Privacy Policy

Information We Collect

We collect information you provide directly to us when you create an account, use our financial forecasting tools, or contact our support team. This includes your name, email address, financial data you choose to input, and communication preferences.

Our platform automatically collects certain technical information including your IP address, browser type, device information, and usage patterns. This helps us improve our services and ensure platform security. We use cookies and similar technologies to remember your preferences and provide personalized experiences.

We may collect information from third-party integrations only when you explicitly connect external financial services to enhance your forecasting accuracy. These connections are always optional and require your explicit consent.

How We Use Your Information

Your information helps us provide personalized financial forecasting, generate accurate budgeting insights, and improve our platform's functionality. We analyze usage patterns to identify which features are most valuable and where we can enhance the user experience.

• Provide and maintain our financial planning services
• Process your transactions and manage your account
• Send you important updates about service changes or security matters
• Improve our algorithms and forecasting accuracy
• Provide customer support and respond to your inquiries
• Ensure platform security and prevent fraudulent activities

We use aggregated, anonymized data to develop better financial planning tools and conduct research that benefits all users. Individual user data is never shared in these research activities.

Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. Your financial data remains confidential and is only shared in very limited circumstances outlined below.

In the event of a business transfer, merger, or acquisition, your information may be transferred to the new entity. You would be notified of such changes and given choices about your data.

Data Security and Protection

We implement multiple layers of security to protect your information. All data transmission uses industry-standard SSL encryption, and your information is stored on secure servers with restricted access controls.

Our security measures include regular security audits, employee training on data protection, and monitoring systems that detect unusual activities. We maintain incident response procedures to address any potential security issues quickly and effectively.

While we implement strong security measures, no system is completely immune to risks. We recommend using strong passwords, enabling two-factor authentication, and keeping your login credentials confidential.

Your Rights and Choices

Under Australian privacy laws and international standards, you have significant control over your personal information. You can access, correct, or delete your data at any time through your account settings or by contacting our support team.

• Access: Request a copy of all personal information we hold about you
• Correction: Update or correct any inaccurate information
• Deletion: Request deletion of your account and associated data
• Portability: Export your data in a common format
• Objection: Object to certain types of data processing
• Restriction: Request limitations on how we process your information

You can manage your communication preferences, opt out of marketing emails, and control cookie settings through your account dashboard. These choices are respected across all our services.

Data Retention and International Transfers

We retain your personal information for as long as your account remains active or as needed to provide services. After account deletion, we may retain certain information for legal compliance, dispute resolution, and fraud prevention for up to seven years as required by Australian financial regulations.

Some of our service providers are located outside Australia, including cloud storage services in the United States and European Union. We ensure these transfers comply with Australian Privacy Principles and include appropriate safeguards such as standard contractual clauses.

You can request information about where your data is stored and processed, and in some cases, object to international transfers if alternative arrangements are feasible.

Cookies and Tracking Technologies

We use cookies to enhance your experience, remember your preferences, and analyze how our platform is used. Essential cookies are necessary for basic functionality, while analytics cookies help us understand user behavior and improve our services.

You can control cookie settings through your browser preferences or our cookie management tool. Disabling certain cookies may limit some functionality, but core features of our financial planning tools will remain accessible.

We use Google Analytics and similar services to understand how users interact with our platform. These services may use cookies and collect information about your usage patterns across different websites. You can opt out of these analytics through browser settings or dedicated opt-out tools.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. Significant changes will be communicated through email notifications and prominent notices on our platform.

We encourage you to review this policy regularly to stay informed about how we protect your information. Continued use of our services after policy changes indicates your acceptance of the updated terms.