We collect information in several ways, always with your knowledge and consent. Here's what we gather and why we need it:

• Personal Details: Name, email address, phone number, and postal address when you create an account or contact us
• Financial Information: Income ranges, expense categories, and budgeting goals you choose to share with our tools
• Usage Data: How you interact with our website, which features you use, and what content helps you most
• Technical Information: IP address, browser type, device information, and cookies that help our site function properly
• Communication Records: Emails, chat messages, and support requests when you reach out to us

Every piece of information we collect serves a specific purpose. We don't use your data for anything beyond what's necessary to provide our budgeting services and improve your experience.

We analyze usage patterns to understand which features help people most with their budgeting. This helps us focus our development efforts on what actually makes a difference in your financial planning. Your individual data always remains confidential—we only look at anonymized trends across all users.

We don't sell your personal information to anyone. Period. The only times we share your data are when it's necessary for our service or required by law.

Under Australian privacy law, you have significant control over your personal information. These aren't just legal requirements for us—they're commitments we take seriously.

To exercise any of these rights, email us at support@phaserexlo.com with your request. We'll verify your identity and respond within 30 days. There's no charge for reasonable requests, though we may ask you to pay administrative costs for excessive or repetitive requests.

Protecting your financial information requires multiple layers of security. We've invested heavily in both technology and processes to keep your data safe.

We only keep your information as long as necessary to provide our services or meet legal obligations. Different types of data have different retention periods based on their purpose and legal requirements.

When retention periods expire, we permanently delete your information from our active systems. Backups are overwritten within 90 days of deletion. You can request early deletion of your account at any time, though some information may need to be retained for legal compliance.

Your personal information is primarily stored on servers located in Australia. However, some of our service providers operate internationally, which means your data might occasionally be processed overseas.

When international transfers occur, we ensure adequate protection through several mechanisms: standard contractual clauses approved by Australian privacy authorities, adequacy decisions recognizing equivalent privacy protection in destination countries, or explicit consent for specific purposes.

Our website uses cookies and similar technologies to function properly and provide you with a better experience. We're transparent about what we use and give you control over optional tracking.

You can manage cookie preferences through your browser settings or our cookie consent tool. Disabling certain cookies may limit some features, but core budgeting functionality will continue to work.

We update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. We'll never make changes that reduce your privacy rights without clear notification and your consent where required.

For minor updates that don't affect how we handle your information, we'll update the effective date and post the revised policy on our website. For significant changes that impact your rights or how we use your data, we'll email all active users at least 30 days before the changes take effect.

We maintain an archive of previous policy versions, available on request, so you can always see what commitments we made when you first shared your information with us.