Last Updated: 7th August 2020
Money Management Group Pty Ltd ABN 56 008 131 137 operating as Cashflow Manager (“we”, “our” or “us”) provide services and products in the information technology and accounting industries. Part of our services and products are provided through our website located at www.cashflowmanager.com and its directly associated domains (collectively “Website“).
We may require and collect information from users of our Website (“you” or “your”) including personal information and personal financial information (collectively “Personal Information”) in order for you to effectively use our services and products.Furthermore, we strive to offer the many advantages of internet technology to provide you with an interactive and personalised experience through the use of our services and products.
HOW WE GATHER AND USE INFORMATION PROVIDED BY YOU
How we collect and store information depends on the Webpage you are visiting, the activities in which you elect to participate and the services provided. For example, you may be asked to provide Personal Information when you register for access to certain portions of our Website or request certain features, such as newsletters or when you make a purchase. You may also provide Personal Information when you participate in contests, message boards and chat rooms, and other interactive areas of our Website. Like most other commercial websites, we may also collect information automatically and through the use of electronic tools that may be transparent to you. For example, we may log the name of your internet service provider or use cookie technology to recognise you and hold information from your visit. Among other things, the cookie may store your user name and password, sparing you from having to re-enter that information each time you visit, or may control the number of times you encounter a particular advertisement while visiting our Website. Where you subscribe to our services, you may from time to time be offered the opportunity to back up your data (which may include Personal Information) to our cloud based server. As we adopt additional technology, we may also gather information through other means. In certain cases, you can choose not to provide us with information, for example by setting your browser to refuse to accept cookies, but if you do you may be unable to access certain portions of the Website or may be asked to re-enter your user name and password, and we may not be able to customise the Website’s features according to your preferences.
Personal Information entered into our online accounting products (including data backed up on our cloud based server) will not be used by us or disclosed with anyone except as authorised by you and to provide aggregated information that does not personally identify you (“Non-personal Information”). Only you and your nominated representatives (including our authorised support technicians to whom you give authority) have access to your financial database under normal operational circumstances.
We do not store credit card details or internet banking credentials, nor do we share customer details with any third parties, except:
- where and to the extent you elect to back up your data on our cloud based server;
- where you elect to subscribe for a service provided by a third party (for example, our bank feed service provided through Yodlee, Inc), which necessitates the storage or sharing of that information.
Where you subscribe for a service that requires you to provide, or grant access to, your internet banking credentials, bank account details and transaction information or similar information to us or a third party provider, you consent to us and that third party:
- collecting, using, storing and disclosing that information to the extent necessary to provide those services and otherwise in accordance with our respective privacy policies and such terms and conditions as are notified to you from time to time; and
- collecting, using, storing and disclosing de-identified versions of or incorporating that information, to the extent permitted by law.
We will take reasonable action to ensure or procure the security of all such information, and to prevent unauthorised access to it.
Like other many other web publishers, we collect Personal Information to enhance your visit to our Website and deliver more individualised content and advertising.
Personal Information collected by us may also be used for other purposes, including but not limited to site administration, troubleshooting, processing of e-commerce transactions, administration of contests, and other communications with you. Certain third parties who provide technical support for the operation of our Website (our Web hosting service for example) or provision of our services such as our technical support team, may access such Personal Information. We will use your Personal Information only as permitted by law.
In addition, from time to time as we continue to develop our business, we may sell, buy, merge or partner with other companies or businesses. In such transactions, Personal Information may be among the transferred assets.
Non-personal Information may be used in many ways. For example, we may combine information about your usage patterns with similar information obtained from other users to help enhance our site and services (e.g., to learn which pages are visited most or what features are most attractive). Non-personal Information may occasionally be shared with our advertisers and business partners. Again, this information does not include any Personal Information about you or allow anyone to identify you individually.
We use Compliance Intelligence by Revenera within our application to trace anonymous customer behaviour data to improve customer experience. This data is stored in a cloud server.
SECURITY OF YOUR PERSONAL INFORMATION
We will take reasonable steps to ensure that your Personal Information is protected from misuse, loss, unauthorised access, modification or disclosure including use of Secure Socket Layer (SSL) connection encryption and regular backups of our information database. The security of this information is also dependent on your own measures to protect your login information including User IDs, Member IDs and passwords from disclosure and unauthorised use.
ACCESS TO YOUR PERSONAL INFORMATION
We will provide you with access to your Personal Information on request except to the extent limited by law.
If your Personal Information in our databases is incorrect, incomplete or requires updating, you may notify us of that relevant Personal Information and we will take reasonable steps to correct that Personal Information so that it is accurate, complete and up-to-date.
AFFILIATED SITES, LINKED SITES AND ADVERTISEMENTS
We expect our partners, advertisers and affiliates to respect your privacy. You should be aware, however, that third parties, including our partners, advertisers, affiliates and other content providers accessible through our Website, may have their own privacy and data collection policies and practices. For example, during your visit to our Website you may link to, or view as part of a frame on our Website, certain content that is actually created or hosted by a third party. Also, through our Website you may be introduced to, or be able to access, information, websites, features, contests or sweepstakes offered by other third parties. We are not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of those third parties when providing Personal Information on a feature or page operated by a third party.
We do not knowingly collect or solicit Personal Information from or about children under 16 except as permitted by law. If we discover we have received any Personal Information from a child under 16 in violation of this policy, we will delete that Personal Information immediately. If you believe we have any Personal Information from or about anyone under 16, please contact us at the address listed below.
If it proves impossible to arrive at a mutually satisfactory solution through mediation, you agree to submit the dispute to binding arbitration at the following location: Adelaide, South Australia.
Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.
Address: Money Management Group Pty Ltd, Level 5, 144 North Terrace, Adelaide, South Australia 5006 Australia
CHANGES TO THIS POLICY