Privacy Policy

1. About this policy

Wealth Forecaster (“we”, “us”, “our”) is an Australian financial modelling tool operated at wealthspan.au. This policy explains how we collect, use, store and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By creating an account or using Wealth Forecaster, you agree to the practices described in this policy.

2. Information we collect

We collect the following personal information:

• Account information — your email address, collected when you register. We do not require your name.
• Authentication data — your password is stored as a one-way cryptographic hash by Supabase. We never store passwords in plain text.
• Financial modelling data — income, superannuation balances, property details, investment holdings, debts, expenses, and retirement scenarios that you enter while using the app. This information is linked to your account and stored securely. It is used solely to run your simulations and is never used for any other purpose.
• Subscription and billing data — your subscription plan and payment status. Payment card details are handled entirely by Stripe and are never stored on our systems. We store only a Stripe customer reference ID.
• Live price data — if you enter share or ETF ticker symbols, those ticker codes are sent to our price proxy to fetch live market prices. No personal information is included in these requests.
• Usage data — basic technical data such as access logs, which may be retained by our hosting provider (Vercel).

We collect only the information necessary to provide the service. We do not collect government identifiers, health information, or any data beyond what you explicitly enter into your scenarios.

3. How we use your information

We use your personal information to:

• Create and manage your account
• Run financial simulations based on the details you enter
• Send transactional emails (email verification, password resets, subscription receipts)
• Process subscription payments via Stripe
• Maintain the security and performance of the platform
• Comply with legal obligations

We do not use your personal information for advertising, and we do not sell, rent or trade your information to any third party.

4. Third parties we share information with

We share limited personal information with the following trusted third-party service providers, solely to operate the platform:

5. Overseas data storage

Some of your personal information is stored or processed outside Australia — specifically in Singapore (Supabase/AWS) and the United States (Vercel, Stripe). By using Wealth Forecaster, you consent to this transfer. We take reasonable steps to ensure these providers handle your information in a manner consistent with the Australian Privacy Principles.

6. Data security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access. Measures include:

• All data transmitted over HTTPS/TLS
• Passwords stored as cryptographic hashes (never in plain text)
• Database access restricted to application services via row-level security (RLS)
• Email verification required for new accounts
• Financial scenario data accessible only to the account that created it

If we become aware of a data breach that is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) as required under the Notifiable Data Breaches scheme.

7. Data retention

We retain your personal information for as long as your account is active or as necessary to provide the service. If you cancel your subscription, your data is retained for 12 months so you can reactivate without losing your scenarios. If you request account deletion, we will delete or de-identify your personal information within 30 days, unless we are required to retain it by law.

8. Your rights

Under the Privacy Act, you have the right to:

• Access — request a copy of the personal information we hold about you
• Correction — ask us to correct information that is inaccurate, out of date, or incomplete
• Deletion — request that we delete your account and associated data
• Complaint — make a complaint if you believe we have mishandled your personal information

To exercise any of these rights, contact us at the address below. We will respond within 30 days.

If you are unsatisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

9. Cookies and local storage

Wealth Forecaster uses session cookies for authentication, managed by Supabase. We do not use third-party tracking or advertising cookies. The app may be installed as a Progressive Web App (PWA) and uses a service worker for offline caching — this does not collect personal information. Browser local storage is used to preserve unsaved form state within a session only.

10. Changes to this policy

We may update this policy from time to time. If we make material changes, we will notify you by email or by a prominent notice within the app. The date at the top of this page indicates when the policy was last updated.

11. Contact us

For privacy-related enquiries, access requests, or complaints, please contact us at:

Wealth Forecaster
Email: hello@wealthspan.au