Our Commitment to Your Privacy

At Cleverly Bond, we understand that managing your finances requires trust. This privacy policy explains how we collect, use, store, and protect your personal information when you use our goal budget planning services. We're committed to transparency about our data practices and ensuring your information remains secure.

This policy applies to all interactions with Cleverly Bond, including our website, mobile applications, and any services we provide. By using our services, you're agreeing to the practices described in this policy.

Information We Collect

We collect information that helps us provide personalized budget planning services and improve your financial planning experience. Here's what we gather:

We only collect information that's necessary for providing our services. You can choose not to provide certain information, but this might limit some features of our platform.

How We Use Your Information

Your information helps us create a personalized financial planning experience. We use your data responsibly and only for legitimate business purposes:

• Creating and managing your account with secure access controls
• Developing personalized budget plans based on your financial situation and goals
• Sending important updates about your account, budget progress, and service changes
• Providing customer support when you need assistance
• Improving our platform's features and user experience based on usage patterns
• Ensuring platform security and preventing fraudulent activities
• Complying with Australian financial services regulations and legal requirements

Information Sharing and Disclosure

We keep your information private and secure. However, there are limited circumstances where we may share certain data:

• With trusted service providers who help us operate our platform (cloud hosting, payment processing, customer support tools)
• When required by Australian law, court orders, or regulatory authorities such as ASIC
• To protect the rights, property, or safety of Cleverly Bond, our users, or the public
• In connection with a business transfer, merger, or acquisition (with your consent when required)
• With your explicit consent for specific purposes you've approved

All third-party service providers we work with are required to maintain the same level of data protection and can only use your information for the specific services they provide to us.

Your Privacy Rights

Under Australian Privacy Law, you have significant control over your personal information. Here are your rights and how to exercise them:

To exercise any of these rights, contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and may need to verify your identity for security purposes.

Data Security and Protection

Protecting your financial information is our top priority. We've implemented multiple layers of security to keep your data safe:

• End-to-end encryption for all data transmission and storage
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Secure data centers with 24/7 monitoring and access controls
• Employee background checks and data handling training
• Automatic session timeouts and suspicious activity detection
• Regular software updates and security patch management

While we use industry-standard security measures, no system is completely immune to threats. We continuously monitor for potential vulnerabilities and update our security practices accordingly. If you notice any unusual account activity, please contact us immediately.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and comply with legal requirements:

• Active account data is retained while your account remains open
• Financial planning records are kept for 7 years after account closure (Australian regulatory requirement)
• Communication records are retained for 3 years for customer service purposes
• Usage analytics are anonymized after 2 years and retained for service improvement
• Marketing consent records are kept until you withdraw permission
• Security logs are retained for 1 year for fraud prevention

When data reaches its retention limit, we securely delete it using industry-standard data destruction methods. Some information may be retained in anonymized form for statistical analysis and service improvement.

International Data Transfers

While Cleverly Bond operates primarily in Australia, some of our trusted service providers may process data in other countries. When this occurs, we ensure your information receives the same level of protection:

• All international transfers comply with Australian Privacy Principles
• Service providers must meet Australian data protection standards
• Contractual safeguards ensure equivalent privacy protections
• Regular audits verify compliance with our data protection requirements

We primarily use Australian-based services to minimize international transfers and keep your data within familiar legal frameworks.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These small files help us remember your preferences and improve site functionality:

• Essential cookies that keep you logged in and maintain security
• Preference cookies that remember your settings and customizations
• Analytics cookies that help us understand how you use our platform
• Security cookies that detect fraudulent activity and protect your account

You can control cookie settings through your browser, but disabling certain cookies may affect platform functionality. We don't use advertising cookies or share cookie data with advertising networks.

Changes to This Policy

We may update this privacy policy to reflect changes in our services, technology, or legal requirements. When we make significant changes:

• We'll email you about important updates at least 30 days before they take effect
• We'll post the updated policy on our website with a clear effective date
• We'll highlight key changes in our communication to you
• You'll have the opportunity to review changes before they apply to your account

Your continued use of our services after policy changes indicates your acceptance of the updated terms. If you don't agree with changes, you can close your account at any time.