Information We Collect

We collect different types of information depending on how you interact with our services. Some of this you provide directly, and some we gather automatically as you use our platform.

Personal Information You Provide

• Your name, email address, and phone number when you create an account
• Financial data you choose to share for budget analysis and optimization
• Payment information when you subscribe to our services
• Communication preferences and feedback you submit
• Information in messages when you contact our support team

Information We Collect Automatically

• Device information including IP address, browser type, and operating system
• Usage data showing how you navigate and interact with our platform
• Log files that record technical information about your sessions
• Cookie data that helps us remember your preferences

How We Use Your Information

We use your information to provide and improve our budget optimization services. Here's what that means in practice:

Data Storage and Security

Your data is stored on secure servers located in Australia. We use industry-standard encryption both when data is transmitted and when it's at rest. Our security measures include:

• SSL/TLS encryption for all data transmission
• Regular security audits and vulnerability assessments
• Access controls limiting who can view your information
• Automated backup systems to prevent data loss
• Employee training on data protection practices

Sharing Your Information

We don't sell your personal information to anyone. We only share your data in these specific situations:

• With service providers who help us operate our platform (payment processors, cloud hosting, analytics tools)
• When required by Australian law or valid legal process
• To protect our rights, property, or safety, or that of our users
• If our business is acquired or merged, subject to the same privacy protections

All third-party service providers are contractually required to protect your data and use it only for the specific purposes we authorize.

Your Rights Under Australian Privacy Law

The Australian Privacy Principles give you specific rights regarding your personal information. You can exercise these rights at any time by contacting us.

Data Retention

We keep your personal information only as long as needed to provide our services and meet legal requirements. Here's our general approach:

• Active account data is retained while your account remains open
• Financial records are kept for seven years to comply with Australian tax law
• Communication logs are stored for three years for quality assurance
• Anonymous usage data may be retained indefinitely for research
• Deleted account data is permanently removed within 90 days, except where legally required

Cookies and Tracking

We use cookies and similar technologies to make our platform work properly and understand how you use it. You can control cookie settings through your browser, though some features may not work if you disable them.

Types of Cookies We Use

• Essential cookies that enable core functionality like login sessions
• Performance cookies that help us identify technical issues
• Functional cookies that remember your preferences
• Analytics cookies that show us how people use our platform

Children's Privacy

Our services are designed for adults managing household or personal budgets. We don't knowingly collect information from anyone under 18. If we discover we've inadvertently collected such data, we'll delete it promptly.

Changes to This Policy

We may update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email and display a notice on our platform. The date at the top shows when we last updated this policy.

Continued use of our services after changes take effect means you accept the updated policy.