1. Information We Collect

We collect different types of information depending on how you interact with our services. Some of this happens automatically, while other information you provide directly to us.

Personal Information You Provide

When you register for our services, contact us, or use our budget analysis tools, you may provide:

• Full name and preferred contact details
• Email address and phone number
• Business or organization name (if applicable)
• Financial data related to budget planning and variance tracking
• Payment information for subscription processing
• Communication preferences and feedback

Automatically Collected Information

Our systems automatically log certain technical information when you visit our website:

• IP address and general location data
• Browser type, operating system, and device information
• Pages visited, time spent, and navigation patterns
• Referral sources and search queries that brought you to our site
• Cookie data and session identifiers

Financial Analysis Data

When you use our budget deviation analysis tools, we process financial information you upload or input. This might include budget forecasts, actual spending figures, variance reports, and related documentation. We treat this data with strict confidentiality and use it solely to provide our analytical services.

2. How We Use Your Information

Your data helps us deliver effective services and improve your experience. Here's what we do with the information we collect:

We don't use your financial data for marketing purposes or share it with third parties for their promotional activities. Your budget information stays between you and our analysis platform.

3. Data Sharing and Disclosure

We keep your information private but sometimes need to share certain data with trusted partners who help us run our services.

Service Providers

We work with carefully selected companies that provide essential infrastructure:

• Cloud hosting providers for secure data storage
• Payment processors for handling transactions
• Email service providers for communication delivery
• Analytics tools for understanding platform usage

These providers only access data necessary for their specific functions and are contractually bound to protect your information.

Legal Requirements

We may disclose your information if required by Australian law, court orders, or government requests. This includes situations involving suspected fraud, violations of our terms, or threats to public safety.

4. Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. We make it straightforward to exercise these rights.

Access and Correction

You can request a copy of the personal information we hold about you at any time. If you spot something incorrect or outdated, let us know and we'll fix it promptly. Most account information can be updated directly through your user dashboard.

Data Portability

Need to move your data elsewhere? You can request your information in a commonly used, machine-readable format. This includes your budget data, analysis reports, and account details.

Deletion Requests

You can ask us to delete your personal information, though we may need to retain certain records for legal or accounting purposes. Financial transaction records, for example, must be kept for seven years under Australian tax law. When you request deletion, we'll explain what we can remove immediately and what we're legally required to keep.

Marketing Preferences

You control whether you receive promotional emails from us. Every marketing message includes an unsubscribe link, or you can update your preferences in your account settings. We'll still send essential service notifications regardless of your marketing preferences.

5. Data Security and Storage

We take reasonable steps to protect your information from unauthorized access, loss, or misuse. Our security measures include:

• Encryption of data in transit using industry-standard TLS protocols
• Encrypted storage of sensitive financial information
• Regular security audits and vulnerability assessments
• Access controls limiting staff access to personal data
• Secure backup procedures to prevent data loss

Your financial data is stored on servers located in Australia, ensuring compliance with local data protection requirements. While we implement strong security measures, no online system is completely immune to breaches. If a security incident affects your data, we'll notify you as required by law.

6. Cookies and Tracking

Our website uses cookies and similar technologies to remember your preferences and understand how people use our platform. You'll see a notification when you first visit asking for your cookie preferences.

Types of Cookies We Use

Essential cookies keep the website functioning properly and remember your login status. Analytics cookies help us understand which features get used most and where people encounter problems. Preference cookies remember your settings like language or display options.

You can disable cookies through your browser settings, though some features may not work properly without them. Our platform remains functional with only essential cookies enabled.

7. Data Retention

We keep your information only as long as necessary for the purposes described in this policy. Different types of data have different retention periods:

• Active account data remains accessible while your subscription is current
• Financial records are retained for seven years per Australian tax requirements
• Marketing contact information is deleted within 60 days of an unsubscribe request
• Website analytics data is anonymized after 26 months
• Closed account data is deleted after 90 days, except for legally required records

When data reaches the end of its retention period, we securely delete it from our active systems and backups.

8. Children's Privacy

Our services aren't designed for users under 18, and we don't knowingly collect information from children. If we discover we've accidentally collected data from someone under 18, we'll delete it immediately. Parents or guardians who believe their child has provided us with personal information should contact us right away.

9. Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify active users via email and display a notice on our website. The effective date at the top of this document shows when the current version took effect.

Continuing to use our services after policy updates means you accept the revised terms. If you disagree with changes, you can close your account before they take effect.

10. Complaints and Disputes

If you're concerned about how we've handled your personal information, please contact us first so we can try to resolve the issue. We take complaints seriously and will investigate thoroughly.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the government body responsible for privacy oversight in Australia. Visit oaic.gov.au for information about the complaints process.