Last updated: 27 March 2024
Who we are
Budget Ontrack (https://www.budgetontrack.com) is an Australian business founded in 2020. Our website is a financial education resource that aims to provide visitors with information on financial literacy and wealth-building strategies. Despite being Australian-owned, the majority of information provided on our website is not specific to any country or region. Visitors from any part of the world can benefit from the content!
At budgetontrack.com, we are committed to protecting your privacy as a customer and an online visitor to our website. We use the information we collect about you to maximize the services that we provide to you. We respect the privacy and confidentiality of the information provided by you and adhere to the Australian Privacy Principles. Please read our privacy policy below carefully.
What personal data we collect and why we collect it
In the course of your visits to our website or use of our products and services, we may obtain the following information about you: name, company name, email address, telephone number, credit card details, billing address, geographic location, IP address, survey responses, support queries, blog comments and social media handles (together ‘Personal Data’).
Our services are not directed to persons under 18 and we do not knowingly collect Personal Data from anyone under 18. If we become aware that a child under 18 has provided us with Personal Data, we will delete that information as quickly as possible. If you are the parent or guardian of a child and you believe they have provided us with Personal Data without your consent, then please contact us.
Comments
Comments are made available to visitors on the site at the end of each article to share their ideas and experiences related to the article. Approved comments are shown at the end of the articles and are viewable to site visitors. Visitors are not required to log in or opt in to leave comments.
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
To protect your privacy, we do not display your email address with your comment. The only information publicly displayed in the comments section is the date and time of the comment, the name you provided, and the comment you submitted.
If you prefer to remain anonymous in public comments, we recommend that you do not use your full name in the comment form, as the name provided will be displayed in the comments section and may be used to identify you.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Note that we are not responsible for public comments made by our visitors on our site. However, it is within our rights to delete comments that are deemed offensive or irrelevant to the article. Offensive comments can include racism, sexism, bullying, harassment, offensive language and other socially unacceptable content. We may also terminate user accounts for breaching these terms.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Contact forms
We use contact forms to allow visitors to send emails to budgetontrack.com email addresses as our primary form of communication with our visitors. The contact forms request your first and last name, email address, and comments that you include in the form. Other forms may request other information relevant to the communication type, such as business name, website address, or profile address.
The data captured by the forms is collected by us. Any response from us in the form of email communication may be collected by your ISP and/or email provider. Contact forms possess similar privacy attributes as standard email communication.
Note that, unless you have specifically opted-in to receive emails originating from budgetontrack.com, we do not use the information submitted through any of our forms for marketing purposes. Nor do we share or sell any of your contact information entered into forms to third parties.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
If you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
An additional cookie will be saved in your browser if you edit or publish an article. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
We encourage you to read our cookie policy for further information.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Analytics
We use the Google Analytics service to provide us with visitor browsing information for site optimisation and security purposes. It includes metadata information such as pages visited, time of visit, how long pages were visited for, page load times, browser details, operating system details, location of visitors (specific to the city only) and how our visitors arrived (direct, social media, ads etc.).
We recommend you visit the Google Analytics partner sites Privacy and Terms for more information, including how Google uses the information, ad personalisation, and how you can control the information collected by Google.
How we use your information
Personally identifiable information
We use the information we collect to deliver our services to you, including: communicating with you, providing technical support, notifying you of updates and offers, sharing useful content, measuring customer satisfaction, diagnosing problems, and providing you with a personalised website experience.
Marketing communications are only sent to you if you have requested or subscribed (opted in) to them. You can opt out of our marketing communications at any time by unsubscribing or emailing us and your request will be actioned immediately.
Non-personally identifiable information
We also use the information we collect in aggregated and anonymized forms to improve our services, including:
- administering our website
- producing reports and analytics
- advertising our products and services
- identifying user demands
- assisting in meeting customer needs generally.
Any information you choose to make publicly available, such as blog comments and testimonials on our website, will be available for others to see. If you subsequently remove this information, copies may remain viewable in cached and archived pages on other websites or if others have copied or saved the information.
Storage and security of your information
We will use all reasonable means to protect the confidentiality of your Personal Data while in our possession or control. All information we receive from you is stored and protected on secure hosted servers from unauthorized use or access. Credit card information, if used on our site, is encrypted before transmission and is not stored by us on our servers.
To enable us to deliver our services, we may transfer information that we collect about you, including Personal Data, across borders for storage and processing in countries other than Australia. If your Personal Data is transferred and processed outside Australia, it will only be transferred to countries that have adequate privacy protections.
We retain your personal information for as long as needed to provide services to you and as otherwise necessary to comply with our legal obligations, resolve disputes and enforce our agreements.
In the event there is a breach of our security and your Personal Data is compromised, we will promptly notify you in compliance with the applicable law.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Sharing your information with third parties
Your Personal Data details are only disclosed to third-party suppliers when it is required by law, for goods or services which you have purchased, for payment processing or to protect our copyright, trademarks, and other legal rights. To the extent that we do share your Personal Data with a service provider, we would only do so if that party has agreed to comply with our privacy standards as described in this privacy policy and in accordance with applicable law. Our contracts with third parties prohibit them from using any of your Personal Data for any purpose other than that for which it was shared.
Visitor comments may be checked through an automated spam detection service.
Disclosure of your information
We may from time to time need to disclose certain information, which may include your Personal Data, to comply with a legal requirement, such as a law, regulation, court order, subpoena, warrant, in the course of a legal proceeding or in response to a law enforcement agency request. Also, we may use your Personal Data to protect the rights, property or safety of budgetontrack.com, our customers, or third parties.
If there is a change of control in one of our businesses (whether by merger, sale, transfer of assets, or otherwise) customer information, which may include your Personal Data, could be transferred to a purchaser under a confidentiality agreement. We would only disclose your Personal Data in good faith and where required by any of the above circumstances.
Links to other websites
This website may contain links to other websites. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that we are not responsible for the privacy practices of such other websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personally identifiable information. This privacy policy applies solely to information collected by this website.
This website contains affiliate links to other websites. These links are included as resources for visitors to this website if they wish to learn more about the content covered in this website. We recommend you read our Affiliate Links Disclosure for more information.
Social sharing
We embed a Facebook widget to allow you to see number of likes/shares/recommends and/or “like/share/recommend” on our website. This widget may collect your IP address, your web browser User Agent, store and retrieve cookies on your browser, embed additional tracking, and monitor your interaction with the widget, including correlating your Facebook account with whatever action you take within the widget (such as “liking/sharing/recommending” our webpage), if you are logged in to Facebook. For more information about how this data may be used, please see Facebook’s data privacy policy: https://www.facebook.com/about/privacy/update.
We use a X/Twitter widget on our website. As a result, our website makes requests to X/Twitter’s servers for you to be able to tweet our webpages using your X/Twitter account. These requests make your IP address visible to X/Twitter, who may use it in accordance with their data privacy policy: https://twitter.com/en/privacy#update.
Change in the privacy policy
As we plan to ensure our privacy policy remains current, this policy is subject to change. We may modify this policy at any time, in our sole discretion and all modifications will be effective immediately upon our posting of the modifications on this website. Please return periodically to review our privacy policy.
Contact details
If you have any questions or concerns at any time about our privacy policy or the use of your Personal Data, please contact us.