Privacy Policy

Our commitment

KBudget is committed to providing quality services and managing personal information responsibly. We follow the Australian Privacy Principles contained in the Privacy Act 1988 (Cth).

You can learn more about the Australian Privacy Principles from the Office of the Australian Information Commissioner.

What we collect and why

Personal information is information or an opinion that identifies an individual. Information we may collect includes your name, email address, account details you provide, and information needed to operate and support the KBudget service.

When you use KBudget, you may also upload financial transaction data. We use this data to provide features such as transaction organisation, allocations, merchant rules, reports and other money insights.

Information may be collected through the KBudget website and app, correspondence, email, support requests, cookies where applicable, publicly available sources, or authorised third parties. Where appropriate, we will explain why information is being collected and how it will be used.

Sensitive information

Sensitive information has the meaning given in the Privacy Act and may include information about health, beliefs, memberships, ethnicity or criminal records. If we receive sensitive information, we will use it only:

• for the primary purpose for which it was provided;
• for a directly related secondary purpose;
• with your consent; or
• where required or authorised by law.

Third parties

Where reasonable and practicable, we collect personal information directly from you. If information is provided by a third party, we will take reasonable steps to make you aware of the information and the circumstances of its collection.

Links to third-party websites and services are governed by their own privacy policies.

Disclosure

We may disclose personal information to third parties where you have consented to the disclosure, where it is needed to provide the service, or where disclosure is required or authorised by law.

Security and retention

We take reasonable steps to protect personal information from misuse, loss, unauthorised access, modification and disclosure. When information is no longer required, we will take reasonable steps to delete or permanently de-identify it, subject to any legal or operational retention requirements.

KBudget provides controls for deleting transactions, accounts and app data. Some records may need to be retained where required by law.

Access and correction

You may request access to personal information we hold about you, or ask us to correct information that is inaccurate, incomplete or out of date. We may ask you to verify your identity before releasing information.

We do not charge for making an access request, although an administrative fee may apply if providing copies creates a material cost. We will explain any fee before proceeding.

Policy updates

We may update this policy as KBudget changes or when legal requirements change. The current version will remain available on this page, together with its latest revision date.

Questions or complaints