Privacy Policy

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 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.

Our Privacy Policy is designed to help you understand how we collect and use information you provide to us through our Website including Personal Information. By using or accessing our Website you are accepting the practices described in this Privacy Policy.


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.

We may use Personal Information collected on our websites to communicate with you about your registration and customisation preferences; our Terms of Service and privacy policy; services and products we offer and other topby lawics we think you might find of interest.

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.

We respect your privacy and other than the uses specified in this Privacy Policy, we will not share your Personal Information without your consent unless required by law to do so. For example, we may disclose your Personal Information in response to a court order, other times when we believe we are reasonably required to do so by law, in connection with the collection of amounts you may owe to us, and/or to law enforcement authorities whenever we deem it appropriate or necessary. Please note we may not provide you with notice prior to disclosure in such cases.

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.


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.


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.


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.

While on our Website, our advertisers, promotional partners or other third parties may use cookies or other technology to attempt to identify some of your preferences or retrieve information about you. For example, some of our advertising is served by third parties and may include cookies that enable the advertiser to determine whether you have seen a particular advertisement before. Other features available on our Website may offer services operated by third parties and may use cookies or other technology to gather information. We do not control the use of this technology by third parties or the resulting information, and we are not responsible for any actions or policies of such third parties.

You should also be aware that if you voluntarily disclose Personal Information on message boards or in chat areas, that information may be viewed publicly and may be collected and used by third parties without our knowledge and may result in unsolicited messages from other individuals or third parties. Such activities are beyond our control and this Privacy Policy.


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.


We are bound by the terms of the Privacy Act 1988 (Cth) and this Privacy Policy is based on the National Privacy Principles.

If a dispute arises under this Privacy Policy you agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Adelaide, South Australia.

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.

This Privacy Policy is not intended to and does not create any contractual or other legal rights in or on behalf of any party.


Address: Money Management Group Pty Ltd, Level 5, 144 North Terrace, Adelaide, South Australia 5006 Australia



We reserve the right to change this Privacy Policy at any time. Please check the link to this Privacy Policy on our Website periodically for any changes. Your continued use of our Website following the posting of any changes to this Privacy Policy will mean you accept those changes. Personal information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected.