Privacy Policy

Where Does My Money Go ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you use our website and services at https://www.wheredoesmymoneygo.info (the "App" or "Site"). By using the App, you agree to this Privacy Policy.

1. Our Legal Basis and Australian Framework

We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). If we operate or store data outside Australia, we take reasonable steps to ensure overseas recipients do not breach the APPs in relation to your information.

2. Information We Collect

2.1 Information You Provide

• Account details: name, email, password
• Financial data: transaction details, categories, balances, notes and attachments you choose to provide
• Support & feedback: messages, email correspondence, bug reports, and survey responses

Important: We do not collect your bank login credentials. If you choose to connect a financial provider, connections are handled through secure integrations and tokens where applicable.

2.2 Information We Collect Automatically

• Usage & diagnostics: pages visited, features used, session timestamps, referring URLs
• Device & technical data: IP address, browser, operating system, device identifiers
• Cookies & similar tech: used for session management, security, preferences, and analytics (see Section 8)

3. How We Use Personal Information

We use information to:

• Provide, operate, and improve the App (including transaction categorisation and cash-flow forecasting)
• Personalise your experience (dashboards, reports, and recommendations)
• Communicate with you about updates, security alerts, and support
• Monitor, detect, and prevent fraud, abuse, and security incidents
• Comply with law, regulatory requirements, and enforce our terms

We do not sell your personal information.

4. Disclosure of Personal Information

We may disclose personal information:

• To service providers (e.g., cloud hosting, analytics, customer support tools) acting under contractual confidentiality and security obligations
• To third-party integrations you authorise (e.g., financial data connections)
• For legal reasons (court orders, law enforcement, or where required/authorised by law)
• Business transfers (e.g., merger, acquisition, or restructure) where reasonable steps will be taken to ensure continuity of privacy protections

5. Overseas Disclosure

Our service providers or data storage may be located in or accessed from countries outside Australia. Where we disclose personal information overseas, we take reasonable steps to ensure recipients comply with privacy standards that are substantially similar to the APPs or are otherwise bound to protect your information.

6. Data Security

We use administrative, technical, and physical safeguards including HTTPS encryption, access controls, and audit logging. While we work hard to protect your information, no method of transmission or storage is completely secure.

7. Data Retention & Deletion

• We keep personal information only for as long as needed for the purposes described in this Policy or as required by law
• You may request deletion of your account and associated personal information (subject to lawful retention requirements)

8. Cookies and Analytics

We use cookies and similar technologies to keep you signed in, remember preferences, and understand how the App is used. You can control cookies via your browser settings; some features may not work properly if cookies are disabled.

9. Your Rights (Australia)

Under the APPs you may:

• Request access to your personal information we hold
• Request correction if your information is inaccurate, out-of-date, incomplete, irrelevant, or misleading

To exercise these rights, contact us at patrick@wheredoesmymoneygo.info. We will respond within a reasonable period.

10. Data Breach Notification

If an eligible data breach occurs (likely to result in serious harm), we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) in accordance with the Notifiable Data Breaches (NDB) scheme.

11. Third-Party Links

The App may link to third-party sites or services. Their privacy practices are governed by their own policies. We are not responsible for their content or privacy measures.

12. Children's Privacy

Our App is not intended for individuals under 13 years of age (or under 16 in some jurisdictions). We do not knowingly collect personal information from children.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date will change accordingly. Your continued use of the App after any changes constitutes acceptance of the revised Policy.

14. Contact Us

If you have questions, wish to exercise your rights, or make a complaint, please contact:

Email: patrick@wheredoesmymoneygo.info

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).