Personal Information

When you create an account with us, we collect basic details like your name, email address, and phone number. For our budgeting tools to work effectively, we also need information about your income, expenses, and financial goals. Don't worry – we only ask for what's necessary to provide you with personalized budgeting advice.

Financial Data

With your explicit consent, we may connect to your bank accounts to automatically categorize transactions and track spending patterns. This helps create accurate budget reports and identifies areas where you might save money. You can revoke this access at any time through your account settings.

• Bank account transactions and balances
• Credit card spending and payment history
• Investment account information
• Loan and mortgage details
• Bill payment schedules and amounts

Usage Information

We automatically collect information about how you interact with our platform. This includes pages you visit, features you use most often, and time spent on different sections. This data helps us improve our services and create a better user experience.

Service Provision

• Creating and maintaining your budgeting profiles
• Generating spending reports and financial insights
• Sending alerts about budget limits or unusual spending
• Providing customer support when you need help
• Processing payments for premium features

Communication

We'll send you important updates about your account, security notifications, and educational content about budgeting. You can opt out of marketing emails, but we'll still need to send essential service-related messages.

Security Measures

• 256-bit SSL encryption for all data transmission
• Regular security audits and vulnerability testing
• Multi-factor authentication options for account access
• Automated monitoring for suspicious activity
• Regular staff training on data protection practices

Data Retention

We keep your account information for as long as you maintain an active account with us. Financial transaction data is retained for seven years to comply with Australian taxation and financial reporting requirements. When you close your account, most personal information is deleted within 30 days, though some records may be kept longer for legal compliance.

Banking Integration Partners

We use Yodlee and similar services to securely connect with Australian banks and financial institutions. These providers are bound by strict data protection agreements and can only use your information for the specific services they provide to us.

Analytics and Performance

We use analytics tools to understand how our platform performs and identify areas for improvement. These tools collect anonymized usage data that cannot be linked back to individual users.

Data Sharing Limitations

• We never share identifiable personal information without consent
• All third parties must meet our security and privacy standards
• Data sharing agreements include strict usage and retention limits
• We regularly audit third-party compliance with our requirements

Transfer Safeguards

• Standard contractual clauses for data protection
• Transfers only to countries with adequate privacy laws
• Regular compliance monitoring and audits
• Right to request data processing within Australia only