Information We Collect

We collect different types of information depending on how you use our services. Being transparent about this matters to us.

Personal Information You Provide

When you sign up for our budget analysis services or contact us, you might share:

• Your name and email address
• Phone number if you choose to provide it
• Financial data you upload for budget analysis
• Payment information when you subscribe to our services
• Communication preferences and feedback

Information We Collect Automatically

Like most online services, our platform gathers some technical information automatically:

• IP address and browser type
• Device information and operating system
• Pages you visit and features you use
• Time spent on different sections of our platform
• Referring website addresses

Financial Data

Our budget analysis services work with your financial information. This includes transaction data, spending categories, income sources, and budget goals. We only access what you explicitly upload or connect through secure banking integrations.

How We Use Your Information

We use your data to provide better budget analysis services and improve your experience with our platform.

• Providing Services: We process your financial data to generate budget analyses, spending insights, and personalized recommendations
• Account Management: Your personal details help us maintain your account, process payments, and communicate with you about service updates
• Platform Improvement: Usage data helps us understand which features work well and what needs refinement
• Customer Support: When you reach out for help, we use your information to resolve issues and answer questions
• Security: We monitor for unusual activity to protect your account and prevent unauthorized access
• Legal Compliance: Sometimes we need to keep records for tax purposes or regulatory requirements

Data Storage and Security

We store your information on secure servers located in Australia. Our infrastructure uses industry-standard security measures including encryption, firewalls, and regular security audits.

Security Measures

• 256-bit SSL encryption for data transmission
• Encrypted database storage for sensitive information
• Regular security updates and vulnerability assessments
• Access controls limiting who can view your data
• Automated backup systems with encrypted archives

While we implement strong security practices, no online service can guarantee absolute security. We recommend using a strong password and enabling two-factor authentication if available.

Sharing Your Information

We share your information only in limited circumstances, and always with your interests in mind.

Service Providers

Some trusted third-party services help us operate our platform:

• Payment processors handle your subscription payments securely
• Cloud hosting providers store your data on secure servers
• Email service providers send you account notifications
• Analytics tools help us understand platform usage patterns

These providers can only use your information for the specific services they provide to us. They're bound by confidentiality agreements.

Legal Requirements

We might need to disclose your information if:

• Required by Australian law or legal process
• Necessary to protect our legal rights
• Needed to prevent fraud or security threats
• Required by court orders or government requests

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do:

Access Your Data

You can request a copy of the personal information we hold about you. We'll provide this in a commonly used electronic format within 30 days.

Correct Your Information

If your personal details are inaccurate or outdated, you can update them through your account settings or by contacting us directly.

Delete Your Account

You can request deletion of your account and associated data. We'll remove your information within 60 days, though we might need to retain some records for legal compliance.

Export Your Data

Want to take your financial data elsewhere? You can request an export of your budget information in CSV or JSON format.

Opt Out of Communications

You can unsubscribe from marketing emails at any time. We'll still send important account-related messages though.

Data Retention

We keep your information for as long as you have an active account with us. Different types of data have different retention periods:

After these periods, we securely delete or anonymize your data. Some information might be retained longer if required by law or for legitimate business purposes.

Cookies and Tracking

Our website uses cookies and similar technologies to improve your experience and understand how you use our platform.

Types of Cookies We Use

• Essential Cookies: These keep you logged in and make the platform work properly
  • Session management
  • Security authentication
  • Form submission handling
• Analytics Cookies: Help us understand which features get used most
  • Page view tracking
  • Feature usage patterns
  • Error reporting
• Preference Cookies: Remember your settings and customizations
  • Dashboard layout preferences
  • Display options
  • Language settings

You can control cookies through your browser settings. Blocking certain cookies might affect how well our platform works for you.

Third-Party Services

Our platform integrates with some third-party services to provide better functionality. When you connect these services, their privacy policies also apply.

Banking Connections

If you connect your bank accounts for automatic transaction imports, we use secure banking APIs. These connections are encrypted and you can revoke access at any time.

Payment Processing

We don't store your full credit card details. Payment information goes directly to our payment processor, which complies with PCI-DSS standards.

We're not responsible for the privacy practices of third-party websites you might visit through links on our platform. Check their privacy policies separately.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through:

• Email notification to your registered address
• Prominent notice on our website
• In-app notification when you next log in

The "Last Updated" date at the top of this policy shows when we last made changes. Continuing to use our services after updates means you accept the revised policy.

Children's Privacy

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

International Data Transfers

Your information is primarily stored on servers in Australia. If we need to transfer data internationally, we ensure adequate protection through:

• Standard contractual clauses approved by Australian authorities
• Ensuring recipient countries have adequate privacy protections
• Implementing additional security measures for international transfers