Privacy Policy

1. What we collect

We collect the information needed to provide the service, including account details (such as your account identifier and email address), profile preferences, a mobile phone number if you choose to verify one, imported bank transaction and cash flow data, asset and net worth data you add for your net worth tracker, receipt photos and the merchant, amount, and date details we extract from them, category/rule settings, verification status, subscription and purchase status, support messages, affiliate/referral information where relevant, usage and analytics data (such as the pages you visit and how you reached the site, when you have accepted analytics cookies), your IP address and approximate location (country), and diagnostic information when errors occur. If you use accountant sharing, we also collect the name and email address of the accountant or bookkeeper you invite, and the sharing permissions you set for them.

2. How we use information

We use your information to operate the app, keep your account secure, show cash flow, wealth, and category reports, make receipts searchable and match them to the transactions they belong to, process subscriptions, share data with an accountant you invite according to the permissions you set, provide support, prevent abuse, and improve reliability.

3. Transaction and receipt data

Transaction files and receipt photos are used to build your personal finance views, including automatic matching of receipts to the transactions they belong to. We do not sell your transaction, receipt, or net worth data. You should only upload files and receipts you are authorised to use.

4. AI processing

Some features use AI. These include reading receipt images, working out unfamiliar bank file formats, and suggesting category rules. For those tasks we only send the data required, not your whole history.

We use specialised AI models that do not store the prompts or files we send, and do not use your data to train or improve their models. Your data is not used to teach AI systems, and we do not share it with consumer AI products or other model providers for their own use.

5. Third-party services

We use service providers for hosting, authentication, email, SMS delivery, payment processing, bot protection, approximate location lookup, and the AI processing described above. If you subscribe through the iOS app, your subscription purchase is processed by Apple. These providers process information only as needed to deliver those services.

If you accept analytics cookies, we use Google Analytics 4 (Google Ireland Limited / Google LLC) to measure website usage. GA4 is loaded with Google Consent Mode; analytics storage remains denied until you consent. We configure GA4 for site measurement only — not for advertising or ad personalisation. Google may process online identifiers, device/browser information, and page interaction data according to Google's Privacy Policy. We also use first-party page-view analytics (stored and processed in our own regional infrastructure) when you accept analytics cookies.

We do not sell personal information and do not use third-party advertising networks on the marketing site.

6. Your choices

You can update your profile and contact details from User Preferences. You can change analytics cookie preferences at any time via the cookie banner or Cookie settings link in the site footer. You can also ask us to delete your account and the personal data associated with it. For privacy or account questions, contact support@wheredoesmymoneygo.com.au.

On our UK site and for visitors in the UK and European Economic Area, we rely on your consent for optional analytics cookies. On other regional sites you may still accept or reject analytics cookies using the same controls.

7. Data storage, location, and retention

We operate separate regional services for Australia, the United Kingdom, and the United States. Your account and financial data are stored in the region associated with the site you signed up on, and we do not sync your financial data between regions. We keep your information for as long as your account is active. When you delete your account, we delete your account data and cancel any active subscription; some limited records or backups may persist for a period where required for legal, security, or accounting purposes.

8. Related policies

Please also read our Terms of Service and Cookie Policy.