Information We Collect

When you interact with our services, we collect different types of information to help you better manage your finances. Some of this comes directly from you, while other data gets collected automatically through your use of our site.

Personal Information You Provide

This includes details you share when filling out forms, creating an account, or contacting us:

• Your name, email address, and phone number
• Financial information related to budget planning inquiries
• Communication preferences and contact history
• Any other information you choose to share with us

Automatically Collected Data

Our website collects certain technical information to improve your experience and understand how people use our services. This might include your IP address, browser type, device information, and pages you visit. We use standard analytics tools to track this data.

How We Use Your Information

Your data helps us provide better budget planning advice and improve our services. We're not in the business of selling your information or using it for purposes you wouldn't expect.

Sometimes we'll analyze aggregated data to spot trends in how Australians approach budget management. This helps us create more relevant content and tools. But this analysis never identifies individual users.

Data Storage and Security

We store your information on secure servers located in Australia. Our team uses industry-standard security measures including encryption, firewalls, and regular security audits to protect your data from unauthorized access.

That said, no system is completely foolproof. While we do everything we can to safeguard your information, we can't guarantee absolute security. If you notice any suspicious activity related to your account, let us know immediately.

Data Retention

We keep your personal information for as long as you're actively using our services, plus a reasonable period afterward to comply with legal obligations. Financial records related to consultations are typically retained for seven years in line with Australian tax regulations.

Sharing Your Information

We don't sell or rent your personal data to third parties. However, there are limited situations where we might share information:

• With service providers who help us operate our website and deliver services (like email platforms or analytics tools)
• When required by Australian law or to respond to legal processes
• To protect our rights, property, or safety, or that of our clients
• With your explicit consent for specific purposes

Any third-party service providers we work with are contractually obligated to keep your information secure and use it only for the purposes we specify.

Your Rights Under Australian Law

The Australian Privacy Principles give you several rights regarding your personal information. You can exercise these rights by contacting us directly.

Access and Correction

You have the right to request access to the personal information we hold about you. If any of that information is inaccurate, incomplete, or outdated, you can ask us to correct it. We'll respond to these requests within a reasonable timeframe, usually within 30 days.

Deletion Requests

You can request that we delete your personal information, and we'll honor that request unless we have a legitimate reason to retain it (like meeting legal obligations or resolving disputes). Keep in mind that deleting your data means you won't be able to access certain services.

Complaints

If you believe we've mishandled your personal information, you can lodge a complaint with us. We take all complaints seriously and will investigate promptly. If you're not satisfied with our response, you have the right to contact the Office of the Australian Information Commissioner.

Cookies and Tracking Technologies

Our website uses cookies to enhance your browsing experience and remember your preferences. Cookies are small text files stored on your device that help us recognize you when you return.

You can control cookie settings through your browser. Most browsers let you refuse cookies or alert you when cookies are being sent. However, disabling cookies might affect your ability to use certain features of our site.

Children's Privacy

Our services are designed for adults managing household or personal budgets. We don't knowingly collect information from children under 18. If you're a parent and believe your child has provided us with personal information, please contact us so we can delete it.

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 post a notice on our website and update the date at the top of this page. Your continued use of our services after changes become effective means you accept the updated policy.