Privacy Policy

Money Muster Pty Ltd A.B.N. 64 654 461 882 (“Money Muster”, “we”, “us” or “our”) provides a financial education platform including superannuation fee calculators, superannuation performance comparison tools and data, cashflow tool, age pension calculator, superannuation learning masterclasses and publicly available website hyperlinks (the “Service”).

We collect the minimum amount of personal information needed to provide the Service. At present, this is primarily:

• Your email address — Which we use to create and secure your account, verify your identity, and send you important account-related communications.
• An alias or display name (optional) — You may choose to provide your real name or use an alias anywhere the Service asks for a display name. For the purposes of providing educational content, it does not matter whether you use your real name or an alias.
• Optional profile information — You may provide your birth month and year, employment status, and housing status in your account profile. We use this information to personalise your profile and make our educational tools and content more relevant to your circumstances. It is stored securely with your account until you update or delete it, or delete your account.
• Information you choose to enter into our tools — The figures entered into the superannuation fee calculators, first home super saver scheme calculator, age pension calculator, or other calculators. These figures are used only to generate your results. The exception is the cashflow tool, where the data you enter is stored securely so the tool can operate properly. You can permanently delete your cashflow tool data at any stage.
• Account, subscription and billing information — If you purchase a paid subscription, your payment is processed by our third-party payment processor, Stripe. We do not collect, store or have access to your full credit or debit card number, card verification code/CVC, or complete payment credentials.Stripe processes your payment information and provides us with limited information needed to manage your account, subscription and billing relationship. This may include your name, email address, customer ID, subscription plan, subscription status, renewal or cancellation status, invoice history, payment status, transaction amount, transaction date, currency, and limited payment method details such as the card brand, expiry month and year, and the last four digits of the card.We use this information to activate and manage paid subscriptions, issue receipts, confirm payment status, manage renewals, cancellations and failed payments, respond to billing enquiries, and maintain accurate business and tax records.Stripe may process and store payment and billing information in accordance with its own legal obligations, security standards and privacy practices. You should review Stripe’s privacy policy for more information about how Stripe handles personal information.We do not use your payment card details for any purpose other than facilitating payment through Stripe, and we do not sell or trade your billing information.
• AI assistant messages — Questions and limited recent conversation context you submit to an AI assistant are sent to OpenAI to generate a response and, where relevant, search Money Muster’s configured knowledge base. Do not enter tax file numbers, account numbers, contact details or other sensitive personal information into an AI assistant. Prompts and responses are retained for seven calendar years after the most recent persisted message. A later message extends that period; rename, archive, administrator access and export do not.
• Correspondence — Information you send us, such as support requests, feedback or messages, so we can respond to you.
• Limited technical information — information generated when you use the Service, such as login timestamps and basic device or browser information. We use this information to help keep the Service secure, reliable and working properly.
• Website and feature activity — When analytics or advertising measurement is enabled, we collect information about pages and features used, lesson and calculator interactions, sign-ups, checkout activity and completed subscriptions. This may include event times, campaign information and pseudonymous browser or account identifiers that link activity across visits or to your signed-in account. These identifiers are not your name or email address, but the information is not necessarily anonymous.
• OpenAI Ads click references — If this measurement is enabled, an eligible visit with an ad-click reference may set a signed, first-party cookie containing that reference for up to 30 days. If you sign in, we may associate the reference with your account to measure a new registration or first confirmed paid subscription. The browser cookie may be cleared after that association; the account reference expires after 30 days or is removed sooner after a qualifying purchase or withdrawal.

We do not require this optional profile information or request your full date of birth, street address, tax file number or government identifiers to use the Service.

Money Muster uses OpenAI to provide its AI assistants. When you send a message, the message, limited recent conversation context and relevant Money Muster knowledge-base material are transmitted to OpenAI for the purpose of generating the response. The assistants cannot take actions on your account, access payment credentials or retrieve another user’s information.

You cannot delete retained AI conversations before automatic expiry; archive and restore are the available history controls. Authorised administrators may access them only with a recorded reason for legitimate support, complaint, privacy-access or dispute work. Such access and single-conversation JSON or Markdown exports are audited; exports are not cryptographically signed. If you delete your account, other personal data is purged but a minimal disabled identifier and email tombstone links retained conversations until the last expires.

AI responses may be incomplete or incorrect and are general educational information, not personal financial advice. Verify important information independently and consult an appropriately qualified adviser where necessary.

OpenAI may process this information outside Australia, including in the United States and other countries where it or its subprocessors operate. We take reasonable steps to assess and manage provider privacy protections. Contact us for more information about current processing locations or safeguards.

We collect personal information directly from you — for example, when you create an account, sign in, use a calculator or tool, save information, contact our support team, or submit feedback through the Service. We do not collect personal information about you from other third parties except where a service provider (described below) passes on information as part of operating the Service, such as our authentication and payment providers confirming your account or subscription status.

We also collect the activity information described above automatically through website tags, cookies or similar browser storage and events sent by our systems. Google’s measurement tools may receive technical information such as your page address, IP address and browser or device details. OpenAI Ads measurement uses our first-party click storage and events sent from our server; it does not load an OpenAI browser pixel. The server event uses a fixed Money Muster website URL rather than the page you visited or its query string. We do not include your IP address or browser or device details in that event. Where applicable law or provider policies require consent, we obtain it before enabling the relevant measurement.

Before OpenAI Ads collection and account attribution, we check recognised Do Not Track and Global Privacy Control signals, saved analytics or Google Ads preferences, and identified internal traffic. When a withdrawal reaches our systems, we remove retained click attribution and suppress pending conversion records. An event already sent or in flight cannot be recalled.

We collect and use your personal information to:

• create, authenticate and secure your Money Muster account;
• provide, operate and personalise the Service, including saving and retrieving profile information, calculations, preferences and progress you choose to store;
• process subscriptions and payments, and manage your billing status;
• respond to support requests, feedback and other communications you send us;
• send you essential account and service-related notifications (such as confirming a sign-up, a password change, or a change to your email address);
• maintain the security, integrity and proper functioning of the Service, including detecting and preventing fraud or misuse; and
• meet our legal and regulatory obligations.
• understand how people use the Service, improve the experience, and measure which Money Muster advertisements lead to sign-ups and paid subscriptions.

Money Muster does not sell, rent or trade your personal information to any third party, for any purpose, at any time. We do not monetise your data through advertising networks or data brokers. Any sharing of information described in this Policy is limited to the service, improvement and advertising-measurement purposes explained below.

To operate, improve and measure the effectiveness of the Service and our advertising, we use the providers listed below. Their handling of information is governed by our agreements with them and their applicable privacy terms.

• OpenAI, for AI assistant responses and knowledge retrieval;
• Clerk, for authentication and subscription management;
• Convex, for application data storage and backend processing;
• Stripe, for payment and billing processing;
• Mux, for protected video delivery; and
• Resend, for transactional email delivery.
• PostHog, for product analytics using the website and feature activity described above. We do not send calculator entries or results, cashflow figures, profile details, AI or support-message content, passwords or payment-card details to PostHog. We do not use session recordings or automatic capture of all clicks and form content.
• Google Ads, for advertising attribution and conversion measurement. This can include ad-interaction identifiers, whether a subscription was purchased, its value and currency, and a transaction identifier to avoid counting the same purchase twice. We do not send calculator entries or results, cashflow figures, AI or support-message content, passwords or payment-card details to Google Ads. See how Google uses information from sites that use its services.
• OpenAI Ads, if enabled, to measure whether an interaction with a Money Muster ad led to an account registration or first confirmed paid subscription. We may send an opaque ad-interaction reference, a pseudonymous event identifier used to prevent duplicate counting, the event type and time, a fixed Money Muster website URL, and, for the first paid subscription, the actual amount paid in Australian dollar cents and its AUD currency code. These conversion events do not include names, email addresses, phone numbers, visitor IP addresses, browser or device details, payment-card details, calculator entries or results, cashflow figures, profile details, or AI or support-message content. We mark the events to opt out of future user-level personalisation.

These providers may store or process information outside Australia as part of their infrastructure. Where this occurs, we take reasonable steps to ensure the provider is subject to privacy protections consistent with the APPs before we disclose information to them.

We may also disclose personal information where required or authorised by law. Other than as described in this section, we do not share your personal information with third parties.

Analytics and advertising information may be processed outside Australia, including in the United States. Google may also use conversion information to improve its advertising services and produce aggregated insights. PostHog’s use of information is subject to its terms and our agreed settings.

We do not use your personal information for direct marketing by unrelated third parties. If we ever send you marketing communications about Money Muster’s own features or updates, we will only do so in accordance with applicable law, and you will always be able to opt out or unsubscribe at any time.

We take reasonable technical and organisational steps to protect the personal information we hold from misuse, interference, loss, and from unauthorised access, modification or disclosure. This includes using encrypted connections, industry-standard authentication practices, and restricting access to personal information to what is needed to operate the Service. No method of electronic storage or transmission is completely secure, so while we work hard to protect your information, we cannot guarantee its absolute security.

You can access and update most of your account information (including your email address, display name or alias, and optional profile information) directly within your account settings. If you would like a copy of the personal information we hold about you, or believe any information we hold is inaccurate, out of date or incomplete, you can contact us using the details below and we will respond within a reasonable timeframe.

You may request that we delete your account and associated personal information at any time by contacting us or subscribed and logged in users can send us a message on the Money Muster platform. We will action your request as soon as reasonably practicable.

If you have any questions about this Privacy Policy, or wish to make a privacy-related complaint, please use the publicly available Contact Us form on the website. We will acknowledge your complaint and aim to resolve it promptly and fairly.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

As Money Muster grows and the Service evolves, we may need to update this Privacy Policy from time to time. Any changes will be posted on this page along with an updated version number and effective date. We encourage you to review this page periodically to stay informed about how we handle your personal information.