Privacy Policy

1. Overview

We comply with the Privacy Act 1988 (Cth) and Australian Privacy Principles. By using our Service, you consent to this Privacy Policy.

You are responsible for account security and accept inherent internet security risks.

2. Information We Collect

We collect:

• Account: Name, email address
• Payment: Credit card details (via payment processor - we don't store full details)
• Usage: Subscription, credits used, file metadata
• Technical: IP address, browser type, device info
• Files: Bank statement content (transactions, account numbers)

Data is processed in Australia.

3. How We Use Information

To provide service, process payments, customer support, security, and legal compliance.

4. Data Storage & Security

Data is stored securely in Australia with encryption. You can delete files anytime.

IMPORTANT: No internet transmission is 100% secure. We cannot guarantee absolute security. You accept these risks by using the Service.

In case of data breach, we'll notify you per Australian law, but we're not liable except where required by Consumer Law.

5. Information Sharing

We don't sell your data. We share with:

• Cloud infrastructure providers
• Payment processors
• Authentication services
• Government authorities (if legally required)

Some providers may process data outside Australia with equivalent privacy protections.

6. Your Rights

You can:

• Access and correct your information
• Download your files
• Delete your account
• Opt-out of marketing emails
• Complain to us or OAIC (www.oaic.gov.au, 1300 363 992)

7. Cookies & Analytics

We use essential cookies for authentication and server-side analytics. No third-party tracking.

8. Limitation of Liability

We're not liable for unauthorized access despite reasonable security, third-party provider failures, or your failure to secure credentials. Liability limited to 12 months of payments except where Consumer Law applies.

9. Contact

Questions: info@bankstatementexcel.com.au
We respond within 30 days per Privacy Act.