Privacy Policy

Personal Information You Provide

When you create an account or use our services, you voluntarily share certain information with us:

• Contact details including your name, email address, and phone number
• Financial information such as income levels, spending patterns, and financial goals
• Profile information including preferences and settings you customize
• Communication records when you contact our support team
• Survey responses and feedback you choose to provide

Automatically Collected Information

We also collect certain information automatically when you interact with our platform:

• Device information including IP address, browser type, and operating system
• Usage data such as pages visited, time spent, and features used
• Location data (with your permission) to provide relevant financial insights
• Cookies and similar tracking technologies for enhanced user experience

Service Delivery

• Creating and maintaining your account and profile
• Providing personalized financial recommendations and goal-setting tools
• Processing transactions and managing your subscription
• Sending important updates about your account and our services
• Offering customer support and responding to your inquiries

Improvement and Analytics

• Analyzing usage patterns to enhance our platform's functionality
• Developing new features based on user behavior and feedback
• Conducting research to better understand financial goal-setting trends
• Testing and optimizing our services for better performance

Service Providers

We work with trusted third-party service providers who help us operate our platform:

• Payment processors for secure transaction handling
• Cloud storage providers for data hosting and backup
• Analytics services for understanding user engagement
• Customer support tools for efficient help desk operations

These providers are contractually bound to protect your information and can only use it for the specific services they provide to us.

Legal Requirements

We may disclose your information when required by law or to protect our rights and the safety of our users. This includes compliance with court orders, government requests, or regulatory requirements specific to financial services in Australia.

Technical Safeguards

• 256-bit SSL encryption for all data transmission
• Encrypted data storage with regular backup procedures
• Multi-factor authentication options for account access
• Regular security monitoring and threat detection systems
• Restricted access controls limiting who can view your information

Organizational Measures

• Employee training on data protection and privacy practices
• Background checks for staff with access to sensitive information
• Regular security audits and vulnerability assessments
• Incident response procedures for potential security breaches

Access and Control

• Access: Request copies of all personal information we hold about you
• Correction: Update or correct any inaccurate information in your profile
• Deletion: Request deletion of your account and associated data
• Portability: Export your data in a commonly used format
• Restriction: Limit how we process certain types of your information

Communication Preferences

You can control how we communicate with you:

• Opt out of promotional emails while still receiving important account notifications
• Choose your preferred frequency for financial insights and tips
• Select which types of goal achievement notifications you receive
• Manage push notification settings through your device or account preferences

Retention Periods

• Active accounts: Data retained while your account remains active and for reasonable periods afterward
• Financial records: Kept for 7 years to comply with Australian financial regulations
• Support communications: Maintained for 3 years to improve service quality
• Analytics data: Aggregated and anonymized data may be retained longer for trend analysis

Data Deletion

When you delete your account or request data removal, we begin the deletion process immediately. Some information may be retained in backup systems for up to 90 days for technical reasons, after which it's permanently removed. We may keep anonymized, aggregated data that can't be linked back to you for statistical purposes.

Transfer Safeguards

• Contractual data protection clauses with international providers
• Certification under recognized privacy frameworks
• Regular audits of international data handling practices
• Compliance with Australian Privacy Principles for overseas transfers