Simple Budget AU PTY LTD (ABN 54 697 674 187, ACN 697 674 187) ("Simple Budget", "we", "us", or "our") operates the Simple Budget application and related websites at simplebudget.au (the "Service"). This Privacy Policy explains what personal information we collect when you use the Service, how we use and disclose it, and the choices you have.
By using the Service you agree to the collection, use, and disclosure of your information in accordance with this Privacy Policy. If you do not agree, you must not use the Service.
1. Who we are
The data controller for the Service is:
- Entity: Simple Budget AU PTY LTD
- ABN: 54 697 674 187
- ACN: 697 674 187
- Service address: PO Box 215, Subiaco PO, WA 6904, Australia
- Contact: contact@simplebudget.au
2. Information we collect
2.1 Account information
When you register, we collect your email address and authentication identifiers issued by Microsoft Entra External ID. If you sign in with a social provider (Google, Apple), we receive the basic profile attributes the provider returns (e.g., name, email, subject identifier).
2.2 Financial data you provide
To provide budgeting features, we store the financial information you enter, including budgets, accounts, transactions, categories, currency preferences, and net-worth snapshots. We do not connect to or read data from any financial institution; everything is provided by you.
2.3 Usage and device data
We automatically collect information about your interactions with the Service, including IP address, browser type and version, operating system, device identifiers, page views, request paths, error logs, and approximate location (derived from IP address). This is used for diagnostics, security monitoring, and product improvement.
2.4 Cookies and similar technologies
We use cookies and browser local storage to maintain your authenticated session, remember preferences (such as primary currency), and capture anonymous telemetry that helps us measure performance and reliability. We do not use third-party advertising or cross-site tracking cookies.
You can control cookies through your browser settings. Blocking essential cookies will prevent you from signing in.
3. How we use your information
We use your information to:
- Provide, operate, maintain, and secure the Service.
- Authenticate you and protect your account from unauthorised access.
- Process subscription payments through our payment processor.
- Convert currencies using exchange rates you request.
- Send transactional and service-related communications (e.g., security alerts, billing receipts, material changes to legal terms).
- Respond to support requests and enquiries.
- Detect, investigate, and prevent fraud, abuse, or violations of our Terms.
- Comply with our legal and regulatory obligations.
We do not sell your personal information, and we do not use it for behavioural advertising.
4. Legal bases for processing
Where Australian, EEA, or UK data protection law applies, we rely on:
- Performance of a contract — to deliver the Service you have signed up for.
- Legitimate interests — to secure the Service, prevent fraud, and improve our product, where these interests are not overridden by your rights.
- Consent — for any optional processing we ask you to opt into (e.g., marketing communications, if and when offered).
- Legal obligation — to comply with applicable laws and regulatory requests.
5. Sharing and disclosure
We disclose personal information only as described below:
- Service providers — cloud hosting, identity, email delivery, payment processing, and observability vendors that process data on our behalf under written contracts.
- With your direction — when you invite another user to share a budget, the budget data and your display identifier are visible to them.
- Legal and safety — where required by law, regulation, court order, lawful government request, or where we reasonably believe disclosure is necessary to protect rights, property, or the safety of any person.
- Corporate transactions — in the context of a merger, acquisition, restructure, or sale of assets, in which case we will notify affected users.
6. International transfers
The Service is hosted in Australia. Some of our service providers may process data outside Australia. Where personal information is transferred overseas, we take reasonable steps to ensure the recipient handles it consistently with the Australian Privacy Principles.
7. Data retention
We retain account and financial data for as long as your account is active. If you close your account, we will delete or de-identify your personal information within 30 days, except where we are required to retain specific records for legal, tax, accounting, fraud-prevention, or security purposes. Anonymised, aggregated data that cannot identify you may be retained indefinitely.
8. Security
We use TLS for data in transit, encryption at rest for our databases, hardened identity providers for authentication, role-based access controls for our staff, and routine vulnerability monitoring. No system is completely secure; you are responsible for keeping your authentication credentials confidential and notifying us promptly if you suspect unauthorised access to your account.
9. Your rights
Depending on where you live, you may have rights to:
- Access the personal information we hold about you.
- Request correction of inaccurate or incomplete information.
- Request deletion of your account and associated data.
- Export your data in a structured, machine-readable format.
- Object to or restrict certain processing.
- Withdraw consent where processing is based on consent.
- Lodge a complaint with your local data protection authority. In Australia, this is the Office of the Australian Information Commissioner (oaic.gov.au).
To exercise any of these rights, contact us at contact@simplebudget.au. We respond within 30 days.
10. Children
The Service is not directed to children under 13 and we do not knowingly collect personal information from anyone under 13. If you believe a child has provided us personal information, contact us so we can delete it.
11. Changes to this policy
We may update this Privacy Policy from time to time. When we make material changes we will notify you in the Service and, where appropriate, by email, and ask you to acknowledge the new version before continuing to use the Service. The "Effective" date at the top of this page reflects the most recent revision.
12. Contact
Questions, requests, or complaints about this Privacy Policy should be sent to:
Simple Budget AU PTY LTD PO Box 215, Subiaco PO, WA 6904, Australia contact@simplebudget.au