Privacy Policy

Savvy Dollar is a personal finance planning application operated by Savvy Dollar, based in Brisbane, Queensland, Australia. You can reach us at privacy@savvydollar.io.

References to "Savvy Dollar", "we", "us", or "our" in this policy all refer to the same entity.

This Privacy Policy applies to all personal information collected when you use the Savvy Dollar web application, website at savvydollar.io, and any related communications such as emails we send to you.

It does not cover third-party websites or services that we link to. Those services have their own privacy policies, which we encourage you to read.

Information you give us directly

• Account information — your name and email address when you register.
• Financial data — savings goals, budget figures, debt amounts, and other financial information you manually enter into the app.
• Payment information — if you subscribe to Premium, your payment details are collected and processed by Stripe. We do not store your card number or bank details on our servers.
• Communications — messages you send us via email or support channels.

Information collected automatically

• Usage data — pages visited, features used, actions taken within the app, session duration, and click patterns.
• Device & technical data — browser type, operating system, screen resolution, IP address, and referring URL.
• Cookies and similar technologies — see Section 9 for full details.

Information from third parties

• Financial account data — if you choose to connect a bank account or financial institution via a third-party open banking provider, we receive transaction and balance data that you authorise that provider to share with us. See Section 7 for details.

We use the information we collect to:

• Create and manage your account and provide the Service;
• Display your financial goals, Buckets, and progress within the app;
• Process subscription payments via Stripe;
• Send transactional emails (account confirmation, password resets, billing receipts);
• Send marketing and product update emails, where you have opted in (see Section 8);
• Analyse usage patterns to improve the Service, fix bugs, and develop new features;
• Detect and prevent fraud, abuse, and security incidents;
• Comply with legal obligations; and
• Respond to your support requests and communications.

We do not sell your personal information to third parties. We do not use your personal financial data for advertising purposes.

Where applicable law requires us to identify a legal basis for processing your personal information, we rely on the following:

We share data with the following third-party service providers, who process personal information on our behalf:

We only share the minimum information necessary for each provider to perform their service. We do not authorise these providers to use your data for their own marketing purposes.

We may also disclose your information where required by law, court order, or government authority, or to protect the rights, property, or safety of Savvy Dollar or others.

Savvy Dollar offers an optional feature that allows you to connect your bank account or financial institution via a third-party open banking provider. This feature is entirely optional — you can use Savvy Dollar without connecting any external accounts.

If you choose to connect an account:

• You will be directed to the third-party provider's interface to grant access. That provider's own privacy policy and terms govern their handling of your credentials.
• We do not receive or store your bank login credentials at any point.
• We receive only the transaction and balance data you authorise the provider to share with us.
• That data is used solely to display your financial information within the app.
• You can revoke the connection at any time through your account settings, after which we will no longer receive new data from that provider.

With your consent, we may send you emails about product updates, new features, tips for getting the most out of Savvy Dollar, and occasional promotions.

You can opt out of marketing emails at any time by:

• Clicking the "unsubscribe" link in any marketing email; or
• Updating your communication preferences in your account settings; or
• Emailing us at privacy@savvydollar.io.

Opting out of marketing emails does not affect transactional emails related to your account (such as billing receipts, password resets, and security alerts), which we will continue to send as necessary.

Where required by law (including Australia's Spam Act 2003 and US CAN-SPAM Act), we will only send marketing emails with your consent and will honour opt-out requests promptly.

We use cookies and similar tracking technologies to operate and improve the Service. The types we use include:

You can control cookies through your browser settings. Note that disabling certain cookies may affect the functionality of the Service. Where required by law, we will seek your consent before placing non-essential cookies.

Your data is stored on secure servers. We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, alteration, or disclosure. These include encryption in transit (TLS), access controls, and regular security reviews.

Your data may be stored and processed in Australia, the United States, or other countries where our service providers operate. Where data is transferred internationally, we take steps to ensure it receives an equivalent level of protection.

No method of transmission over the internet is 100% secure. While we take reasonable steps to protect your information, we cannot guarantee absolute security. If you become aware of any security issue, please contact us immediately at privacy@savvydollar.io.

We retain your personal information for as long as your account is active or as needed to provide the Service. If you close your account, we will delete or anonymise your personal information within a reasonable period, except where we are required to retain it by law (for example, financial records for tax purposes).

Analytics data collected by Google Analytics, Mixpanel, and PostHog is retained in accordance with each provider's own retention policies.

You may request deletion of your data at any time — see Section 12.

Depending on where you are located, you may have the following rights in relation to your personal information:

• Access — request a copy of the personal information we hold about you.
• Correction — ask us to correct inaccurate or incomplete information.
• Deletion — request that we delete your personal information (subject to legal retention obligations).
• Portability — receive your data in a structured, machine-readable format.
• Objection — object to processing based on our legitimate interests.
• Withdrawal of consent — where processing is based on your consent, you may withdraw it at any time without affecting the lawfulness of prior processing.
• Restriction — ask us to restrict processing of your data in certain circumstances.

To exercise any of these rights, contact us at privacy@savvydollar.io. We will respond within 30 days. We may need to verify your identity before processing your request.

We are committed to complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

If you believe we have handled your personal information in a way that does not comply with the APPs, you may lodge a complaint with us first at privacy@savvydollar.io. We will respond within 30 days.

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

If you are based in the United States, applicable federal and state privacy laws may give you rights regarding your personal information. We are committed to honouring those rights regardless of which state you are located in. California residents have additional rights under the California Consumer Privacy Act (CCPA/CPRA).

Categories of information we collect

We collect identifiers (name, email, IP address), commercial information (subscription status), internet activity (usage data), and inferences drawn from that data to understand user preferences. See Section 3 for full details.

We do not sell your personal information

Savvy Dollar does not sell personal information to third parties. We do not share your data with advertisers or data brokers.

Your rights as a US user

• The right to know what personal information we collect, use, and disclose;
• The right to delete your personal information;
• The right to correct inaccurate personal information;
• The right to opt out of the sale of personal information (we do not sell data); and
• The right not to be discriminated against for exercising your privacy rights.

To exercise any of these rights, contact us at privacy@savvydollar.io. We will respond within 45 days and will not discriminate against you for making a request.

The Service is not directed at children under the age of 18. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us with personal information, please contact us at privacy@savvydollar.io and we will delete it promptly.

We may update this Privacy Policy from time to time. When we make material changes, we will notify you by email and/or by displaying a notice within the Service. The updated policy will show the revised effective date at the top of this page.

Your continued use of the Service after changes take effect constitutes your acceptance of the updated policy. If you do not agree, you should stop using the Service and close your account.

If you have any questions, concerns, or requests relating to this Privacy Policy or how we handle your personal information, please get in touch: