Privacy Policy – Moneytor Pty Ltd

Effective Date: August 20, 2025

Moneytor Pty Ltd (ABN 70 690 032 163, "Moneytor", "we", "our", or "us") respects your privacy and is committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our website, mobile applications, and related services (together, the "Services").

By using Moneytor, you consent to the practices set out in this Privacy Policy.

1. About Us

Moneytor is a personal finance management platform designed to help individuals and households understand, manage, and improve their financial wellbeing. In order to provide our Services, we collect and process certain personal and financial information, including under the Consumer Data Right (CDR) framework, with your consent.

2. Information We Collect

We may collect the following categories of information:

a. Personal Information

Name
Email address
User account identifiers
Household collaboration details (where users invite family members)

We do not knowingly collect information such as date of birth, phone numbers, or postal addresses.

b. Financial Information

With your express consent, we may collect information such as:

Account details and balances
Transaction histories
Income and expense categories
Financial assets and liabilities
User-created categories, tags, and memos

We do not collect or store account numbers, card details, or other sensitive identifiers.

c. Usage Information

We may collect information about how you use our Services, including:

Device, browser, and network identifiers
Log files and diagnostics
Interaction patterns and preferences

3. How We Collect Information

Directly from you when you register, update your profile, or use our Services.
Through third-party providers, including accredited CDR data recipients, with your informed consent.
Automatically through cookies, analytics tools, and other tracking technologies.

4. How We Use Information

We may use your information for the following purposes:

Providing and improving our Services, including insights and financial management features.
Personalising your experience, including dashboards and reports.
Managing billing, subscriptions, and user communications.
Developing future features and services.
Meeting our legal and regulatory obligations.
Ensuring the security and integrity of our Services.

We may also anonymise or aggregate data for research, reporting, and service improvement. We do not sell or rent your personal information.

5. Artificial Intelligence (AI) Data Processing

Moneytor may use artificial intelligence (AI) tools to process transaction descriptions, categories, and spending patterns to generate insights. Personal identifiers are not used in this process. Outputs may be incomplete, outdated, or inaccurate.

AI processing may involve third-party tools, which are subject to their own privacy safeguards.

6. Sharing and Disclosure

We may share your information with:

Fiskil, for Consumer Data Right data, only with your consent.
Stripe, for payment processing.
Other third-party service providers that help us operate our Services, subject to confidentiality and security obligations.
Regulatory and government authorities, where required by law.
Professional advisers (e.g., auditors, legal counsel) where necessary.
Prospective acquirers in the event of a merger, acquisition, or restructure, subject to confidentiality obligations.

We require all third parties to respect your privacy and handle your information lawfully.

7. Your Rights

Subject to Australian law, you have rights to:

Access the personal information we hold about you.
Correct inaccurate or incomplete information.
Withdraw consent to data sharing at any time.
Delete or request deletion of your data (subject to legal and contractual obligations).
Complain about how your information has been handled.

8. Retention

We retain personal information only for as long as is reasonably necessary:

To deliver our Services to you.
To comply with our legal and regulatory obligations.
Until you request deletion of your data.

When information is no longer required, it will be deleted or de-identified within a reasonable timeframe.

9. Data Breach Notifications

Moneytor complies with obligations under the Notifiable Data Breaches scheme in the Privacy Act 1988 (Cth). If a data breach occurs that is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) as required by law.

10. Children’s Privacy

Moneytor is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware of such collection, we will delete the information promptly.

11. International Data Transfers

Our Services are primarily designed for use in Australia. Your personal information may be processed or stored overseas where our third-party providers operate. In such cases, we take reasonable steps to ensure equivalent protection consistent with the APPs.

12. Marketing and Communications

We may send you communications about our Services, including updates and product information.

Essential service communications cannot be unsubscribed from.
Marketing communications (when introduced) will include opt-out mechanisms.

13. Security

We apply reasonable safeguards to protect personal information from misuse, loss, unauthorised access, modification, or disclosure. However, no system is entirely secure, and you are responsible for keeping your login credentials safe.

14. Updates to This Policy

We may update this Privacy Policy from time to time. The revised version will take effect when published on our website. If we make material changes, we may notify you by email or through our Services.

15. Complaints and Contact

If you have questions, concerns, or complaints about this Privacy Policy or our handling of your information, you may contact us at:

Moneytor Pty Ltd
Email: support@moneytor.com.au
Website: https://moneytor.com.au

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.