Information We Collect

When you use our short-term budgeting platform, we collect information that helps us provide better financial planning services. This includes details you provide directly and information gathered automatically through your use of our services.

• Personal identification information including name, email address, and phone number
• Financial data you choose to input for budgeting purposes
• Usage patterns and preferences within our budgeting tools
• Device information and browser settings for security and optimization
• Communication records when you contact our support team

We never collect more information than necessary to deliver our budgeting services effectively. All financial data remains under your control, and you can review or delete it at any time.

How We Use Your Information

Your information helps us create personalized budgeting experiences and maintain our service quality. We use collected data for specific, legitimate purposes that directly benefit your financial planning journey.

We don't sell your personal information to third parties or use it for marketing purposes outside of our direct service relationship with you. Any communication from us relates specifically to your budgeting needs or important account information.

Your Rights Under Australian Privacy Law

Under the Privacy Act 1988 and Australian Consumer Law, you have specific rights regarding your personal information. We're committed to making these rights accessible and straightforward to exercise.

Data Security and Protection

We implement multiple layers of security to protect your financial information. Our approach combines industry-standard encryption with additional safeguards specifically designed for financial data protection.

• 256-bit SSL encryption for all data transmission between your device and our servers
• Regular security audits and penetration testing by independent third parties
• Multi-factor authentication options for enhanced account protection
• Automated monitoring systems that detect and respond to suspicious activities
• Staff training programs focused on data privacy and security best practices

In the unlikely event of a security incident, we'll notify affected users within 72 hours and provide clear information about what happened and what steps we're taking to address it.

Data Sharing and Third Parties

We work with a limited number of trusted service providers to deliver our budgeting platform. These relationships are governed by strict data protection agreements that ensure your information remains secure.

We never share your specific financial data or personal details with marketing companies, data brokers, or other third parties for their commercial purposes. Your budgeting information stays within our secure ecosystem.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and comply with legal requirements. Different types of data have different retention periods based on their purpose and regulatory obligations.

• Active account data: Retained while your account remains active
• Financial calculations: Kept for 7 years to comply with Australian financial record requirements
• Support communications: Stored for 3 years for quality assurance and dispute resolution
• Website analytics: Anonymized after 26 months and deleted after 3 years
• Marketing preferences: Deleted immediately upon unsubscribing

When you close your account, we begin the deletion process immediately for data not subject to legal retention requirements. You'll receive confirmation once the process is complete.

Cookies and Website Data

Our website uses cookies and similar technologies to provide a smooth user experience and basic analytics. We've designed our approach to be privacy-friendly while still delivering the functionality you expect.

Essential cookies help our platform function properly and remember your login status and preferences. Analytics cookies, which you can opt out of, help us understand how people use our budgeting tools so we can make improvements. We don't use tracking cookies for advertising or share cookie data with third-party marketers.

You can manage cookie preferences through your browser settings. Disabling certain cookies may limit some features of our budgeting platform, but core functionality will remain available.