Information We Collect
We collect information directly from you, automatically through your use of our services, and sometimes from third parties. Understanding what we collect helps you make informed decisions about sharing your information with us.
Personal Information You Provide
- Contact details including name, email address, phone number, and postal address
- Financial information such as bank account details, credit card information, and transaction history
- Identity verification documents including driver's license, passport, or other government-issued ID
- Employment information including job title, employer details, and income verification
- Demographic information such as age, gender, and location preferences
- Communication records including emails, chat messages, and support tickets
- Survey responses and feedback about our services
Australian Privacy Principle Compliance: We collect personal information only when necessary for our business functions and in accordance with the Privacy Act 1988 (Cth). You can choose not to provide certain information, though this may limit our ability to provide some services.
Information Collected Automatically
When you use our website and services, we automatically collect technical information that helps us improve your experience and maintain security. This includes your IP address, browser type, device information, and how you interact with our platform.
We also track usage patterns, such as which pages you visit, how long you spend on different sections, and what features you use most frequently. This helps us understand user behavior and optimize our services accordingly.
How We Use Your Information
We use your personal information for several legitimate business purposes, always in accordance with Australian privacy law. Our primary goal is to provide you with excellent financial record-keeping services while maintaining the highest standards of data protection.
Service Delivery and Account Management
Your information allows us to create and maintain your account, process transactions, provide customer support, and deliver the financial record-keeping services you've requested. We also use it to communicate important account information and service updates.
Legal and Regulatory Compliance
As a financial services provider in Australia, we're required to collect and maintain certain information to comply with anti-money laundering laws, tax reporting requirements, and other regulatory obligations. This includes identity verification and transaction monitoring.
We may be required to report certain transactions or account activities to Australian regulatory authorities including AUSTRAC, the ATO, or other government agencies as mandated by law.
Security and Fraud Prevention
We analyze usage patterns and transaction data to detect potentially fraudulent activity and protect your account security. This includes monitoring for unusual login attempts, suspicious transactions, and other security threats.
Our security systems use automated tools to flag potentially risky activities, which may temporarily restrict account access while we verify the legitimacy of the activity with you directly.
Data Storage and Security
We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security approach includes both technical and organizational measures designed to safeguard your data throughout its lifecycle.
Technical Security Measures
Your data is protected using industry-standard encryption both in transit and at rest. We use secure servers located in Australian data centers with restricted physical access, regular security audits, and continuous monitoring for potential threats.
All staff access to personal information is restricted based on job requirements and protected by multi-factor authentication. We regularly update our security systems and conduct penetration testing to identify and address potential vulnerabilities.
Data Retention
We retain your personal information only for as long as necessary to provide our services and comply with legal requirements. For financial records, this typically means retaining transaction data for seven years as required by Australian tax law.
Account information and communications are typically retained for the duration of your relationship with us, plus an additional period to handle any post-closure inquiries or legal requirements.
Data Deletion
When we no longer need your personal information, we securely delete or destroy it using methods that ensure the information cannot be reconstructed or accessed. This includes secure deletion of digital files and physical destruction of paper documents.
Your Privacy Rights
Under Australian privacy law, you have several important rights regarding your personal information. We're committed to helping you exercise these rights and will respond to your requests within the timeframes required by law.
Access Your Information
You can request access to the personal information we hold about you. We'll provide this information in a clear and understandable format, usually within 30 days of your request.
Correct Your Information
If you believe any of your personal information is inaccurate, incomplete, or outdated, you can request corrections. We'll update your information promptly once we verify the requested changes.
Restrict Processing
You can request that we limit how we use your personal information in certain circumstances, such as while we investigate a complaint about data accuracy or the lawfulness of processing.
Data Portability
Where technically feasible, you can request a copy of your personal information in a structured, commonly used format that allows you to transfer it to another service provider.
Object to Processing
You can object to certain types of processing of your personal information, particularly for direct marketing purposes or where processing is based on legitimate interests.
Withdraw Consent
Where we process your information based on your consent, you can withdraw that consent at any time. This won't affect the lawfulness of processing before your withdrawal.
Making a Privacy Request
To exercise any of these rights, contact our Privacy Officer using the details provided at the end of this policy. We may need to verify your identity before processing your request to protect your personal information from unauthorized access.
Most requests are free, though we may charge a reasonable fee for excessive or repetitive requests. We'll always inform you of any fees before processing your request.
Children's Privacy
Our services are designed for adults and businesses managing financial records. We don't knowingly collect personal information from children under 16 years of age without appropriate parental consent.
If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We'll take steps to remove such information from our systems and implement additional safeguards to prevent future unauthorized collection.
If we become aware that we've inadvertently collected personal information from a child under 16 without proper consent, we'll delete that information as quickly as possible while complying with any legal retention requirements.
International Data Transfers
While we primarily store your data in Australia, some of our service providers and business partners are located overseas. When we transfer your personal information internationally, we ensure appropriate safeguards are in place.
Cross-Border Transfer Protections
We only transfer personal information to countries with adequate privacy protections or where we've implemented appropriate safeguards such as contractual clauses that ensure your information receives equivalent protection to Australian privacy standards.
Before engaging any overseas service provider, we conduct due diligence to ensure they can meet our privacy and security requirements. We also monitor their compliance on an ongoing basis.
Changes to This Privacy Policy
We may update this privacy policy from time to time to reflect changes in our practices, legal requirements, or business operations. When we make significant changes, we'll notify you through your registered email address or by posting a prominent notice on our website.
We encourage you to review this policy periodically to stay informed about how we protect your personal information. Continued use of our services after changes take effect constitutes acceptance of the updated policy.
We'll always maintain previous versions of our privacy policy for at least 12 months so you can review what terms applied to your information at different times.
Privacy Contact Information
If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a privacy concern, our Privacy Officer is here to help.
Mackay, QLD, 4740
Australia
We aim to respond to all privacy inquiries within 30 days. For complex matters, we may need additional time and will keep you informed of our progress.
If you're not satisfied with our response to your privacy complaint, you can contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by calling 1300 363 992.
This privacy policy was last updated on March 15, 2025