Privacy policy.

Last Updated: 11 July 2026 

1. Introduction 

Jane Wealth Pty Ltd ABN 83 687 169 848 (“Money by Jane”, “Jane”, “we”, “our” or “us”) respects your privacy and is committed to protecting your personal information. 

This Privacy Policy applies to all products, services, websites, web applications, mobile applications and digital platforms operated by Money by Jane, including moneybyjane.com.au, app.moneybyjane.com.au, and any future domains, applications or services we operate (together, our “Services”). 

This Privacy Policy explains how we collect, hold, use and disclose your personal information, how you may access and correct that information, and how you can make a complaint if you believe we have failed to comply with our privacy obligations. 

This Privacy Policy has been prepared in accordance with the Privacy Act 1988 (Cth) (Privacy Act) and the Australian Privacy Principles (APPs). 

By using our Services, you consent to the collection, use, disclosure and handling of your information as described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our Services. 

2. About Our Service 

Money by Jane currently provides educational content, budgeting and money-management tools, and general financial information through our website and app. Money by Jane does not currently hold an Australian Financial Services Licence (AFSL) and is not currently authorised to provide financial advice (general or personal) or any other financial service regulated under the Corporations Act 2001 (Cth). 

All content, tools, calculators and AI-generated insights available through our Services are provided for general educational and informational purposes only. They do not constitute financial advice, and do not take into account your individual objectives, financial situation or needs. You should consider seeking advice from an appropriately licensed financial adviser before making any financial decision. 

This Privacy Policy applies to this current, education-and-tools version of our Services. Should Money by Jane become authorised to provide financial services in the future (for example, as a Corporate Authorised Representative of an AFSL holder), we will update this Privacy Policy accordingly and notify you of any material changes. 

3. Information We Collect 

The information we collect depends on the Services you use and the extent to which you interact with us. 

3.1 Identity Information 

  • Full name 

  • Preferred name 

  • Date of birth 

  • Residential address 

  • Postal address 

  • Email address 

  • Mobile number 

  • Profile photograph (if supplied) 

We use this information to create your account, identify you, communicate with you, provide customer support, and comply with our legal and regulatory obligations. 

3.2 Account Information 

  • Username 

  • Password (stored securely in encrypted / hashed form) 

  • Authentication information 

  • Multi-factor authentication settings 

  • Account preferences 

3.3 Financial Information 

Depending on the Services you use, we may collect: 

  • Employment details 

  • Income 

  • Expenses 

  • Assets 

  • Liabilities 

  • Superannuation 

  • Investments 

  • Financial goals 

  • Savings objectives 

  • Budget information 

  • Risk profile 

  • Financial preferences 

This information allows us to personalise your experience and provide our educational content, budgeting tools and Services. This information is used for educational and tool functionality purposes only — we do not provide financial advice of any kind. 

3.4 Identity Verification (KYC) 

Where identity verification is required for account security, fraud prevention or other legitimate business purposes, we may collect: 

  • Driver licence 

  • Passport 

  • Other government-issued identification 

  • Proof of address 

  • Selfie or liveness verification 

  • Identity verification results 

Identity verification is generally performed by accredited third-party providers. Money by Jane may not retain copies of identity documents where they are securely processed and held by those providers on our behalf. 

3.5 Payment Information 

If you purchase subscriptions or paid services, payments are processed by accredited third-party payment providers. Money by Jane does not store your complete payment card details. 

3.6 Device Information 

  • IP address 

  • Device identifiers 

  • Browser type 

  • Operating system 

  • Device model 

  • Application version 

  • Screen resolution 

  • Session identifiers 

  • Network information 

3.7 Usage Information 

  • Pages visited 

  • Features used 

  • Navigation paths 

  • Buttons clicked 

  • Session duration 

  • Login history 

  • Search activity 

  • Errors encountered 

  • Performance information 

  • Device activity 

  • AI feature interactions 

3.8 Website Information 

  • Cookies 

  • Analytics information 

  • Referring websites 

  • Approximate location based on IP address 

  • Contact form submissions 

  • Newsletter subscriptions 

3.9 Sensitive Information 

We do not intend to collect “sensitive information” (as defined in the Privacy Act — for example, health information, racial or ethnic origin, or religious beliefs) other than where you voluntarily provide it (for example, in a support enquiry) or where required by law. We will only collect sensitive information with your consent, unless an exception under the Privacy Act applies. 

4. Information We Collect From Third Parties 

We may receive information about you from trusted third parties, including: 

  • Identity verification providers 

  • Payment providers 

  • Banking and financial data providers (where authorised by you, including via open banking / Consumer Data Right arrangements) 

  • Authentication providers 

  • Referral partners 

  • Publicly available sources, where permitted by law 

Where we collect personal information about you from a third party, we will take reasonable steps to notify you of the matters set out in APP 5 (or ensure you have already been made aware of them by that third party). 

5. How We Use Your Information 

We collect, hold and use personal information to: 

  • Create and manage your account 

  • Verify your identity 

  • Provide our educational content, tools and Services 

  • Process payments 

  • Provide customer support 

  • Personalise your experience 

  • Improve our products 

  • Generate educational financial insights and tools 

  • Communicate service updates 

  • Prevent fraud 

  • Maintain platform security 

  • Comply with our legal and regulatory obligations, including under the Privacy Act 1988 (Cth) 

  • Protect our users and business 

We will only use or disclose personal information for the purpose for which it was collected, a related secondary purpose you would reasonably expect, or another purpose permitted by law or to which you have consented. 

6. Artificial Intelligence Features 

Some Money by Jane features use artificial intelligence to generate personalised educational insights, summaries or suggestions. Information you provide, including financial information, may be processed by AI systems (which may include third-party AI service providers) to generate these responses. 

AI-generated responses are provided for general educational and informational purposes only. They are not financial advice, do not constitute a recommendation to buy, hold or sell any financial product, and do not take into account your individual objectives, financial situation or needs. You should consider obtaining advice from an appropriately licensed financial adviser before making any financial decision. 

We take reasonable steps to ensure information provided to AI systems is handled securely and, where third-party AI providers are used, that appropriate contractual privacy and security protections are in place. 

7. Cookies and Similar Technologies 

We use cookies, local storage, authentication tokens and similar technologies to: 

  • Keep you logged in 

  • Remember your preferences 

  • Improve security 

  • Analyse usage 

  • Improve performance 

  • Enhance your experience 

Most browsers allow you to control cookies through their settings. Disabling cookies may affect the functionality of our website and app. 

8. How We Disclose Your Information 

We may disclose personal information, where reasonably necessary, to: 

  • Identity verification providers 

  • Payment providers 

  • Cloud hosting providers 

  • Analytics providers 

  • Authentication providers 

  • Customer support providers 

  • Professional advisers (including our lawyers and accountants) 

  • Regulators, where required or authorised by law 

  • Law enforcement agencies, courts and tribunals, where required or authorised by law 

  • A purchaser or prospective purchaser in connection with a sale, merger or restructure of our business (subject to appropriate confidentiality protections) 

We do not sell your personal information to third parties. 

9. Overseas Disclosure 

Some of our service providers (for example, cloud hosting, analytics or AI infrastructure providers) may store or process personal information outside Australia. Where this occurs, we take reasonable steps to ensure those overseas recipients handle your information consistently with the APPs, including by using providers with appropriate security and privacy safeguards and, where required, contractual protections. 

[Insert, once known: list of likely overseas jurisdictions in which your service providers store or process data, e.g. United States, Singapore, as required by APP 8.1.] By using our Services, you acknowledge that your information may be disclosed to recipients located outside Australia, and that APP 8.1 may not apply to a disclosure if an exception under the Privacy Act applies. 

10. Data Security 

We take the security of your personal information seriously. Our security measures may include: 

  • Encryption in transit 

  • Encryption at rest 

  • Secure cloud infrastructure 

  • Role-based access controls 

  • Multi-factor authentication 

  • Audit logging 

  • Monitoring and alerting 

  • Regular security reviews 

While we take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification or disclosure, no system can be guaranteed to be completely secure. 

11. Notifiable Data Breaches 

We have processes in place to identify, assess and respond to data breaches in accordance with the Notifiable Data Breaches (NDB) scheme under the Privacy Act. If we reasonably believe an “eligible data breach” has occurred, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) as required by law. 

12. Data Retention 

We retain personal information only for as long as reasonably necessary to: 

  • Provide our Services 

  • Comply with our legal and regulatory obligations 

  • Resolve disputes 

  • Enforce agreements 

  • Meet regulatory requirements 

Information is securely deleted or de-identified when it is no longer required for these purposes. 

13. Your Privacy Rights 

Subject to applicable exceptions under Australian law, you may: 

  • Request access to the personal information we hold about you 

  • Request correction of information that is inaccurate, out of date, incomplete, irrelevant or misleading 

  • Request deletion of your information, where permitted 

  • Withdraw your consent to marketing communications at any time 

  • Deal with us anonymously or under a pseudonym where it is lawful and practicable to do so 

  • Lodge a privacy complaint (see Section 15) 

To exercise any of these rights, contact us using the details in Section 17. We will respond to your request within a reasonable period (and in any event within 30 days). We may need to verify your identity before actioning a request. If we refuse a request for access or correction, we will provide written reasons and information about how you can complain about that refusal. 

14. Direct Marketing 

We may use your personal information to send you information about our products and services that we consider may be of interest to you, where permitted by the Privacy Act and, where applicable, the Spam Act 2003 (Cth). 

You may opt out of marketing communications at any time by using the unsubscribe function in our communications or by contacting us directly. Service-related communications that are necessary for your account and our provision of Services to you (for example, security alerts or transactional notices) cannot be opted out of. 

15. Complaints and Dispute Resolution 

15.1 Contact Us First 

If you have a complaint about how we have handled your personal information, or about our Services more generally, please contact us using the details in Section 17. We will acknowledge your complaint promptly and aim to resolve it within 30 calendar days. We will provide you with a written response setting out the outcome of our review and the reasons for our decision. 

15.2 Privacy Complaints to the OAIC 

If you are not satisfied with our response, or your complaint relates specifically to our handling of your personal information and remains unresolved, you may contact the Office of the Australian Information Commissioner (OAIC): 

  • Phone: 1300 363 992 

  • Mail: GPO Box 5288, Sydney NSW AUSTRALIA 2001 

16. Children's Privacy 

Our Services are intended for individuals aged 18 years or older, unless we expressly state otherwise. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us and we will take reasonable steps to delete it. 

17. Changes to This Privacy Policy 

We may update this Privacy Policy from time to time to reflect changes in our practices, our Services, or legal and regulatory requirements. The latest version will always be published on our website and app, and will show the “Last Updated” date at the top of this document. Where changes are material, we will take reasonable steps to notify you, such as by email or an in-app notice. 

18. Contact Us 

Money by Jane Pty Ltd 

ABN 83 687 169 848 

Email: info@moneybyjane.com.au 

Website: https://moneybyjane.com.au 

If you have any questions about this Privacy Policy or how we handle your personal information, please contact our Privacy Officer at the email address above.