Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when registering for our services, participating in our programs, or contacting us for support. This includes your name, email address, phone number, postal address, date of birth, and financial situation details that you choose to share during assessments.

Technical Information

Our systems automatically collect certain technical information when you visit our website or use our services. This includes your IP address, browser type, operating system, referring website, pages viewed, and time spent on our platform. We also collect device identifiers and location data where permitted by your device settings.

How We Use Your Information

We use your personal information for several specific purposes, all aimed at providing you with effective financial stress management support:

• Providing personalized financial wellness assessments and recommendations
• Delivering educational content and resources tailored to your situation
• Communicating with you about our services, updates, and relevant information
• Improving our platform's functionality and user experience
• Conducting research and analysis to enhance our services
• Complying with legal obligations and regulatory requirements
• Preventing fraud and ensuring the security of our platform

We process your information based on legitimate interests, contractual necessity, legal compliance, and your explicit consent where required. You can withdraw consent at any time by contacting us directly.

Information Sharing and Disclosure

Third-Party Service Providers

We work with trusted third-party service providers to deliver our services effectively. These partners include cloud hosting providers, email communication platforms, analytics services, and payment processors. All third parties are contractually bound to protect your information and use it only for the specific services they provide to us.

Legal Requirements

We may disclose your information when required by law, such as responding to court orders, government investigations, or regulatory inquiries. We may also share information to protect our rights, prevent fraud, or ensure the safety of our users and the public.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security framework includes:

• Advanced encryption for data transmission and storage using industry-standard protocols
• Multi-factor authentication systems for administrative access
• Regular security audits and penetration testing
• Secure data centres with physical and digital access controls
• Employee training on data protection and privacy best practices
• Incident response procedures for potential security breaches

While we maintain robust security measures, no system is completely immune to risks. We continuously monitor and update our security practices to address emerging threats and maintain the highest level of protection for your information.

Your Rights and Choices

Access and Correction

Under Australian privacy law, you have the right to request access to the personal information we hold about you. You can also request corrections to any inaccurate or incomplete information. We'll respond to these requests within 30 days and provide the information in a readily accessible format.

Data Portability and Deletion

You can request a copy of your personal data in a structured, machine-readable format. You also have the right to request deletion of your personal information, subject to certain legal and operational requirements. We'll honor deletion requests while retaining information necessary for legal compliance or legitimate business purposes.

Communication Preferences

You can control how we communicate with you by updating your preferences in your account settings or by contacting us directly. You can opt out of marketing communications while still receiving essential service-related messages.

Data Retention and International Transfers

Retention Periods

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Generally, we keep account information for seven years after account closure, in line with Australian financial record-keeping requirements.

International Data Transfers

Some of our service providers may process your information outside Australia, particularly in the United States and European Union. We ensure adequate protection through contractual safeguards, adequacy decisions, or other approved transfer mechanisms under Australian privacy law.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These include essential cookies for functionality, performance cookies for analytics, and preference cookies to remember your settings. You can manage cookie preferences through your browser settings, though disabling certain cookies may limit platform functionality.

We also use web analytics tools to understand how users interact with our platform, helping us improve our services and user experience. This data is aggregated and anonymized to protect individual privacy.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. We'll notify you of significant changes through email or prominent notices on our platform. Continued use of our services after changes indicates acceptance of the updated policy.

We encourage you to review this policy regularly to stay informed about how we protect your information. The most current version will always be available on our website with the effective date clearly displayed.