Personal Information

When you register for our services or contact us, we collect personal information including your name, email address, phone number, and postal address. We also gather financial information necessary to provide our planning services, such as income details, investment preferences, and financial goals.

Our platform automatically collects certain technical information when you visit our website, including your IP address, browser type, device information, and pages visited. This helps us improve our services and ensure optimal performance across different devices.

Financial Data

As a financial planning platform, we collect specific financial information to provide personalized advice and services. This includes bank account details, investment portfolios, superannuation information, and other financial assets relevant to your planning needs.

Service Provision

We use your personal and financial information primarily to deliver our financial planning services. This includes creating personalized financial plans, providing investment recommendations, and offering ongoing support for your financial goals.

• Developing customized financial strategies based on your circumstances
• Monitoring your progress toward financial objectives
• Providing educational content relevant to your interests
• Communicating important updates about your account or services

Communication and Marketing

With your consent, we may use your contact information to send newsletters, educational materials, and updates about our services. You can opt out of marketing communications at any time through your account settings or by clicking unsubscribe links in our emails.

Third-Party Service Providers

We may share your information with trusted third-party service providers who assist us in delivering our services. These include payment processors, data analytics providers, and technology partners. All third parties are bound by strict confidentiality agreements and can only use your information for specified purposes.

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. Any sharing is limited to what's necessary to provide and improve our services.

Legal Requirements

Under Australian law, we may be required to disclose personal information in certain circumstances, such as responding to court orders, regulatory investigations, or when required by the Australian Securities and Investments Commission (ASIC).

Security Measures

We implement comprehensive security measures to protect your personal and financial information. Our systems use industry-standard encryption, secure socket layer (SSL) technology, and multi-factor authentication to prevent unauthorized access.

• 256-bit SSL encryption for all data transmission
• Regular security audits and penetration testing
• Secure data centers with 24/7 monitoring
• Employee training on data privacy and security protocols

Data Breach Response

In the unlikely event of a data breach affecting your personal information, we will notify you within 72 hours as required under Australian privacy laws. We maintain a comprehensive incident response plan to minimize any potential impact and restore security quickly.

Access and Correction

Under the Australian Privacy Act 1988, you have the right to access your personal information and request corrections if it's inaccurate or out of date. You can access most of your information through your account dashboard or by contacting our privacy team.

If you believe your personal information is incorrect, please contact us immediately so we can update our records. We aim to respond to all privacy requests within 30 days.

Data Portability and Deletion

You can request a copy of your personal information in a machine-readable format or ask us to delete your account and associated data. Please note that some information may need to be retained for legal or regulatory compliance purposes.

Cross-Border Data Handling

While our primary data centers are located in Australia, some of our service providers may process data in other countries. We ensure that any international transfers comply with Australian privacy laws and include appropriate safeguards to protect your information.

Countries where your data may be processed include New Zealand, Singapore, and the United States, all of which maintain adequate privacy protection standards or are covered by specific data transfer agreements.

Retention Periods

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Financial planning records are typically kept for seven years after account closure, in accordance with Australian financial services regulations.

• Active account data: Retained while account remains active
• Financial planning records: 7 years after account closure
• Marketing communications: Until you unsubscribe
• Website analytics: 2 years for improvement purposes

Cookie Usage

Our website uses cookies to enhance your browsing experience and provide personalized content. Essential cookies are necessary for basic website functionality, while analytical cookies help us understand how users interact with our platform.

You can control cookie preferences through your browser settings. However, disabling certain cookies may affect the functionality of some features on our website.

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 by email and display a prominent notice on our website.

We encourage you to review this policy periodically to stay informed about how we protect your privacy. Your continued use of our services after policy changes indicates your acceptance of the updated terms.