How we handle your information
This Privacy Policy explains how Cleer Money ("we", "us", "our") collects, uses, stores, and discloses your personal information when you use the Cleer Money mobile application.
We are committed to protecting your privacy and complying with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the Consumer Data Right (CDR) framework under the Competition and Consumer Act 2010 (Cth). By using the App, you agree to the collection and use of your information in accordance with this Policy.
Who we are
Isaac Talbot
Sole Trader, trading as Cleer Money
ABN: 99 498 576 599
Queensland, Australia
We are not a bank, financial institution, or licensed financial adviser.
Information we collect
Information you provide directly
- Account information: Your name and email address when you create an account.
- Subscription information: Billing and subscription status (processed by Apple — we do not store payment card details).
Banking and financial data (via Open Banking / CDR)
With your explicit consent, we connect to your bank accounts via Australia's Consumer Data Right framework through our accredited data recipient partner, Fiskil. Through this connection we may access:
- Your bank account names and identifiers
- Transaction history (up to 6 months of historical data)
- Transaction descriptions, amounts, dates, and merchant information
We access only the data necessary to provide the App's core functionality. We do not access or store your internet banking login credentials.
App usage & technical data
- Transaction categorisation choices ("Want" / "Need" swipes) and preferences
- Device type and operating system version (for troubleshooting)
- Anonymised analytics data to help us understand and improve the App
How we use your information
- Provide, operate, and maintain the App and its features
- Connect to your bank accounts and retrieve transaction data with your consent
- Enable you to categorise and analyse your personal spending
- Send you relevant notifications about your finances (with your permission)
- Process and manage your subscription via Apple's in-app purchase system
- Respond to support requests, improve the App, and comply with legal obligations
We do not use your financial data for advertising, profiling, or on-selling purposes.
Consumer Data Right — your rights
Cleer Money accesses your banking data under Australia's Consumer Data Right framework. In relation to CDR data:
- You control your consent. Withdraw at any time through the App or your bank's CDR dashboard — no penalty.
- Data minimisation. We only request the data necessary to operate the App.
- Data retention. CDR data is deleted within 7 days of account deletion, except where law requires otherwise.
- No on-selling. Your CDR data is never sold, shared with advertisers, or used for secondary purposes.
- Accredited data recipient. Banking data is retrieved via Fiskil Pty Ltd. See fiskil.com.au for their privacy policy.
Who we share data with
We do not sell your personal information. We share your data only with:
| Party | Purpose |
|---|---|
| Fiskil Pty Ltd | CDR-accredited data intermediary for bank connection |
| Supabase Inc. | Cloud database and authentication infrastructure |
| Apple Inc. | In-app subscription processing via App Store |
| RevenueCat Inc. | Subscription status management |
| Legal authorities | Where required by law, court order, or regulatory obligation |
Data storage & security
Your data is stored on Supabase infrastructure (hosted in Australia where available, otherwise in AWS data centres). Our security measures include:
- Encryption of data in transit (TLS/HTTPS)
- Encryption of sensitive credentials at rest (Supabase Vault)
- Row-level security controls on all database tables
- Access controls limited to authorised systems
No method of electronic storage or transmission is 100% secure. While we take reasonable steps to protect your data, we cannot guarantee absolute security.
How long we keep your data
| Data type | Retention period |
|---|---|
| Account information | Until account deletion, then deleted within 30 days |
| Transaction data | Until account deletion, then deleted within 7 days |
| CDR data | Until consent withdrawal or account deletion, then deleted within 7 days |
| Subscription records | As required by Apple / RevenueCat and applicable tax law |
Access, correction & deletion
Under the Australian Privacy Principles, you have the right to:
- Access the personal information we hold about you
- Correct inaccurate or out-of-date personal information
- Delete your account and associated data at any time
- Withdraw CDR consent at any time without affecting your ability to continue using the App
- Complain if you believe we have mishandled your information
Contact us at support@cleermoney.com.au to exercise any of these rights. We will respond within 30 days. If unsatisfied, you may contact the Office of the Australian Information Commissioner at oaic.gov.au or 1300 363 992.
Children's privacy & changes
Children's privacy
The App is not directed at individuals under 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, contact us and we will delete it.
Changes to this policy
We may update this Privacy Policy from time to time. We will update the "Last Updated" date above and notify you of material changes via the App or email. Continued use of the App after changes constitutes acceptance of the updated Policy.
Get in touch
Privacy questions?
Isaac Talbot · Sole Trader, trading as Cleer Money · ABN 99 498 576 599 · Queensland, Australia