Information We Collect

We collect various types of information to provide and improve our cash flow management services. The information we gather falls into several categories, each serving specific purposes in delivering our services effectively.

Personal Identification Information

When you register for an account or use our services, we collect basic identification details including your full name, email address, phone number, and postal address. This information helps us communicate with you and provide personalized service.

How We Use Your Information

Your information serves specific purposes that directly support the services you've requested. We don't use your data for purposes beyond what's necessary to deliver and improve our cash flow management platform.

• Providing core cash flow management services, including transaction monitoring, financial reporting, and forecasting tools
• Processing payments and managing your account billing accurately and efficiently
• Communicating with you about service updates, account changes, and important notifications
• Improving our platform based on usage patterns and user feedback
• Detecting and preventing fraudulent activity or unauthorized access to your account
• Complying with legal obligations under Australian financial services regulations
• Providing customer support and responding to your inquiries in a timely manner

Data Storage and Security

We store your information on secure servers located in Australia and use industry-standard encryption protocols to protect data both in transit and at rest. Our security measures include multiple layers of protection designed to prevent unauthorized access.

Security Measures

Our infrastructure employs 256-bit SSL encryption for all data transmission. Financial information is encrypted using AES-256 encryption standards, matching those used by major financial institutions. We maintain strict access controls, limiting data access to authorized personnel only.

Regular security audits and penetration testing help us identify and address potential vulnerabilities before they become issues. Our team monitors systems continuously for suspicious activity and responds immediately to any security concerns.

Data Retention

We retain your personal information for as long as your account remains active. After account closure, we keep certain records for seven years to comply with Australian taxation and financial services regulations. You can request earlier deletion of specific non-essential data by contacting our privacy officer.

Information Sharing and Disclosure

We share your information only when necessary to provide our services or when required by law. Our approach prioritizes your privacy while ensuring we can deliver the functionality you expect.

All third-party service providers are contractually bound to protect your information and use it only for the specific purposes we've authorized. We conduct regular reviews of our partners' security practices to ensure they meet our standards.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and provide essential functionality. You can control cookie preferences through your browser settings, though disabling certain cookies may limit some features.

Types of Cookies We Use

• Essential cookies required for login, security, and basic platform functionality
• Performance cookies that help us understand how users interact with our platform
• Functional cookies that remember your preferences and settings
• Analytics cookies providing insights into usage patterns and popular features

We don't use advertising cookies or share your browsing data with advertising networks. Our tracking is limited to what's necessary to improve your experience and maintain platform security.

Children's Privacy

Our services are designed for adults managing personal or business finances. We don't knowingly collect information from individuals under 18 years of age. If you believe we've inadvertently collected data from a minor, please contact us immediately so we can delete it.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email and display a prominent notice on our platform at least 30 days before the changes take effect.

Continued use of our services after policy updates indicates your acceptance of the revised terms. We encourage you to review this page regularly to stay informed about how we're protecting your information.

Complaints and Disputes

If you have concerns about how we've handled your personal information, please contact our privacy officer first. We'll investigate all complaints and respond within 30 days. Most privacy concerns can be resolved through direct communication with our team.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). The OAIC provides an independent review process for privacy complaints and can be reached at www.oaic.gov.au or by calling 1300 363 992.