Privacy Policy

Information we collect

We collect information that is reasonably necessary to provide, maintain, secure and improve Online Home Budget. The types of information we may collect include:

• account information, such as your name, email address, mobile number, username, password and login details;
• contact information you provide when contacting us for support or enquiries;
• budget information you enter into the Service, such as income, expenses, categories, bank account names, bills, loans, assets, attachments, notes and other household records;
• payment-related information, such as the plan purchased, payment status, payment date and transaction reference;
• technical information, such as IP address, browser type, device information, pages visited, login times and server logs;
• cookies and similar data used to operate, secure and understand use of the website; and
• any other information you voluntarily provide to us.

Budget and account data

Online Home Budget allows users to enter household budgeting and financial record-keeping information. This information belongs to you and is used to provide the budgeting features of the Service.

We do not use your budget data to provide financial, investment, taxation, legal, accounting or professional advice. We do not sell your budget data to advertisers or unrelated third parties.

Payment information

Payments may be processed by third-party payment providers such as Stripe, PayPal or credit card processors. We may receive and store limited payment-related information, such as confirmation that a payment was made, the amount paid, the date of payment, the paid access period and a transaction reference.

We do not intentionally store full credit card numbers or complete payment card details on our own servers. Payment providers handle payment information in accordance with their own terms and privacy policies.

How we use your information

We may use your information to:

• create, manage and secure your account;
• provide the features and functionality of Online Home Budget;
• verify email addresses, mobile numbers and sensitive account changes;
• process payments and manage paid access periods;
• respond to enquiries, support requests and account issues;
• send important service, account, security or billing notices;
• maintain, test, troubleshoot and improve the Service;
• monitor and protect the Service against misuse, fraud, unauthorised access or security threats;
• keep internal records, backups and logs;
• comply with legal, regulatory, accounting or tax obligations; and
• enforce our Terms & Conditions.

Marketing communications

We may send you occasional emails about Online Home Budget, such as service updates, account notices, product changes or relevant announcements. You may unsubscribe from non-essential marketing emails where an unsubscribe option is provided.

We may still send you important service, account, billing or security messages even if you unsubscribe from marketing emails.

Cookies, analytics and server logs

We may use cookies, analytics tools and server logs to operate the website, remember user sessions, improve functionality, understand general usage patterns, detect technical problems and protect the Service.

Technical information may include your IP address, browser type, device type, operating system, referring pages, pages visited and the time and date of access.

You may be able to disable cookies through your browser settings, but some parts of the Service may not work correctly without cookies.

When we share information

We do not sell your personal information or budget data. We may disclose information only where reasonably necessary for the operation, support, protection or legal compliance of the Service.

We may share limited information with:

• hosting, storage, backup, database, email, SMS, support, security and technical service providers;
• payment processors used to process purchases and confirm payment status;
• professional advisers, such as accountants, lawyers or technical consultants, where reasonably necessary;
• law enforcement, regulators, courts or government authorities where required or permitted by law; and
• another party if required as part of a business sale, restructure, merger or transfer of assets, subject to reasonable confidentiality protections.

Overseas disclosure

Online Home Budget is hosted in Microsoft Azure Australia Central. Some service providers used to operate the Service, such as email, SMS, payment, security or technical service providers, may store or process limited information outside Australia.

Where this occurs, we take reasonable steps to use reputable providers and to protect information in a manner consistent with this Privacy Policy.

How we protect your information

We use reasonable technical, administrative and organisational measures to protect personal information and user data against misuse, interference, loss, unauthorised access, modification or disclosure.

These measures may include access controls, password hashing, email and mobile verification, two-factor authentication checks, server security, backups, monitoring and other security practices.

However, no method of online transmission or storage is completely secure. You are responsible for keeping your login details confidential and for using a secure password.

Data storage, backups and retention

We retain information for as long as reasonably necessary to provide the Service, maintain business records, resolve disputes, comply with legal obligations, protect the Service and enforce our Terms & Conditions.

Backup copies may remain in secure backup systems for a limited period after information is changed or deleted. Because backups are designed for disaster recovery, deleted information may not be removed from all backups immediately.

Inactive accounts

We may delete inactive accounts and associated data if an account has not been accessed for more than 365 days. We may apply shorter retention periods to trial, free, cancelled, expired or unpaid accounts.

Where practical, we may attempt to notify you before deleting account data, but we are not required to retain inactive account data indefinitely. Once data has been deleted, it may not be recoverable.

Access, correction and deletion requests

You may contact us to request access to personal information we hold about you, to request correction of inaccurate information, or to request deletion of your account or personal information.

We may need to verify your identity before actioning a request. We may also retain certain information where required or permitted by law, including for legal, accounting, tax, security, backup or dispute-resolution purposes.

Children's privacy

Online Home Budget is intended for use by adults or by users acting with the permission and supervision of a parent or guardian. We do not knowingly seek to collect personal information from children.

If we become aware that a child has provided personal information without appropriate permission, we may delete that information and close the relevant account.

Third-party links

The website may contain links to third-party websites or services. We do not control and are not responsible for the privacy practices, content, security or policies of those third parties.

You should review the privacy policy of any third-party website or service before providing personal information to them.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time by publishing the revised version on this page. The updated Privacy Policy will apply from the date it is published, unless otherwise stated.

Your continued use of the Service after changes are published means you accept the updated Privacy Policy.

Contact us

If you have any questions about this Privacy Policy, your personal information, your account, or how Online Home Budget handles data, please contact us through the website or by email at support@protosoft.com.au.