Privacy Policy

1. Introduction

SmartMoneyBudget ("SmartMoneyBudget", "we", "our", "us") respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, store, and protect information when you use SmartMoneyBudget.org.

2. Information We Collect

We may collect:

• Username
• Email address
• Subscription status
• Account registration information
• Technical information such as browser type, operating system, and usage analytics
• Customer support communications

3. Information We Do Not Collect

SmartMoneyBudget does not intentionally collect, request, or store:

• Internet banking usernames
• Internet banking passwords
• Banking security questions
• Multi-factor authentication codes
• Direct banking login credentials
• Credit card details processed by third-party payment providers

Payment information is processed directly by Stripe, PayPal, and Square under their respective privacy policies.

4. Financial Information and Bank Account Access

SmartMoneyBudget is a budgeting and financial organisation platform.

SmartMoneyBudget does not currently provide direct bank account connectivity, Open Banking integration, automatic transaction streaming, or direct access to users' financial institution accounts.

Users may choose to upload bank statements or other financial records into the platform to assist with budgeting and reporting functions.

At this time:

• We do not access users' online banking accounts.
• We do not request users' banking passwords.
• We do not request security codes or authentication credentials.
• We do not have visibility of information stored within a user's financial institution account.

Future versions of SmartMoneyBudget may introduce secure bank connectivity features after the necessary legal approvals, compliance requirements, security controls, and regulatory obligations have been satisfied.

Until such features are implemented, users remain in control of the information they choose to upload, helping maintain privacy and security.

5. How We Use Information

We use information collected to:

• Create and manage user accounts
• Provide access to the platform
• Manage subscriptions
• Process payments through third-party payment providers
• Improve platform functionality
• Respond to customer support requests
• Communicate account-related notices

6. Third-Party Service Providers

We may use trusted third-party providers including:

• Stripe
• PayPal
• Square
• Cloud hosting providers
• Analytics providers
• Email service providers

These providers process information according to their own terms and privacy policies.

7. Data Security

SmartMoneyBudget implements reasonable administrative, technical, and organisational measures to protect personal information.

While we take reasonable steps to protect user information, no online service can guarantee absolute security.

8. Data Retention

We retain personal information for as long as necessary to:

• Provide services
• Meet legal obligations
• Resolve disputes
• Enforce agreements

9. Access and Correction

Users may request access to or correction of personal information held by SmartMoneyBudget by contacting us.

10. Australian Privacy Compliance

SmartMoneyBudget will comply with applicable Australian privacy laws and regulations where required.

11. Contact Information

For privacy enquiries:

Email: support@smartmoneybudget.org