Information We Collect

When you use our services, we collect different types of information to help you plan your financial future effectively. Here's what we gather and why it matters.

Personal Details You Provide

This includes information you give us directly when you sign up, contact us, or use our budget planning tools:

• Your name, email address, and phone number
• Postal address (Shop 14a, Heydon Place, Evatt, ACT, 2617, Australia)
• Financial information you enter into our planning tools
• Budget preferences and financial goals
• Communication history when you reach out to our support team
• Payment information when you purchase our services

Information We Collect Automatically

When you visit our website or use our services, some technical information is collected automatically. This helps us improve your experience and keep our platform secure.

• Device information (type, operating system, browser)
• IP address and general location data
• Pages you visit and features you use
• Time spent on different sections of our platform
• Referral sources and navigation patterns

How We Use Your Information

We don't collect data just for the sake of it. Everything we gather serves a specific purpose related to providing you with better budget planning services.

How We Store and Protect Your Data

Security isn't just a buzzword for us. We've put real measures in place to keep your financial information safe.

Security Measures

• Encryption of data both in transit and at rest
• Regular security audits and vulnerability assessments
• Restricted access to personal information (only authorized team members)
• Secure servers located in Australian data centres
• Multi-factor authentication for sensitive operations
• Regular backups to prevent data loss

Data Retention

We keep your information only as long as needed for the purposes outlined in this policy. Here's a breakdown:

Sharing Your Information

We don't sell your personal information to anyone. That's not our business model and it never will be. However, there are specific situations where we might share your data with trusted partners.

Service Providers

We work with carefully selected third-party companies that help us run our platform. These include:

• Payment processors for secure transaction handling
• Cloud hosting providers (Australian-based where possible)
• Email service providers for communications
• Analytics tools to understand platform usage
• Customer support software providers

All these partners are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.

Legal Requirements

Sometimes we're legally required to share information with:

• Law enforcement agencies when presented with valid legal requests
• Regulatory bodies under Australian financial regulations
• Courts when required by court orders
• Tax authorities as required by law

Your Rights Under Australian Privacy Law

The Australian Privacy Principles give you specific rights regarding your personal information. Here's what you can do and how to do it.

Access Your Information

You can request a copy of all personal information we hold about you. We'll provide this within 30 days of your request. There's no charge for reasonable requests, though we might charge a small fee if requests are excessive or repetitive.

Correct Your Information

If anything we have on file is wrong or outdated, you can ask us to fix it. We'll update it promptly and let you know once it's done. You can also update most information directly through your account settings.

Delete Your Information

You can request deletion of your personal information, though there are some limitations:

• We might need to keep some records for legal or regulatory reasons
• Financial data must be retained for 7 years under tax law
• Anonymized data used for analytics might be retained
• Backup copies might exist temporarily in our systems

Object to Processing

You can object to certain types of data processing, particularly for marketing purposes. We'll honor these requests immediately.

Withdraw Consent

Where we're processing your data based on your consent, you can withdraw that consent anytime. This won't affect any processing we've already done, but we'll stop going forward.

Data Portability

You can request your data in a commonly used, machine-readable format. This makes it easier if you want to move to another service provider.

Cookies and Tracking Technologies

Like most websites, we use cookies and similar technologies. But we're transparent about what we use and why.

Essential Cookies

These are necessary for our platform to work properly. They handle things like keeping you logged in and remembering your preferences during your session. You can't disable these without breaking the site.

Analytics Cookies

We use these to understand how people use our platform. This helps us spot problems and make improvements. The data is aggregated and anonymized – we're looking at patterns, not tracking individuals.

Preference Cookies

These remember your choices (like display settings or currency preferences) so you don't have to set them every time you visit.

Managing Cookies

Most browsers let you control cookies through their settings. You can block or delete cookies, though this might affect how our platform works for you. We don't use third-party advertising cookies on our site.

International Data Transfers

We primarily store data in Australia, but some of our service providers operate internationally. When data leaves Australia, we ensure it's protected by:

• Using providers in countries with adequate privacy protections
• Implementing standard contractual clauses approved by privacy regulators
• Conducting due diligence on international partners
• Ensuring data encryption during transfer

You can contact us for specific information about where your data is stored and processed.

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 and believe your child has provided us with personal information, please contact us immediately and we'll delete it.

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our platform. The "last updated" date at the top shows when the most recent changes were made.

We encourage you to review this policy periodically. Your continued use of our services after changes means you accept the updated policy.

Making a Complaint

If you're not happy with how we've handled your personal information, you can file a complaint with us first. We'll investigate and respond within 30 days.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Mail: GPO Box 5218, Sydney NSW 2001