Privacy Policy
Last updated: October 2026
This Privacy Policy explains how MyFinancialFuture (“we”, “us”, “our”) handles personal information. We are committed to compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
The short version
- You can use every part of the planner without an account. We never ask for your name, email, phone number or address to do so.
- Without an account, your plan is saved only in your browser on your device. It is not sent to or stored on our servers.
- We ask for month and year of birth, never a full date of birth, and that stays with your plan.
- AI features send only the figures they need, with nothing that identifies you, when you press the button. We do not store them.
- We count anonymous page visits and feature use to improve the site. These never include your plan's figures.
- Pages show Google ads. They are non-personalised, so Google does not use them to build an advertising profile of you, but Google may still set cookies to limit how often an ad shows and to detect fraud.
- An account is optional. If you create one, we hold your email address to sign you in and your plan so it syncs across devices. You can delete both at any time.
1. What information we collect and why
Email address
Collected at sign-up and used to send you a secure sign-in link (magic link via Resend). Your email is not used for marketing and is not shared with third parties for marketing purposes.
Plan inputs
Income amounts, expense budgets, rates, dates, and add-on configurations you enter in the Plan page, including month and year of birth (never a full date of birth). We do not require your real name, email, address, Tax File Number, or bank account details. Without an account, plan data is saved only in your browser on your device. If you create an account, your plan is also stored in our Neon (PostgreSQL) database, encrypted at rest, so it syncs across devices. While you are signed in, your plan is kept in your account and not stored in your browser. If you sign in on a device that holds a different plan from the one in your account, we ask which to keep before anything is replaced. The other copy is kept only in your browser on that device, shown only to your account, so you can switch back. It is deleted when you sign out, or the first time the site is opened on that browser after 30 days.
If you switch on optional add-ons in MyExtras, the goals you set and any balances you type in for monthly check-ins are saved with your plan. Without an account they stay in your browser. With an account they are stored in our database with your plan and deleted with it. Add-ons never connect to your bank.
Demographic information (optional, with explicit consent)
If you choose to complete your Profile, we collect age bracket, gender, and relationship status. This information is entirely optional and is collected under a separate consent that you control. The purpose is to produce de-identified aggregate statistics — for example, the distribution of financial strategies used by different age groups. We may share such de-identified aggregate reports with third-party organisations (e.g. research institutions, industry bodies) under data-sharing arrangements.
Your demographic data is never shared in a form that identifies you. You may withdraw consent or delete your demographic data at any time from your Profile settings.
Usage events
Anonymised page views and feature events (e.g. plan_created, export_completed) via PostHog. These events never include plan field values, financial amounts, or personal details.
Error reports
Stack traces and request context sent to Sentry for debugging. Plan content is scrubbed before submission.
2. Passwordless authentication
We use magic-link sign-in (email → secure time-limited link). We do not store passwords. We never store passwords. You are not the product.
3. AI explanations
When an AI explanation is written (the summary on MyFinancialOpportunities, or when you press Explain with AI), only the figures needed for it leave your device. For an opportunity that is its title, description, estimated benefit and the figures behind it. For a scenario it is the projected totals, the assumptions and a generic description of the investments. For the AI monthly budget it is your take-home pay, the net cost of the property, loans and investments in your plan, your spending in each category and the goal you chose. No names, labels you typed, contact details or your full plan are sent. These figures go to Groq (USA) to write the explanation. Groq does not use them to train its models, and Groq's privacy policy applies to the data they process. We do not store the explanations.
4. Partner enquiries
We do not currently pass your details to any partner or other business, and the site has no way to send them. If we introduce optional partner enquiries in future, we will update this policy before they start, and nothing will be shared unless you choose to and tick a separate consent box.
5. Data retention and deletion
Accounts inactive for 30 days are automatically deleted, along with all associated plan data. You can also delete all local data at any time from Profile → Privacy → “Wipe all local data”.
To request manual deletion of your account and all server-stored data before the 30-day automatic deletion, email hello@myfinancialfuture.com.au.
6. Overseas disclosure
We use third-party services that process data outside Australia (primarily in the USA). By using MyFinancialFuture, you consent to this transfer. These services are:
- Neon — database hosting, USA, SOC 2 Type II
- Netlify — web hosting, USA
- Groq — AI inference (anonymised plan only), USA
- Resend — email delivery (sign-in links and enquiries you choose to send), USA
- Sentry — error reporting (plan content scrubbed), USA
- PostHog — usage analytics (no financial data), USA/EU
- Google AdSense — non-personalised display ads on site pages, USA
Advertising
The site is free because it shows Google AdSense ads. We request non-personalised ads only, so ads are chosen from the page you are on and your general location, not from a profile of you. Google may set cookies to limit how often an ad shows, detect fraud and measure ads. Google's ad script runs on the page, as it does on any site with ads, and Google's privacy policy applies to it. We never send your plan to Google, and we do not choose or endorse the ads shown.
7. Your rights
Under the Privacy Act 1988 you have the right to access, correct, or request deletion of personal information we hold about you. To exercise these rights, contact us at hello@myfinancialfuture.com.au. We will respond within 30 days.
8. Complaints
If you believe we have breached the Australian Privacy Principles, you may lodge a complaint with us first at the address above. If you are unsatisfied with our response you may complain to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.
9. Changes to this policy
We may update this policy from time to time. The “Last updated” date at the top of this page shows when it was last revised. Continued use of the service constitutes acceptance of the updated policy.