Privacy Policy

1. Overview

This Privacy Policy explains how Recontraq collects, uses, stores, and discloses personal information when you visit this website, contact us, create an account, or use the Recontraq web or mobile app.

Recontraq is operated by Recontiq Pty Ltd. We aim to handle personal information in accordance with applicable Australian privacy law, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles where they apply.

This policy should be read together with our Data Sharing, Security, Important Information, Complaints, and Terms of Service pages.

2. Information We Collect

• Contact and account information, such as your name, email address, login details, and support messages.
• App information you choose to enter or connect, such as budgets, bills, subscriptions, insurance policy details, payment dates, reminders, notes, and related financial records.
• Technical and usage information, such as IP address, device details, browser type, pages visited, app activity, diagnostics, and security logs.
• Information from integrations or service providers where you authorise or use those connections.

3. How We Use Information

• Provide, operate, secure, and support Recontraq.
• Show budgets, bills, subscriptions, insurance reminders, renewals, and related app insights.
• Respond to enquiries, provide account support, and communicate about product or service updates.
• Monitor performance, troubleshoot issues, prevent misuse, and improve the quality and usability of Recontraq.
• Comply with legal obligations and protect our rights, users, systems, and services.

4. Financial and Personal Money Data

Recontraq helps you organise personal money commitments and related records. You are responsible for ensuring that the information you enter or connect is accurate and that you have authority to use it in the app.

We do not sell personal information or identifiable financial records. We process app data only as reasonably necessary to provide, secure, support, and improve Recontraq in accordance with this policy.

5. Connected Services

If Recontraq allows you to connect a bank, payment, identity, notification, analytics, or other third-party service, we may receive and process information made available through that connection as authorised by you.

Connected services are also subject to the relevant provider's terms and privacy practices. You should review those terms and disconnect an integration if you no longer want information to be received through it.

6. Disclosure and Service Providers

We may disclose information to service providers and contractors that help us operate Recontraq, such as hosting, identity, analytics, support, communications, security, and technology providers.

We may also disclose information where required or authorised by law, or where reasonably necessary to protect rights, safety, or security. Some providers may process information outside Australia, including in jurisdictions where a provider or its subcontractors operate.

7. Storage, Security, and Retention

We take reasonable steps to protect information from misuse, interference, loss, and unauthorised access, modification, or disclosure. Safeguards may include access controls, encryption, logging, and separation of environments.

No method of internet transmission or electronic storage is completely secure. We retain personal information only for as long as reasonably necessary for the purposes described in this policy, to provide the service, meet legal obligations, or resolve disputes.

8. Cookies and Analytics

Our website and app may use cookies, local storage, analytics, and similar technologies to support functionality, understand usage, improve the service, and protect accounts. You can control some cookies through browser settings, although disabling them may affect functionality.

9. Access, Correction, and Complaints

You may contact us to request access to personal information we hold about you or to ask us to correct information that is inaccurate, incomplete, or out of date, subject to applicable legal exceptions.

If you have a privacy concern or complaint, contact us using the details below. We will review the issue and respond within a reasonable time. If you are not satisfied with our response, you may be able to contact the Office of the Australian Information Commissioner at oaic.gov.au.

10. Changes and Contact

We may update this Privacy Policy from time to time. The updated version will be published on this website with a revised date.

For privacy questions, requests, or complaints about Recontraq, contact us at [email protected].