or PDF. There's no charge for reasonable requests.

Correct Inaccurate Information

Spotted an error? Let us know and we'll fix it promptly. You can update most details directly through your account settings.

Request Deletion

You can ask us to delete your personal information. We'll comply unless we have a legitimate reason to keep it—like an outstanding financial obligation or legal requirement. Even then, we'll explain why we're holding onto specific data.

Opt Out of Marketing

Every promotional email includes an unsubscribe link. Click it once and you're done. We'll still send essential account notifications, though.

Complain About Our Practices

If you're unhappy with how we've handled your information, contact our privacy officer first. We'll investigate and respond within 30 days. If you're still unsatisfied, you can lodge a complaint with the OAIC.

How Long We Keep Your Data

We don't keep information longer than necessary. Here's our general approach:

• Financial records: Seven years (required by Australian tax law)
• Communication logs: Three years for quality and training purposes
• Marketing preferences: Until you unsubscribe or close your account
• Technical logs: 90 days for security and troubleshooting

After these periods, we either delete the information or anonymize it so it can't be linked back to you.

Cookies and Tracking

Like most websites, we use cookies. These are small files stored on your device that help our site function properly and remember your preferences.

Essential Cookies

These keep you logged in and make sure the site works correctly. You can't opt out of these without breaking core functionality.

Analytics Cookies

We use these to understand which features people use most and where they run into problems. The data is aggregated and doesn't identify you personally.

Your Cookie Choices

Most browsers let you block or delete cookies through their settings. Just know that some features might not work if you do. We don't use advertising cookies or share cookie data with advertisers.

Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect information from children. If you're a parent who believes your child has shared information with us, contact us immediately and we'll delete it.

International Data Transfers

Your data primarily stays in Australia. If we do need to transfer information overseas—say, to a specialized service provider—we ensure they meet Australian privacy standards or have equivalent protections in place.

We'll always disclose when data might leave Australia and explain the safeguards we've put in place.

Changes to This Policy

Privacy laws evolve, and so do our practices. When we make significant changes to this policy, we'll notify you by email and post a notice on our website at least 30 days before the changes take effect.

Minor updates—like fixing typos or clarifying existing practices—might happen without notice. We'll always update the "Last Updated" date at the top of this page.

Data Breach Notification

If we experience a data breach that's likely to result in serious harm, we'll notify you and the OAIC as quickly as possible. Our notification will include what happened, what data was affected, and what steps we're taking to address the situation.

We conduct regular security assessments to minimize the risk of breaches occurring in the first place.