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.
Advertising and personalization
centKoala uses two separate ad systems. Your choices in one do not automatically control the other.
| System | What it uses | Your control |
|---|---|---|
| centKoala curated ads | Age group, gender, and state/territory from your profile to show relevant sponsored deals in the Deals tab. | Turn off personalized ads in app Settings. When off, we still show ads but without demographic matching. |
| Google AdMob / Ad Manager | Google’s own ad selection and measurement when the top banner slot is served by Google. | Disabling centKoala personalization does not disable Google ads. When you opt out, we request non-personalized ads from Google where supported. Google may still process limited data under its policies. |
We do not embed your name, email, or other direct identifiers in outbound affiliate tracking links. If we expand beyond Australia-first launch into regions requiring consent banners (e.g. EU/UK), we will add Google UMP or an equivalent IAB TCF-certified consent flow.
Snap Deals (Local Radar)
When you post a Snap Deal, you may optionally share your profile email, verified mobile number, and/or a map pin so interested neighbours can contact you. By default, all contact sharing is off and your exact capture location is not shown in the community feed.
- Who can see shared contact details — only neighbours who have a verified mobile number on their centKoala profile. Others may see locked contact buttons and must complete SMS verification before details are shown.
- Location sharing — you can keep your pin hidden, show an approximate area (within about 200 m), or share an exact navigation point with verified neighbours only.
- Irreversibility — neighbours who unlock your email, phone, or map pin may retain that information; you cannot fully retract details already seen.
- Profile changes — if you change your verified mobile after sharing, you must re-consent before phone sharing is active again on your listing. Your centKoala login email is fixed after account creation.
We do not store buyer contact details on Snap Deal rows. Contact fields are resolved from your profile at view time and are not written to long-lived disk cache on your device.
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: 29 September 2026