Legal
Privacy Policy
This policy describes how centKoala collects and uses information when you use our website (centkoala.com) and mobile application.
Who we are
centKoala provides personal finance tools for Australian users, including expense tracking, bill splitting, deals discovery, and optional open-banking connections.
Information we collect
- Account information — email address, display name, and authentication credentials when you register.
- Financial data — transaction and account data you choose to connect via supported banking integrations, stored according to applicable consent and regulatory requirements.
- App usage — feature interactions, device type, and diagnostic logs needed to operate and secure the service.
- Website usage — standard server logs when you visit centkoala.com (IP address, browser type, pages viewed).
- Affiliate clicks — anonymous click identifiers when you follow retailer links; we do not embed personal information in outbound affiliate URLs. See our Affiliate Disclosure.
How we use information
- Provide and improve centKoala features you request.
- Authenticate users and prevent fraud or abuse.
- Send service-related notifications (e.g. invites, sync updates) where you have opted in.
- Measure aggregate performance of deals and affiliate placements.
Sharing
We do not sell your personal information. We share data only with service providers necessary to operate centKoala (hosting, authentication, push notifications), when required by law, or with your explicit consent (e.g. open-banking data providers).
Retention and security
We retain data only as long as needed for the purposes above or as required by law. We use encryption in transit, access controls, and industry-standard security practices. No system is 100% secure.
Your choices
- You may request access to or deletion of your account data through in-app settings or support contact.
- You may disconnect bank integrations at any time.
- You may disable push notifications in device settings.
Children
centKoala is not directed at children under 16. We do not knowingly collect data from children.
Changes
We may update this policy from time to time. Material changes will be communicated through the app or this page.
Contact
Privacy enquiries: contact us via the centKoala app or the support channel listed on centkoala.com.
Last updated: 24 August 2026