Information We Collect

Running accurate working capital analysis means we need certain details about your business. Here's what we gather and why:

Business Financial Data

When you use our analysis tools, we collect your financial statements, cash flow records, accounts receivable and payable data, and inventory information. This data feeds directly into our analysis algorithms. Without it, we can't provide meaningful insights into your working capital position.

Account and Contact Information

We collect basic business contact details: your company name, ABN, business address, email, and phone number. This lets us manage your account, send analysis reports, and reach out if we spot concerning trends in your working capital that need attention.

Technical Usage Data

Our systems automatically log IP addresses, browser types, device information, and how you interact with our platform. This helps us improve the service and catch potential security issues before they become problems.

How We Use Your Information

Everything we collect has a specific purpose tied to delivering and improving our working capital analysis services.

Beyond the analysis itself, we use your information to communicate important findings, send scheduled reports, answer support questions, and notify you about service updates. If your working capital metrics show warning signs, we'll reach out directly.

Service Enhancement

Aggregated, anonymized data from our client base helps us refine our analysis models. We might notice that businesses in your industry typically see inventory turnover improve during certain months, or that specific collection strategies work better for companies of your size. This collective intelligence makes our analysis more accurate for everyone.

Legal and Security Purposes

Sometimes we're legally required to process or retain certain information. We also use data to prevent fraud, investigate suspicious activity, and enforce our terms of service. If someone tries to access your account from an unusual location, for instance, we'll flag it.

Data Sharing and Third Parties

We don't sell your financial information. Period. But we do work with certain third parties to deliver our services, and you should know who they are.

Service Providers

We use cloud hosting providers for data storage, payment processors for billing, and email services for communications. These companies sign strict confidentiality agreements and can only use your data for the specific services they provide to us. They can't use your financial information for their own purposes.

Professional Advisors

In some cases, with your explicit consent, we might share analysis results with your accountant, financial advisor, or business consultant. This only happens when you specifically authorize it, usually because you want them to have our working capital assessment as part of broader financial planning.

Legal Requirements

If we receive a valid subpoena, court order, or other legal demand for information, we may be required to disclose your data. We'll notify you unless legally prohibited from doing so. Similarly, if we believe disclosure is necessary to prevent serious harm or investigate suspected fraud, we may share relevant information with authorities.

Data Security Measures

Financial data requires serious protection. Here's what we do to keep your information secure:

Technical Safeguards

All data transmission uses TLS encryption. Your information is stored in encrypted databases with restricted access. We maintain regular security audits, use multi-factor authentication for our staff, and implement intrusion detection systems across our infrastructure.

Our servers are hosted in Australian data centers that meet ISO 27001 security standards. Access logs track every interaction with the system, and we review these regularly for suspicious activity.

Organizational Measures

Only employees who need access to perform their jobs can view client data. Our team receives regular security training, and we maintain strict policies around password management, device security, and remote work practices.

That said, no security system is perfect. While we take extensive precautions, we can't guarantee absolute security. If a breach occurs, we'll notify affected clients within the timeframes required by Australian law.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal and business information.

Access and Correction

You can request a copy of all personal information we hold about you. We'll provide this within 30 days, free of charge for the first request each year. If you find errors in your data, you can ask us to correct them, and we'll do so promptly.

Data Portability

You have the right to receive your financial data in a structured, commonly used format. If you want to export your information to another service provider, we'll facilitate that transfer.

Deletion Requests

You can ask us to delete your account and associated data. We'll honor these requests except where we're legally required to retain certain records. For example, Australian tax law requires us to keep financial records for seven years in some cases.

Data Retention

We don't keep your information longer than necessary, but "necessary" depends on the type of data and legal requirements.

Active Account Data

While your account is active, we retain all financial data you've uploaded and all analysis reports we've generated. This lets you review historical trends and compare current performance to past periods.

Post-Termination Retention

After you close your account, we keep your data for 90 days in case you change your mind. After that, we delete most information but retain certain records for seven years to comply with Australian business record-keeping requirements. These retained records include transaction histories, billing information, and basic account details.

Backup Systems

Deleted data may persist in our backup systems for up to 180 days before being permanently purged. This is standard practice for disaster recovery purposes.

Cookies and Tracking

Our website uses cookies and similar technologies. Most are essential for the service to function, but some are optional.

Essential Cookies

These cookies handle authentication, session management, and security features. You can't opt out of these while using the service—they're required for basic functionality.

Analytics Cookies

We use analytics tools to understand how clients interact with our platform. This helps us identify confusing interfaces or features that aren't working as intended. You can disable these in your account settings.

We don't use advertising cookies or tracking pixels. We don't participate in cross-site tracking or share your browsing data with ad networks.

International Data Transfers

Your data is stored on servers located in Australia. We don't routinely transfer information overseas. In rare cases where international transfer is necessary—such as technical support from our software vendors—we ensure appropriate safeguards are in place through standard contractual clauses or equivalent protections.

Children's Privacy

Our services are designed for businesses and aren't intended for individuals under 18. We don't knowingly collect information from minors. If we discover we've inadvertently collected such data, we'll delete it promptly.

Changes to This Policy

We update this policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify active clients via email at least 30 days before the new policy takes effect. Continued use of our services after changes become effective means you accept the updated terms.

Minor clarifications or corrections may be made without notification, though we'll always update the "Last Updated" date at the top of this page.

Complaints and Disputes

If you believe we've mishandled your personal information or violated your privacy rights, contact us first. We'll investigate and respond within 30 days. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner at www.oaic.gov.au.