Privacy Policy

1. About This Policy

This Privacy Policy applies to all personal information collected by CashFlowIQ through our website, services, and any related platforms. By using our services, you consent to the collection, use, and disclosure of your personal information as described in this policy.

2. What Personal Information We Collect

2.1 Information You Provide Directly

We collect personal information that you voluntarily provide to us, including:

• Contact Information: Name, email address, phone number, mailing address
• Account Information: Username, password, security questions
• Financial Information: Income data, expenses, financial goals, investment preferences (when you choose to provide this for forecasting purposes)
• Payment Information: Credit card details, billing information (processed through secure third-party payment processors)
• Communication Information: Messages, feedback, and support inquiries

2.2 Information We Collect Automatically

When you use our services, we automatically collect:

• Technical Information: IP address, browser type and version, operating system, device identifiers
• Usage Information: Pages visited, time spent on pages, links clicked, features used
• Performance Data: Response times, download errors, length of visits to pages
• Location Information: General geographic location based on IP address

2.3 Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyse website performance and user behavior
• Provide personalised content and recommendations
• Deliver targeted marketing communications

For detailed information about our cookie practices, please see our Cookie Policy.

2.4 Sensitive Information

We may collect sensitive information only where:

• You have provided express consent
• Collection is required or authorised by law
• Collection is necessary for the establishment, exercise, or defense of legal claims

Sensitive information may include financial hardship details or health information that affects your financial planning.

3. How We Collect Personal Information

We collect personal information through:

• Direct Collection: When you register for an account, complete forms, or communicate with us
• Website Interaction: Through cookies, analytics tools, and tracking technologies
• Third-Party Sources: From our business partners, data aggregators, and public sources (only where legally permitted)
• Social Media: If you interact with us through social media platforms
• Integrated Services: When you connect third-party financial services (with your consent)

4. Why We Collect and Use Personal Information

We collect and use your personal information for the following primary purposes:

4.1 Service Provision

• Provide financial forecasting and analysis services
• Create and maintain your user account
• Process payments and manage billing
• Deliver customer support and respond to inquiries
• Personalise your experience and recommendations

4.2 Business Operations

• Improve and develop our services
• Conduct research and analytics
• Ensure security and prevent fraud
• Comply with legal and regulatory obligations
• Manage our business operations and relationships

4.3 Marketing and Communications

• Send service updates and important notices
• Provide marketing communications about our services
• Conduct surveys and gather feedback
• Promote events and educational content

You may opt out of marketing communications at any time using the unsubscribe link in our emails or by contacting us directly.

5. How We Disclose Personal Information

5.1 With Your Consent

We will only disclose your personal information to third parties with your explicit consent, except as outlined in this policy.

5.2 Service Providers

We may disclose personal information to trusted third-party service providers who assist us in:

• Payment processing
• Data hosting and storage
• Analytics and performance monitoring
• Marketing and communication services
• Customer support services

All service providers are bound by confidentiality agreements and are required to handle your information in accordance with Australian privacy laws.

5.3 Legal Requirements

We may disclose personal information where required or authorised by law, including:

• Compliance with legal obligations
• Response to court orders or government requests
• Protection of our rights, property, or safety
• Prevention of fraud or other illegal activities
• Enforcement of our terms and conditions

5.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, personal information may be transferred to the new entity, subject to the same privacy protections.

6. Cross-Border Disclosure

6.1 Overseas Recipients

We may disclose personal information to overseas recipients, including:

• Cloud Service Providers: Located in the United States and other jurisdictions
• Analytics Providers: For website performance and user behavior analysis
• Payment Processors: For secure payment processing

6.2 Safeguards

When disclosing information overseas, we ensure that:

• Recipients are bound by privacy obligations substantially similar to the APPs
• Appropriate contractual protections are in place
• You are informed of the likely countries where disclosure may occur

Likely countries include the United States, United Kingdom, and members of the European Union.

7. Data Quality and Security

7.1 Data Accuracy

We take reasonable steps to ensure that personal information is:

• Accurate, complete, and up-to-date
• Relevant to the purposes for which it is collected

You can help us maintain accurate information by updating your account details regularly.

7.2 Security Measures

We implement appropriate technical and organisational security measures to protect personal information, including:

• Encryption of data in transit and at rest
• Access controls and authentication requirements
• Regular security assessments and updates
• Staff training on privacy and security procedures
• Incident response and breach notification procedures

7.3 Data Retention

We retain personal information only for as long as necessary to:

• Fulfill the purposes for which it was collected
• Meet legal and regulatory requirements
• Resolve disputes and enforce agreements

8. Your Rights and Choices

8.1 Access and Correction

You have the right to:

• Access personal information we hold about you
• Request correction of inaccurate or incomplete information
• Receive information about how we collect, use, and disclose your personal information

To exercise these rights, please contact us using the details provided below.

8.2 Anonymity and Pseudonymity

Where possible, we provide options to:

• Interact with us anonymously or using a pseudonym
• Access general information without providing personal details

However, some services require personal information for proper functionality and compliance purposes.

8.3 Marketing Opt-Out

You can opt out of marketing communications by:

• Using the unsubscribe link in our emails
• Updating your communication preferences in your account settings
• Contacting us directly with your request

9. Complaints and Contact Information

9.1 Making a Complaint

If you believe we have breached your privacy rights, you can lodge a complaint by:

Email: privacy@cashflowiq.com.au

We will:

• Acknowledge your complaint within 5 business days
• Investigate the matter thoroughly
• Provide a written response within 30 days
• Take appropriate action to address any identified issues

9.2 External Complaints

If you are not satisfied with our response, you may lodge a complaint with:

Office of the Australian Information Commissioner (OAIC)
Phone: 1300 363 992
Website: www.oaic.gov.au
Email: enquiries@oaic.gov.au

9.3 Contact Us

For any privacy-related questions or requests:
Email: privacy@cashflowiq.com.au

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect:

• Changes in our business practices
• Updates to applicable laws and regulations
• Improvements to our services and security measures

We will notify you of material changes by:

• Posting an updated policy on our website
• Sending email notifications to registered users
• Providing prominent notice on our platform

11. Additional Information

11.1 Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children without parental consent.

11.2 Links to Third-Party Sites

Our website may contain links to third-party sites. We are not responsible for the privacy practices of these sites and encourage you to review their privacy policies.

11.3 Governing Law

This Privacy Policy is governed by Australian law, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles.