When you use our budget control platform, we collect information that helps us provide better financial management services. This includes personal details you provide during account setup, your financial transaction data, and how you interact with our platform.

We gather this information through various means - directly from you when you create an account, automatically through your use of our services, and sometimes from third-party financial institutions when you connect your accounts.

• Personal identification information (name, email, phone number)
• Financial account information and transaction history
• Device information and IP addresses
• Usage patterns and preferences within our platform
• Communication records when you contact our support team

Your data powers our budget control features. We analyze your spending patterns to provide personalized insights, categorize transactions automatically, and help you identify areas where you might save money. This isn't just number crunching - we're building tools that actually make sense for your financial situation.

We also use aggregated, anonymized data to improve our services. This helps us understand common budgeting challenges and develop features that address real user needs. Your individual information stays private - we're looking at trends across thousands of users, not your specific purchases.

We don't sell your personal financial information to third parties. Period. However, we do share certain information in specific circumstances that help us provide our services or comply with legal requirements.

All third-party partners are bound by strict confidentiality agreements and must meet our security standards. We regularly audit these relationships to ensure your data remains protected.

We use bank-level encryption to protect your financial information. All data transmission happens over secure SSL connections, and we store your information in encrypted databases with multiple layers of access control.

Our security measures include regular penetration testing, employee background checks, and compliance with Australian Privacy Principles. We also monitor for suspicious activity 24/7 and have incident response procedures ready if anything unusual occurs.

• 256-bit SSL encryption for all data transmission
• Multi-factor authentication for account access
• Regular security audits and vulnerability assessments
• Restricted employee access on a need-to-know basis
• Secure data centers with physical access controls

Under Australian privacy law, you have specific rights regarding your personal information. You can request access to what we have, ask us to correct errors, or request deletion of your account and associated data.

You can also control how we use your information for marketing purposes. We'll send you important account updates regardless, but promotional emails are always optional. You can update these preferences in your account settings or contact us directly.

If you want to delete your account completely, we'll remove your personal information within 30 days. We may retain some anonymized data for service improvement, but it won't be linked back to you personally.

We keep your account information as long as your account remains active. Transaction data is typically retained for seven years to help with tax reporting and financial planning features. After account closure, most personal data is deleted within 30 days.

Some of our service providers are located outside Australia, particularly cloud hosting services in the United States and Europe. We ensure these transfers comply with Australian privacy requirements and that your data receives equivalent protection abroad.

All international data transfers are governed by standard contractual clauses and adequacy decisions that meet Australian privacy standards. We regularly review these arrangements to ensure ongoing compliance.

Our website uses cookies to remember your preferences and keep you logged in securely. We also use analytics tools to understand how people use our platform, which helps us fix problems and improve features.

You can control cookie settings through your browser, though some features may not work properly if you disable essential cookies. We don't use tracking for advertising purposes - our cookies are focused on functionality and service improvement.

• Essential cookies for login and security features
• Preference cookies to remember your settings
• Analytics cookies to improve our services
• No advertising or cross-site tracking cookies

We update this privacy policy occasionally to reflect changes in our services or legal requirements. When we make significant changes, we'll notify you by email and post the updated policy on our website with a new effective date.

Minor clarifications or formatting changes may not trigger notifications, but we'll always maintain the current version here. We recommend checking this page periodically, especially if you have concerns about how we handle your information.