We collect only relevant information about you that is needed to establish and maintain your account and services, or as otherwise necessary to conduct our business, as the law allows and/or requires us to collect. We may collect personal and financial information about you that is “non-public”. The information we collect varies depending on the accounts and services you request and use.
We are likely to collect personal information, such as your contact details and other identifying information, necessary for our business dealings with you. This may include your name, email address, postal/residential address, telephone number, and how you heard about MyBudget. We may also collect further personal information, such as your current financial status, credit history, how many dependants you have, your employment status and other such information. We will also collect your financial information, including details about your income, expenditures, bank accounts and payment details. In some circumstances, we will be required to collect government identifiers, such as your tax file number, Medicare number and/ or pension card number.
Without your consent, we will not collect information about you that reveals your racial or ethnic origin, political opinions, religious or philosophical beliefs or affiliations, membership status of professional or trade associations, membership status of a trade union, or details of health, disability, sexual orientation, or criminal record. This is subject to some exceptions, including where the collection is required or allowed by law, and when the information is necessary for the establishment, exercise or defence of a legal claim. We understand that this information is sensitive, and our staff are trained to treat any sensitive information we have collected as highly confidential.
Anonymous analytical information such as gender and age brackets may be collected when you browse our website. This is managed through Google Analytics. No information collected in this way will be identifiable as relating to a particular individual. If you wish to opt out, please see the section below titled ‘Our website security’.
As mentioned above, we may also receive information from your creditors. This information may be used to assist with negotiations or ongoing budgeting for the particular payments in question. You can speak to your creditors about their privacy policies, including which information they can and cannot provide to MyBudget.
Please be advised that if you provide inaccurate or incomplete information, we may not be able to provide you with the products or services you are seeking. Further to this, if in its dealings with you, MyBudget becomes aware that you are engaged in illegal activity, we will be obliged to report this to the relevant authorities.