Privacy Policy

1. Information We Collect

Personal Information

When you engage with our services, we collect information that helps us provide effective budget planning support. This includes your name, email address, phone number, and postal address. We also collect financial information relevant to your budget planning needs, though we never ask for full bank account details or credit card numbers unless you're making a payment through our secure systems.

Usage Data

We automatically collect certain information about how you interact with our website. This includes your IP address, browser type, pages visited, and time spent on various sections. We use this data to improve our services and understand what content is most helpful to our clients.

• Device information and operating system details
• Referring website addresses
• Search terms used to find our site
• Session duration and interaction patterns

2. How We Use Your Information

Your information serves several purposes, all aimed at providing you with the best possible financial planning experience. We use it to deliver personalized budget contingency strategies, communicate with you about your financial plans, and send relevant educational content about budget management.

We also use your information to comply with legal obligations, prevent fraud, and protect both your interests and ours. If you've opted in, we'll send you updates about our services and educational resources related to financial planning.

3. Data Storage and Security

Your data is stored on secure servers located in Australia. We use industry-standard encryption protocols to protect your information during transmission and storage. Our team receives regular training on data protection practices, and we maintain strict internal policies about who can access client information.

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Financial records are typically kept for seven years in accordance with Australian tax law requirements. Once data is no longer needed, we securely delete or anonymize it.

4. Sharing Your Information

We don't sell your personal information to third parties. That's not how we operate. However, we do share limited information with trusted service providers who help us run our business.

• Cloud hosting providers who maintain our infrastructure
• Email service providers for client communications
• Payment processors when you make transactions
• Professional advisors including accountants and lawyers
• Government agencies when legally required

All third parties we work with are required to protect your information and use it only for the specific purposes we've authorized. They're bound by confidentiality agreements and must comply with Australian privacy laws.

5. Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. You can request access to the data we hold about you, ask us to correct inaccurate information, or request deletion of your data in certain circumstances.

Access and Correction

You can request a copy of your personal information at any time. We'll provide this within 30 days, though we may charge a reasonable fee for administrative costs if the request is extensive. If you notice any errors in your information, let us know and we'll update our records promptly.

Marketing Preferences

You control whether you receive marketing communications from us. Every email we send includes an unsubscribe link. You can also contact us directly to update your preferences. Note that even if you opt out of marketing emails, we'll still send you important service-related messages.

Data Portability

Where technically feasible, you can request that we transfer your data to another service provider. We'll provide your information in a commonly used format.

6. Cookies and Tracking

Our website uses cookies to enhance your browsing experience. These small text files help us remember your preferences and understand how you use our site. Some cookies are essential for the website to function, while others help us analyze traffic and improve our content.

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. Keep in mind that disabling certain cookies may affect the functionality of our website.

7. International Data Transfers

While we primarily store data in Australia, some of our service providers operate internationally. When your information is transferred overseas, we ensure appropriate safeguards are in place. This includes using providers in countries with adequate privacy protections or implementing contractual protections.

We'll only transfer your personal information overseas with your consent or where legally required. You have the right to know which countries your data may be sent to.

8. Children's Privacy

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

9. Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website. The "Last Updated" date at the top of this page shows when the most recent changes were made.

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after changes are made constitutes acceptance of the updated policy.

10. Complaints and Disputes

If you have concerns about how we've handled your personal information, please contact us first. We take complaints seriously and will investigate promptly. Most issues can be resolved directly through discussion.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent authority responsible for privacy matters in Australia.