Privacy Policy
This policy explains how Associated Money handles personal information when you use our budgeting service. We aim to collect only what is needed to provide and protect it.
1. Information we collect
We collect account information such as your email address, username, password hash and optional profile details; financial figures and preferences you enter into budgets, goals and scenarios; and technical/security information such as login attempts, session information and service logs. We do not ask you to provide online banking passwords or connect bank accounts.
2. Why we use it
We use this information to create and authenticate accounts, calculate and save your budgets and scenarios, deliver service emails, administer subscriptions, prevent abuse, troubleshoot problems and meet legal obligations. We do not sell personal information or use your budgeting data to target advertising.
3. Service providers and disclosures
We use hosting and infrastructure providers, including Render, and email delivery services, including Purelymail. When payments become available, a payment provider will process checkout and subscription details; its privacy practices will also apply. Providers may process information in other countries. We disclose information only where reasonably necessary for these purposes, with your permission or as required by law.
4. Security
We use password hashing, access controls, secure web connections and operational backups. No online service can promise absolute security. Do not enter bank passwords, card numbers or other unnecessary sensitive identifiers into budget descriptions.
5. Retention and deletion
We keep account and budgeting information while needed to provide the service, resolve disputes, maintain security or meet legal requirements. If you request account deletion, we will assess and process it subject to applicable retention obligations. Residual copies may remain in time-limited backups until those backups expire. We do not currently promise an exact deletion timeframe.
6. Cookies and sessions
We use essential session cookies and security tokens to keep you signed in and protect forms. They are not used for third-party advertising.
7. Your choices and rights
You may request access to, correction of or deletion of personal information, subject to applicable law. Contact support@associatedmoney.com. We may need to verify your identity before acting on a request.
8. Children
The service is intended for people able to enter a binding agreement. If we learn an account has been created inappropriately by a child, we will review it and take appropriate steps.
9. Changes and complaints
We may update this policy and publish the current version here. For privacy questions or complaints, contact support@associatedmoney.com. If your concern remains unresolved, you may have rights to complain to the Office of the Australian Information Commissioner.