1. Information We Collect

Personal Information You Provide

When you create an account or use our expense tracking services, we collect information that you voluntarily provide to us, including:

• Name, email address, and contact details
• Financial account information for expense categorisation
• Transaction details and spending patterns
• Budget preferences and financial goals
• Profile information and preferences

Automatically Collected Information

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

• Device information including IP address, browser type, and operating system
• Usage data such as pages visited and features used
• Location information (with your permission) for expense categorisation
• Cookies and similar tracking technologies data

2. How We Use Your Information

We use the information we collect to provide, maintain, and improve our expense tracking services. Specifically, we use your information to:

3. Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share your information in the following circumstances:

Service Providers

We work with trusted third-party service providers who assist us in operating our platform, including cloud hosting, payment processing, and customer support services. These providers are contractually required to protect your information and use it only for the services they provide to us.

Legal Requirements

We may disclose your information if required by Australian law, court order, or government request, or to protect our rights, property, or safety, or that of our users or the public.

4. Your Privacy Rights Under Australian Privacy Law

Under the Australian Privacy Act 1988 and Privacy Principles, you have specific rights regarding your personal information:

To exercise any of these rights, please contact us using the details provided below. We'll respond to your request within 30 days and may require verification of your identity to protect your privacy.

5. Data Security and Protection

We implement comprehensive security measures to protect your personal and financial information:

Technical Safeguards

• 256-bit SSL encryption for all data transmission
• Advanced firewalls and intrusion detection systems
• Regular security audits and vulnerability assessments
• Secure data centres with physical access controls

Administrative Safeguards

• Strict employee access controls and training
• Regular security awareness programs
• Incident response and breach notification procedures
• Third-party security certifications and compliance

6. Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations:

• Active accounts: Information retained while your account remains active
• Closed accounts: Most data deleted within 90 days of account closure
• Legal compliance: Some records retained for up to 7 years as required by Australian financial regulations
• Anonymised data: May be retained indefinitely for analytics and service improvement

7. International Data Transfers

Your personal information is primarily stored and processed within Australia. However, some of our service providers may process data internationally. When we transfer data outside Australia, we ensure:

• Adequate level of protection through approved mechanisms
• Contractual safeguards with all international service providers
• Compliance with Australian Privacy Principles for overseas disclosure
• Regular monitoring of international data handling practices

8. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These include:

Essential Cookies

Required for basic platform functionality, including authentication, security, and core features. These cannot be disabled without affecting service operation.

Analytics Cookies

Help us understand how you use our platform to improve performance and user experience. You can opt out of analytics tracking in your account settings.

Preference Cookies

Remember your settings and preferences to personalise your experience across sessions.

9. Children's Privacy

Our expense tracking services are designed for adults and we don't knowingly collect personal information from individuals under 18 years of age. If we become aware that we have collected information from someone under 18, we will delete that information promptly.

Parents or guardians who believe their child has provided us with personal information should contact us immediately using the details below.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We'll notify you of any material changes by:

• Posting the updated policy on our website with a new effective date
• Sending email notifications for significant changes
• Displaying prominent notices within our platform
• Providing at least 30 days notice before major changes take effect

We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information.

11. Complaints and Disputes

If you have concerns about how we handle your personal information, please contact us first using the details below. We take all privacy complaints seriously and will investigate thoroughly.

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) at oaic.gov.au or by calling 1300 363 992.