Information We Collect

When you use our budget calendar planning services, we collect information that helps us provide you with personalised financial planning tools. This includes personal details you provide when creating an account, your financial goals and preferences, and usage data about how you interact with our platform.

We only collect information that's necessary to deliver our services effectively. You can control much of what we collect through your account settings, and we'll always ask before collecting sensitive financial data.

How We Use Your Information

Your information helps us create better budgeting experiences and provide relevant financial planning insights. We use this data to personalise your dashboard, send helpful budget reminders, and improve our planning algorithms.

We also analyse usage patterns to understand which features are most valuable and identify areas for improvement. This helps us develop new tools that genuinely support your financial planning goals.

Information Sharing and Disclosure

We don't sell your personal information to third parties. Period. When we do share information, it's limited to specific circumstances that directly support your use of our services or meet legal requirements.

Sometimes we work with trusted service providers who help us deliver our platform – things like hosting, email delivery, and analytics. These partners are contractually bound to protect your information and can only use it for the specific services they provide to us.

Under Australian privacy law, we may disclose your information when required by law enforcement agencies, courts, or regulatory bodies. We'll notify you of such requests unless legally prohibited from doing so.

Your Rights and Choices

You have significant control over your personal information. Under the Australian Privacy Principles, you can access the information we hold about you, request corrections to inaccurate data, and in many cases, ask us to delete your account entirely.

To exercise any of these rights, contact us using the details below. We'll respond within 30 days and won't charge you for reasonable requests, though we may need to verify your identity first.

Data Security and Protection

We take data security seriously, especially when it comes to financial information. Our platform uses industry-standard encryption for data transmission and storage, with additional security measures for sensitive financial data.

Regular security audits help us identify and address potential vulnerabilities. We also maintain strict access controls, ensuring only authorised team members can access user data, and only when necessary for legitimate business purposes.

While we implement robust security measures, no online service can guarantee complete security. We recommend using strong, unique passwords and enabling two-factor authentication when available.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and meet legal obligations. For active accounts, we retain personal information while your account remains open and for a reasonable period afterward to handle any issues that might arise.

When you close your account, we'll delete your personal information within 90 days, except where we're legally required to retain certain records. Some anonymised usage data may be kept longer for analytical purposes, but this won't identify you personally.

Cookies and Tracking Technologies

We use cookies and similar technologies to make our platform work better for you. Essential cookies enable basic functionality like keeping you logged in and remembering your preferences. These are necessary for the service to function properly.

Analytics cookies help us understand how people use our platform, which features are popular, and where we can make improvements. You can control most cookies through your browser settings, though disabling essential cookies may affect platform functionality.

We don't use cookies for advertising or tracking across other websites. Our focus is on improving your experience within our platform rather than following your broader online activities.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, legal requirements, or service features. When we make significant changes, we'll notify you through your account email and provide a clear summary of what's changed.

Minor updates, like clarifying existing practices or fixing typos, won't trigger notifications. We recommend checking this page occasionally to stay informed about how we protect your information.

Continued use of our services after policy updates indicates your acceptance of the changes. If you disagree with significant changes, you can close your account before they take effect.