We collect information you provide directly to us, including:

• Personal details like name, email address, and phone number
• Financial information necessary for budgeting analysis
• Account preferences and communication settings
• Payment information when you subscribe to our services
• Feedback and correspondence you send to us

We also automatically collect certain information through your use of our platform, such as device information, browser type, IP address, and usage patterns. This helps us improve our services and provide better user experiences.

Your information helps us deliver personalised financial budgeting services:

• Providing customised budget recommendations and financial insights
• Processing transactions and managing your account
• Sending important updates about your account and our services
• Improving our platform through usage analysis
• Responding to your questions and providing customer support

We implement robust security measures to protect your information:

• Advanced encryption for data transmission and storage
• Regular security audits and vulnerability assessments
• Restricted access to personal information on a need-to-know basis
• Secure data centres with physical and digital protection
• Multi-factor authentication for employee access

Your data is stored on secure servers located in Australia, ensuring compliance with Australian privacy laws. We maintain backups to prevent data loss while implementing strict access controls.

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

To exercise these rights, contact us using the information provided at the bottom of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing.

We may share your information in limited circumstances:

• With trusted service providers who help us operate our platform
• When required by law or to comply with legal obligations
• To protect our rights, property, or safety, or that of our users
• With your explicit consent for specific purposes

Any third-party service providers are carefully vetted and must agree to strict confidentiality requirements. They can only use your information for the specific services they provide to us.

We retain your personal information only as long as necessary:

• Account information: Retained while your account is active
• Financial data: Kept for 7 years to comply with Australian tax laws
• Communication records: Stored for 3 years for customer service purposes
• Marketing preferences: Until you withdraw consent

When we no longer need your information, we securely delete or anonymise it. Some information may be retained longer if required by law or for legitimate business purposes.

We use cookies and similar technologies to enhance your experience:

• Essential cookies for basic platform functionality
• Performance cookies to understand how you use our services
• Preference cookies to remember your settings
• Analytics tools to improve our services

You can control cookie settings through your browser, though disabling certain cookies may affect platform functionality. We don't use third-party advertising cookies or tracking pixels.