Cookies are small text files placed on your device when you visit our website. They help us remember your preferences and improve how our budgeting tools work for you. Think of them as digital bookmarks that make your next visit smoother.

Beyond cookies, we also use web beacons, local storage, and similar technologies. These tools work together to understand how people use our financial planning features and where we can make improvements.

Our tracking helps create a better budgeting experience. When you set up expense categories or savings goals, we remember these preferences so you don't have to start over each time you log in.

The data we gather helps us understand how to serve you better. Here's what we typically collect:

You have complete control over how cookies work on your device. Most browsers let you block or delete cookies, though this might affect some website features.

Remember that blocking essential cookies might prevent you from logging in or saving your budget information. We recommend allowing functional cookies while managing optional tracking based on your comfort level.

We don't keep tracking data forever. Different types of information have different retention periods based on how we use them.

You can request to see what data we have, ask us to delete specific information, or update your preferences at any time. These rights apply to all Australian users under privacy legislation.

Some features on our platform work with external services to provide better functionality. For example, our expense categorization might use external databases, or our educational content could come from partner providers.

When you interact with these features, those services might place their own cookies or collect data according to their policies. We choose partners carefully, but recommend reviewing their privacy policies if you have concerns about specific integrations.

You can usually opt out of third-party tracking through your browser settings or by contacting us directly. We'll help you understand which features might be affected and suggest alternatives where possible.

We update this policy when we add new features or change how we handle data. When significant changes occur, we'll notify active users through email or a prominent notice on the platform.

Minor updates, like clarifying existing practices or fixing typos, happen without special notification. We always post the update date at the top of this policy so you can see when changes were made.

This policy was last updated in March 2025 to reflect improvements in our budgeting tools and clarify our data retention practices.