Privacy Policy

Our Privacy Commitment

Please be assured that Your Spending will never sell its collected data for the purposes of market research or data collection benefiting third parties.

Your Spending is committed to protecting your privacy. We adhere to a strict privacy policy to keep your personal information secure and confidential. We are bound by the Privacy Act 1988 and other legislation surrounding the collection of your information.

The Privacy Act 1988 sets out a number of Australia Privacy Principles (APPs). Our aim is to both support these principles and ensure that we comply with them. Further information on privacy in Australia may be obtained by visiting the website of the Office of the Australia Information Commissioner at

This privacy policy outlines the personal information we may collect from you, as well as why we collect it. It also shows how we keep this information secure and how we may use or disclose it. The privacy policy applies to all of your dealings and interactions with us.

References to ‘we’, ‘us’ or ‘Your Spending’ in this document refer to all functions and employees of Your Spending.

What kind of information we collect

We collect only relevant information about you that is needed to establish and maintain our 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 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 Your Spending. 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.

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 trade associations, membership status of a trade union, or details of health, disability, sexual orientation, or criminal record.

Please be advised that if in its dealings with you, Your Spending becomes aware that you are engaged in illegal activity, we will be obliged to report this to the relevant authorities.

Why we collect information and how it may be used

We need to collect some information from you so that we can provide you with an appropriate service. We also need to collect certain personal information so that we are sure we can identify you are appropriately and act within the requirements of the Privacy Act.

Certain laws, such as the Australian Anti-Money Laundering and Counter-Terrorism Financing Act 2006, may require us to collect personal information about you.

Much of your information would be provided for a specific purpose, and in that case it would be used primarily for that purpose. From time to time we may also use the information gathered from you to perform statistical and demographic analyses of our client base so that we can improve our services and match our business model to our clients’ needs.

Where appropriate, your information may be used to advise you of products or services we offer which we believe might suit your needs. This may include utilising your email address to send your emails to target online advertising. If at any stage you wish to stop receiving direct marketing material, you may contact us with this request. We maintain a register for those individuals who do not wish to receive marketing material.

Keeping your information up to date

Your Spending takes reasonable precautions to ensure that the personal information we collect, use and disclose is accurate, complete and up to date. To ensure that we are able to maintain this level of accuracy and completeness, we ask that you:

  • Inform us of any errors in your personal information as soon as possible; and
  • Update us with any changes to your personal information as soon as possible.

Keeping your private information secure

Your Spending is committed to keeping your personal information secure and confidential. We use a combination of technologies, systems and process to control and limit access to your information. We can refer to this information collectively as your ‘client file’. These files are accessible to authorised personnel only. They are stored on a secure computer database, and protected by security systems that monitor, control and protect access. All computer-based information is protected through the use of access passwords, and data is backed up regularly.

Accessing your information

You have the right to access your personal information, subject to certain exceptions allowed by law. We ask that you provide your request for access in writing (for security reasons), and we will endeavour to provide you with access to that personal information. Access to the requested personal information may include: providing you with copies, providing you with the opportunity for inspection, or providing you with a summary. If you believe that any of the personal information we hold is incorrect, you may request a correction.

We will never charge you for placing a request to access your personal information, and, in most circumstances, we will not charge you for providing such access. However, if you request information which is of a particularly large volume or is otherwise onerous, Your Spending reserves the right to charge a reasonable fee to compensate us for the time spent servicing your request.

It is a legislative requirement that we keep all personal information and records for a period of seven (7) years.

Should you cease to be a client of ours, we will maintain your personal information on or off site, in a secure manner, for seven (7) years. After this time, the information will be destroyed.

You are welcome to access your personal information at any stage within the seven (7) year period by making a request in the manner set out above.

Some exceptions exist where we will not provide you with access to your personal information. We will not provide you with a copy of your personal file if:

  • Providing access would pose a serious threat to the life of health of a person;
  • Providing access would have an unreasonable impact on the privacy of others;
  • The request for access is frivolous or vexatious;
  • The information is related to existing or anticipated legal proceedings between us and would not be discoverable in those proceedings;
  • Providing us with access would reveal our intentions in relation to negotiations with you in such a way as to prejudice those negotiations;
  • Providing access would be unlawful;
  • Denying access is required or authorised by or under law;
  • Providing access would be likely to prejudice certain operations by or on behalf of an enforcement body, or an enforcement body requests that access not be provided on the grounds of national security.

Should we refuse you access to your personal information, we will provide you with a written explanation for that refusal.

How we may disclose your information

We may disclose your personal information to organisations outside Your Spending. The organisations to which we disclose information may include:

  • To our related entities, as permitted by section 13B of the Privacy Act;
  • Our external service providers and other third parties that assist us to provide our services to you;
  • Government and regulatory authorities and other organisations, as required or authorised by law – for example, to government or regulatory bodies for purposes related to the prevention of money laundering, public health or safety, the prevention or detection of unlawful activities or to protect public revenue;
  • Product planning and development officers;
  • Research bodies for the purpose improving our current future services; and
  • Relevant authorities, if we have reason to believe you or another person is in danger.

In the event that we propose to sell part or all of our business, we may disclose your personal information to the potential purchaser for the purpose of them conducting due diligence investigations. Disclosure will be made in confidence and it will be a condition of that disclosure that no personal information will be used or disclosed by the outside of the due diligence process.

From time to time, Your Spending uses overseas third party service providers to assist with activities such as data collection, processing, analysis and storage, marketing optimisation, contract provision and sending surveys or emails to many clients at once. Please be advised that these companies may have different privacy policies to Your Spending. However, we will only use the third party providers which are trusted and are vigilant with your information.

Your Spending may disclose personal information to overseas recipients. Please note that if Your Spending discloses your personal information to an overseas recipient, that organisation may be subject to different privacy law, and may not be bound by the Australia Privacy Principles. You can contact these creditors directly to discuss their privacy policies. We will not pass your details to any overseas recipient unless:

  • We reasonably believe that the recipient of the information is subject to a law, or binding scheme, that has the effect of protecting the information in way that, overall, at least substantially similar to the way in which the Australia Privacy Principles protect the information, and there are mechanisms which you can access to take action to enforce that protection;
  • We have first taken such steps as are reasonable in the circumstances to ensure that the overseas recipient does not breach the Australian Privacy Principles in relation to your information;
  • You have consented to the disclosure; or
  • The disclosure is otherwise required, authorised or permissible by law.

Online security

We use multiple levels of security to protect the information you provide us online. The application information we accept online relies on industry standard “Secure Sockets Layer” (SSL) encrypting to secure your transaction information and communication. Third party vendors, including Google, show our ads on websites and may serve these ads based on a user’s prior visits to our website (for example, through remarketing to site visitors who have not made contact with us, limiting marketing which existing clients receive, or remarketing to a visitor who has made an enquiry). We may also use data from Google Analytics to optimise our ad campaigns based on your prior visits to our website. You may opt out of Google’s use of cookies by visiting the Google advertising opt out page.