Information We Collect

When you use our financial planning tools and services, we collect information to help you manage your budget more effectively. This includes details you provide directly and some information we gather automatically.

Personal Information You Provide

• Your name, email address, and contact details when you create an account
• Financial goals and budget categories you set up in our planning tools
• Income and expense data you enter to track your financial progress
• Payment information when you subscribe to our premium services
• Messages you send through our contact forms or support channels

Automatically Collected Information

We collect some technical information to improve your experience:

• Device type, browser information, and operating system details
• IP address and general location data (city/state level only)
• Pages you visit and features you use within our platform
• Session duration and interaction patterns with our tools

How We Use Your Information

Your data helps us provide better financial planning services and support. We're pretty straightforward about what we do with it.

• Provide our budget prioritization tools and track your financial goals
• Send account updates, security notifications, and service announcements
• Respond to your questions and provide customer support
• Improve our platform based on how people actually use our tools
• Prevent fraud and maintain the security of your financial data
• Send educational content about budget management (you can opt out anytime)

Data Storage and Security

We take protecting your financial information seriously. Here's what we do to keep your data safe:

• All data is encrypted during transmission and storage using industry-standard protocols
• Regular security audits and vulnerability testing of our systems
• Limited access controls - only authorized team members can access user data
• Secure servers located in Australia with backup systems in place
• Multi-factor authentication requirements for all administrative access

Data Retention

We keep your information for as long as your account is active or as needed to provide services. If you close your account, we'll delete your personal data within 90 days, though we may retain some anonymized usage statistics for service improvement.

Your Rights Under Australian Privacy Law

Under the Privacy Act 1988 and Australian Privacy Principles, you have several rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to fix any incorrect or incomplete information
• Deletion: Request deletion of your personal data (with some exceptions)
• Restriction: Limit how we process your information in certain situations
• Portability: Get your data in a format you can transfer to another service
• Complaint: Lodge a complaint with us or the Office of the Australian Information Commissioner

To exercise any of these rights, just email us at the address below. We'll respond within 30 days and won't charge you unless your request is clearly unreasonable or excessive.

Third-Party Services

We work with a few trusted partners to provide our services, but we're selective about who we share information with.

Service Providers

• Cloud hosting providers for secure data storage and platform operation
• Payment processors to handle subscription billing (they don't store your card details)
• Email service providers for account notifications and educational content
• Analytics tools to understand how our platform performs (anonymized data only)

All these partners are required to protect your information and can only use it to provide services to us. They can't use your data for their own marketing or other purposes.

Cookies and Tracking

Like most websites, we use cookies to remember your preferences and keep you logged in. Here's what you should know:

• Essential cookies: Required for basic functions like login and security
• Preference cookies: Remember your settings and customizations
• Analytics cookies: Help us understand which features are most useful

You can disable non-essential cookies in your browser settings, though this might limit some platform features. We don't use cookies for advertising or tracking across other websites.

Changes to This Policy

We'll update this privacy policy occasionally to reflect changes in our services or legal requirements. When we make significant changes, we'll email active users and post a notice on our platform at least 30 days before the changes take effect.

Minor updates (like fixing typos or clarifying existing practices) won't trigger notifications, but we'll always update the "last modified" date below so you can see when changes were made.