MoneyBrilliant understands and appreciates that you are concerned about your privacy, including the confidentiality and security of the information we may gain about you online. MoneyBrilliant therefore takes pride in being proactive when it comes to safeguarding your privacy and any information you might provide in the course of your dealings with us.
MoneyBrilliant’s commitment to openness, transparency and your privacy has been unwavering since its inception and is wholly aligned with the Australian Privacy Principles. Beyond their legal obligations, MoneyBrilliant considers these principles to be good business practice.
Detailed information on the Australian Privacy Principles can be accessed through the Office of the Australian Information Commissioner website.
MoneyBrilliant believes you should have complete control over your money and your online identity. The information MoneyBrilliant collects from you or about your use of the MoneyBrilliant Service is dependent on how you access and use the features we offer.
Information from Visitors to MoneyBrilliant
If you are a visitor to MoneyBrilliant, we do not collect personal or sensitive information from or about you from the unsecure areas of the MoneyBrilliant website. If you are a visitor who does not log in to the MoneyBrilliant Service with a username and password, you therefore remain anonymous.
Information from Users of the MoneyBrilliant Service
In order to access the secure, password protected features of the MoneyBrilliant Service, such as functionality to optimise your banking structure and manage your spending more wisely, you will need to register an account with MoneyBrilliant, either through the MoneyBrilliant website or a MoneyBrilliant mobile application. When you do, you will be asked to provide:
To use the MoneyBrilliant service we always require an email address and basic personal information including your first name, last name, date of birth and gender. We use this information to identify your account and configure the MoneyBrilliant service for your use.
You can tell us as much or as little as you like about your situation and your account credentials. However, the more you tell us the more we can help you. If you choose not to provide some information you may be unable to use some of the features we offer.
Other personal information we collect from you will depend on what information you choose to disclose to us and how you use the MoneyBrilliant Services. Other personal information that we may collect from you includes, credit card details, (for payment purposes only) and mobile phone number.
You consent to our use of your Account Credentials, as your authorised agent for the purpose of accessing your Account Information from third party financial institutions (e.g., banks, mortgage brokers, and superannuation funds) in order to provide you with the services you access through MoneyBrilliant.
You acknowledge that when we use your Account Credentials we can access your Account Information with third party financial institutions on your behalf and in doing so you may not be in compliance with the terms and conditions of your financial institution.
Information from Financial Partners
A Financial Partner is a company or professional who subscribes to the MoneyBrilliant Financial Partner Services to access the financial data of their customers via their MoneyBrilliant accounts.
In order to access the secure, password protected features of the MoneyBrilliant Financial Partner Website, Financial Partners are asked to provide:
We collect this information for the purposes of validating that a Financial Partner is authorised to provide financial services to their customers.
It is necessary for MoneyBrilliant to collect the Internet Protocol (IP) address (i.e., the identifier for your computer when you are using the Internet) of Website users for their interaction with various parts of the MoneyBrilliant Service. In the case that MoneyBrilliant has recorded your IP address, such as when you log in, it is stored for security and audit purposes only. Your IP address will not be used by us or released to any third party except in relation to issues pertaining to security, inappropriate behaviour and/or fraud, which may include issues such as unauthorised access to your computer, our systems, or fraudulent transactions.
The MoneyBrilliant Website uses “cookies” in order to provide you with the best online experience possible, assist with managing your Account, and to identify you on return visits. These cookies are small data files sent and stored in your web browser on your computer’s hard drive. MoneyBrilliant may access these to understand more about your preferences in order to deliver a more relevant service. For instance, MoneyBrilliant may learn from these what kind of offers you like and be able to limit the amount of times you see offers not relevant to you. If you wish to know when or if you receive cookies from the MoneyBrilliant Website, you can manually set your browser to notify you of this or, in the case you do not wish to receive cookies, to reject cookies.
Although MoneyBrilliant’s systems do not collect any personal or sensitive information from or about Website visitors, they do collect metadata such as the date and time of each unique visit, any pages viewed, and any content downloaded. They also log the number of times Website visitors click on content featured on the Website. This information is collected only to further develop the MoneyBrilliant Service and improve the facilities and/or services we are able to offer.
We may use your data and any personal information which you have provided to us to enhance the service we are providing to you. MoneyBrilliant may use anonymous and aggregated data from our customers, and disclose this in a non-personally identifiable manner to third parties, including:
MoneyBrilliant takes all reasonable steps to allow you control over your data. You may cancel your Account at any time by accessing the delete account option available through the Website. Your Account will be disabled immediately and we will disconnect any connection with your Account Information we have established. MoneyBrilliant reserves the right to use any aggregated and anonymous data derived from your utilisation of the service up to this point.
We may disclose your Account Credentials to Yodlee Inc (“Yodlee”), our account aggregation service provider, headquartered in California, United Sates. Yodlee is a leading financial services and technology provider. Yodlee maintains offices in the United States, the United Kingdom and India. The disclosure of this information to Yodlee is strictly governed by our privacy and security obligations to you, and is necessary as Yodlee provides the means by which you can link your financial data to your MoneyBrilliant Account.
You consent to our disclosure of this information as your authorised agent for the purpose of allowing Yodlee to access your Account Information with third party financial institutions (e.g., banks, mortgage brokers, and superannuation funds) in order to allow us to provide you with the services you request. When Yodlee accesses your Account Information your identity is not directly ascertainable from the transaction data which is part of your Account information.
A Financial Partner may access a MoneyBrilliant user’s data if that user accepts a MoneyBrilliant Financial Partner Access Invitation sent by them. Access can be revoked at any time by either the user or Financial Partner. Where a user has accepted an invitation, the Financial Partner has full access to the user’s data and the features available through the users Account (excluding Account Settings). The Financial Planner is subject to Terms of Access that govern use of a user’s data and they agree to use the data in accordance with this Policy.
In most cases you can access, correct or edit the personal information you choose to share with MoneyBrilliant via your MoneyBrilliant Account. You may request access to any personal information we hold about you at any time by contacting us (see the details below). Where we hold information that you are entitled to access, we will try to provide you with suitable means of accessing it (for example, by mailing or emailing it to you). We may charge you a fee to cover our administrative and other reasonable costs in providing the information to you. We will not charge for simply making the request and will not charge for making any corrections to your personal information.
There may be instances where we cannot grant you access to the personal information we hold. For example, we may need to refuse access if granting access would interfere with the privacy of others or if it would result in a breach of confidentiality. If that happens, we will give you written reasons for any refusal.
If you believe that personal information we hold about you is incorrect, incomplete or inaccurate, then you may request us to amend it. We will consider if the information requires amendment. If we do not agree that there are grounds for amendment then we will add a note to the personal information stating that you disagree with it.
If you believe that your privacy has been breached, please contact us through our complaints process using the contact information below and provide details of your complaint. We will investigate your complaint and provide you with a written response (which could include email) as soon as we can and normally within 10 business days but no later than 45 days from the date you first contacted us.
You can submit a complaint by:
Phone: 02 8014 or 1300 41 40 84
You can also submit any written communications via the submit a request tool on the Help page of the MoneyBrilliant Website.
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