Money Shape Up (the “Site” and “we”, “us”, “our”) is committed to protecting your privacy. This Privacy Policy explains how Money Shape Up manages your Personal Information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

A copy of the APPs is available from the Office of the Australian Information Commissioner (OAIC): https://www.oaic.gov.au/

Who we are

Money Shape Up provides educational content, tools and resources related to personal finance and home-loan management through moneyshapeup.com (and any related Money Shape Up pages or subdomains).

What is Personal Information?

“Personal Information” means information or an opinion about an identified individual or an individual who is reasonably identifiable. Examples include your name, email address, postal address, phone number and any other information you choose to provide to Money Shape Up.

“Sensitive Information” has the meaning in the Privacy Act (e.g., health, ethnicity, political opinions). Money Shape Up does not intentionally collect Sensitive Information, and will only do so with your consent or where required or authorised by law.

How Money Shape Up collects Personal Information

Money Shape Up may collect Personal Information when you:

• submit a form, sign up to the Money Shape Up mailing list or download a resource;
• correspond with Money Shape Up by email, phone, video call or in person;
• interact with the Money Shape Up website (including contact forms and surveys);
• engage with Money Shape Up social media pages or ads; and
• use the Site, where certain technical data (e.g., IP address, device/browser info, cookie identifiers) may be collected automatically.

Where reasonable and practicable, Money Shape Up collects Personal Information directly from you. In some cases we may receive information from third parties (for example, analytics or email service providers). If we receive information about you from a third party, Money Shape Up will take reasonable steps to ensure you are aware of this.

Why Money Shape Up collects and uses Personal Information

Money Shape Up collects and uses Personal Information for the following purposes:

• to operate, maintain and improve the Money Shape Up website, tools and services;
• to respond to enquiries sent to Money Shape Up;
• to send newsletters and updates you have opted into from Money Shape Up (you can unsubscribe at any time via the link in our emails);
• to provide and promote Money Shape Up content and resources;
• for administration, analytics, quality assurance and compliance with legal obligations.
• Direct marketing: Money Shape Up may send you information we believe is relevant to you. You can opt out at any time using the unsubscribe link or by contacting Money Shape Up.
• Website-specific details (Money Shape Up)
• Comments (if enabled): If you leave a comment on the Money Shape Up site, we collect the data shown in the comment form, your IP address and browser user-agent to help spam detection. An anonymised string (hash) of your email address may be sent to Gravatar to check if you use it (see Gravatar’s privacy policy).
• Media uploads (if enabled): If you upload images to Money Shape Up, avoid uploading images with embedded location (EXIF GPS) data. Visitors to Money Shape Up may download and extract location data from images on the site.

Cookies:

Embedded content: Pages on Money Shape Up may include embedded content (e.g., YouTube videos). Embedded content behaves as if you visited the third-party site, which may collect data about you, use cookies and track your interaction. Money Shape Up does not control third-party practices.

Disclosure of Personal Information

Money Shape Up may disclose Personal Information:

• to service providers who assist Money Shape Up in operating the website and delivering newsletters/analytics (e.g., web hosting, email services, analytics platforms);
• where you consent; or
• where required or authorised by law.

Cross-border disclosures: Some Money Shape Up service providers may store or process information outside Australia (e.g., the United States or the EU). Money Shape Up takes reasonable steps to ensure any overseas recipients handle Personal Information in a manner consistent with the APPs.

Security

Money Shape Up takes reasonable steps to protect Personal Information from misuse, interference and loss, and from unauthorised access, modification or disclosure. No method of transmission or storage is completely secure, and Money Shape Up cannot guarantee absolute security.

Access and correction

You may request access to, or correction of, the Personal Information Money Shape Up holds about you. Money Shape Up will respond within a reasonable timeframe. To protect your information, Money Shape Up may ask you to verify your identity before actioning a request.

Anonymity and pseudonymity

Where lawful and practicable, you may interact with Money Shape Up anonymously or using a pseudonym (for example, browsing the Money Shape Up website without logging in).

Retention

Money Shape Up retains Personal Information only for as long as necessary for the purposes described in this policy or as required by law. Certain business records may be retained for up to seven years to meet legal or tax obligations. When no longer required, Money Shape Up will take reasonable steps to destroy or de-identify Personal Information.

Children

Money Shape Up is intended for adults. If Money Shape Up becomes aware that we have collected Personal Information from a child without appropriate consent, we will delete it.

Complaints

If you have a concern about how Money Shape Up has handled your Personal Information, please contact us using the details below and provide as much detail as you can. Money Shape Up will investigate and respond within a reasonable time. If you are not satisfied with our response, you may contact the OAIC: https://www.oaic.gov.au/privacy/privacy-complaints

Changes to this policy

Money Shape Up may update this policy from time to time. The latest version will always be available on the Money Shape Up website.

Contact Money Shape Up

Money Shape Up

• Email: admin@moneyshapeup.com
• Website: https://moneyshapeup.com