Privacy Policy

We collect various types of information to provide and improve our financial management services. The information we gather falls into several categories:

Your information helps us deliver better financial management tools and support. Here's how we use the data we collect:

• Provide access to our spreadsheet templates and financial planning tools
• Process your account registration and manage your subscription
• Offer customer support and respond to your inquiries
• Send important updates about our services and new features
• Improve our platform based on user feedback and usage patterns
• Ensure security and prevent fraudulent activity
• Comply with legal requirements and regulatory obligations
• Develop new features that address common financial management challenges

We never sell your personal information to third parties, and we only share data when necessary to provide our services or when required by law.

Protecting your financial information is our top priority. We implement multiple layers of security to safeguard your data:

• All data transmitted between your device and our servers is encrypted using TLS 1.3
• Financial information is stored using AES-256 encryption at rest
• Regular security audits and penetration testing by independent security firms
• Multi-factor authentication available for all user accounts
• Strict access controls limiting who can view your information
• Automated monitoring systems that detect unusual activity
• Regular backups stored in secure, geographically distributed locations
• Incident response procedures in place for any potential security issues

Our servers are hosted in secure Australian data centers that comply with international security standards. We regularly review and update our security measures to address emerging threats.

We limit data sharing to essential situations that support our service delivery. We may share your information in these specific circumstances:

• With trusted service providers who help us operate our platform (hosting, payment processing, customer support)
• When required by Australian law, court order, or government request
• To protect our rights, property, or safety, or that of our users
• In connection with a business transfer, merger, or acquisition (with your consent)
• With your explicit consent for specific purposes

All third-party service providers we work with are required to maintain the same level of data protection and are prohibited from using your information for any other purpose. We maintain written agreements with these providers that specify their obligations regarding your data.

We retain your information only as long as necessary to provide our services and comply with legal requirements:

• Active account data is retained while your account remains open and active
• Financial data you input is kept for the duration of your subscription plus 7 years for tax and regulatory compliance
• Technical logs and analytics data are automatically deleted after 24 months
• Marketing communications data is retained until you unsubscribe
• Customer support records are kept for 5 years to help resolve future issues

When you close your account, we begin the deletion process within 30 days. Some information may be retained longer if required by law or for legitimate business purposes, such as preventing fraud or resolving disputes.

We use cookies and similar technologies to enhance your experience and understand how you use our platform:

• Essential cookies that enable basic functionality like logging in and navigating the platform
• Analytics cookies that help us understand which features are most useful
• Preference cookies that remember your settings and customizations
• Security cookies that help protect your account from unauthorized access

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some platform functionality. We don't use third-party advertising cookies or sell data to advertisers.

Your data is primarily stored and processed within Australia. In some cases, we may transfer data internationally for specific purposes:

• Cloud storage backups in secure facilities located in New Zealand and Singapore
• Customer support services provided by partners in countries with adequate privacy protections
• Security monitoring services that may process data in the United States under appropriate safeguards

All international transfers are protected by appropriate safeguards, including encryption, contractual obligations, and compliance with Australian privacy law requirements.

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes:

• We'll notify you via email at least 30 days before changes take effect
• We'll post a prominent notice on our website explaining the updates
• We'll maintain previous versions of this policy for your reference
• You'll have the opportunity to review changes before they become effective

Continuing to use our services after changes take effect means you accept the updated policy. If you don't agree with changes, you can close your account before they become effective.