Information We Collect

When you engage with our financial progress measurement platform, we collect several types of information to provide you with personalised insights and track your financial journey effectively.

We also gather financial data that you voluntarily provide, including income information, expense categories, savings goals, investment preferences, and debt details. This information helps us create meaningful progress measurements and personalised recommendations.

Technical information is automatically collected through your use of our platform, including IP addresses, browser types, device information, and usage patterns. We use cookies and similar technologies to enhance your experience and remember your preferences.

How We Use Your Information

Your information serves specific purposes that directly benefit your financial progress tracking experience. We process this data to provide accurate progress measurements, generate personalised financial insights, and deliver relevant educational content.

We never sell your personal information to third parties. Any data processing is conducted with your explicit consent or under legitimate business interests as defined by Australian Privacy Principles.

Data Storage and Security

We implement robust security measures to protect your sensitive financial information. All data is encrypted both in transit and at rest using industry-standard AES-256 encryption protocols.

Our servers are located within Australia and operated by certified data centres that comply with ISO 27001 security standards. We conduct regular security audits and maintain comprehensive backup systems to ensure data integrity.

Access to your personal information is strictly limited to authorised personnel who require it for legitimate business purposes. All staff members undergo privacy training and sign confidentiality agreements.

Your Privacy Rights

Under the Australian Privacy Act 1988, you have specific rights regarding your personal information. We're committed to honouring these rights and providing clear mechanisms for you to exercise them.

Third-Party Services

We work with carefully selected third-party providers to deliver our financial progress measurement services. These relationships are governed by strict data processing agreements that ensure your information remains protected.

Banking data integration relies on secure APIs provided by major Australian financial institutions. These connections use bank-grade security protocols and never store your banking credentials on our systems.

Analytics tools help us understand how users interact with our platform, but all personal identifiers are removed or anonymised before processing. We use services like Google Analytics with IP anonymisation enabled and data retention limits set to 14 months.

Email communications are managed through secure Australian-based providers that comply with local data protection requirements. You can opt out of marketing emails at any time while still receiving essential account notifications.

Cookies and Tracking

Our website uses cookies to enhance your browsing experience and provide personalised content. We categorise cookies based on their purpose and provide you with control over non-essential tracking.

Essential cookies are necessary for basic website functionality, including login sessions, security features, and form submissions. These cannot be disabled without affecting core platform features.

Functional cookies remember your preferences, such as dashboard layouts, notification settings, and language choices. You can disable these through your browser settings, though doing so may impact your user experience.

Analytics cookies help us understand user behaviour and improve our services. These cookies collect aggregated, anonymous data about page views, session duration, and feature usage patterns. You can opt out through our cookie preferences or browser settings.

International Data Transfers

We primarily process and store your information within Australia using local data centres and service providers. However, some technical infrastructure may involve international transfers under strict security conditions.

Any international transfers occur only with companies that provide adequate data protection safeguards equivalent to Australian privacy standards. These arrangements include contractual clauses that ensure your rights remain protected regardless of processing location.

Cloud backup services may temporarily store encrypted data in secure facilities across multiple jurisdictions to ensure business continuity. All such arrangements are covered by comprehensive data processing agreements and regular compliance audits.

Data Breach Procedures

In the unlikely event of a data breach affecting your personal information, we have established procedures to respond quickly and transparently. Our incident response team is trained to assess, contain, and remediate security incidents promptly.

We'll notify affected users within 72 hours of discovering any breach that poses a risk to your privacy or security. These notifications will include details about what information was involved, steps we've taken to address the issue, and recommendations for protecting yourself.

Serious breaches affecting sensitive information will be reported to the Office of the Australian Information Commissioner as required by the Notifiable Data Breaches scheme under the Privacy Act 1988.

Changes to This Policy

We review and update this privacy policy annually or whenever significant changes occur to our data processing practices. Material changes will be communicated through email notifications and prominent website notices.

Minor updates, such as contact information changes or clarifications to existing practices, will be posted on this page with an updated "last modified" date. We encourage you to review this policy periodically to stay informed about how we protect your information.

Significant policy changes that affect your rights or how we process your data will include a 30-day notice period before implementation, giving you time to review the changes and make informed decisions about your account.