Privacy Policy

1. About this policy

This policy explains how iPride Solutions Pty Ltd collects, holds, uses and discloses personal information, and how you can access or correct the information we hold about you. It is written in plain English on purpose; we'd rather you actually read it.

We comply with the Privacy Act 1988 (Cth) and the 13 Australian Privacy Principles (APPs). Where this policy is more generous to you than the Act, that is deliberate.

2. What we mean by "personal information"

Personal information is any information or opinion about an identified individual, or an individual who is reasonably identifiable. For us, that includes your name, your partner's name, both of your email addresses and phone numbers, your household financial information (income, super balances, mortgage figures, account structures), the contents of your coaching conversations, and any other detail you share with us as part of the Services.

2A. Anonymity and pseudonymity (APP 2)

Where lawful and practicable, you and your partner may interact with us anonymously or under a pseudonym, for example, when reading the website or sending a general enquiry that does not require a personalised response. For active coaching, the Couples Money Compatibility Quiz, or any joint engagement, identification of both partners is necessary because the work depends on us being able to recognise each of you and produce a joint artefact in both of your names.

2B. Children's data

The iPride Solutions website and services are directed at adult households and are not intended for children under 18. We do not knowingly collect personal information from children. If a parent or guardian becomes aware that a child has provided personal information to us without consent, please contact hello@ipridesolutions.com.au and we will delete that information from our active systems.

3. The dual-user clause: how we handle two-partner data

This clause is specific to iPride because the Services are designed for two-person households. Read it carefully.

3.1 We collect information about both partners. When a household engages iPride, we collect personal information from and about both partners. This includes contact details, household financial information, and information shared in joint sessions.

3.2 Explicit consent from both partners. We will not begin a paid engagement until both partners have given explicit, written consent (typically via the joint onboarding form) to the collection, use and storage of their personal information by iPride for the purposes of the Services.

3.3 Joint sessions involve shared disclosure. In a joint session, anything either of you says is heard by the other partner and by us. We cannot keep a piece of information disclosed in a joint session secret from the other partner; that would be inconsistent with the entire mechanism of coaching couples together. Please consider this before disclosing anything in a joint session that you do not want your partner to know.

3.4 Brief asides between sessions. Where one partner emails us, calls us, or messages us between joint sessions, we treat that communication as part of the joint engagement. We will not actively share its contents with the other partner unrequested, but we will not commit to confidentiality from the other partner either. If something needs to be raised, we will raise it in the next joint session. If you need a fully private space for a financial conversation, iPride is not the right venue; please speak to a licensed counsellor or solicitor.

3.5 Either partner may request access to or deletion of their own data. Either partner may, at any time, request access to or correction of personal information about themselves that we hold. Either partner may also request deletion of their own personal information, subject to our legal record-keeping obligations.

3.6 Joint artefacts contain both partners' information. Some material we produce (the one-page plan, the joint quiz report, joint session notes) necessarily contains both partners' information. Where one partner requests deletion of their own data, we will delete identifying information about that partner, but we may not be able to fully delete joint artefacts that depend on both partners' inputs without the other partner's consent. We will explain what we can and can't do in writing within 30 days of the request.

3.7 If you separate. If you and your partner separate during or after an engagement, please tell us. We will pause active work and confirm in writing with each of you separately what should happen to the data we hold. We will not take sides, share new information with one of you that we have not also shared with the other, or be drawn into any legal dispute between the two of you, beyond producing records in response to a lawful order.

4. What information we collect

We collect:

• Identity and contact details:both partners' names, email addresses, phone numbers, postal address if you give one.
• Household financial information: income, savings, debts, super balances, mortgage details, investment holdings, household cashflow patterns, as you choose to share these with us during the engagement.
• Quiz responses: answers you give in the Couples Money Compatibility Quiz, including the questions you each answered separately.
• Session content: notes from joint sessions, the artefacts we produce together, the one-page plan.
• Website usage data: IP address, browser type, pages viewed, referrer, via standard analytics tools (see clause 9).
• Correspondence: emails, form submissions, messages you send us.

5. How we collect it

We collect personal information directly from you (and your partner), through the contact form, the quiz, the onboarding process, in coaching sessions, and over email or phone. We do not buy lists or scrape personal information from third parties.

6. Why we collect it

We collect, hold and use your personal information to:

• Deliver the coaching Services to your household.
• Generate the joint quiz report.
• Maintain records as required by Australian law (e.g. tax records, financial transaction records).
• Send the newsletter, where you have subscribed (you can unsubscribe at any time).
• Reply to your enquiries.
• Improve the Services, in aggregated, de-identified form only.

We do not use your personal information for any other purpose without first telling you.

7. Who we share it with

We do not sell your personal information. We share it only with:

• The other partner in your household engagement (see clause 3).
• Our small team of coaches and household-care staff, all of whom are bound by confidentiality obligations.
• Service providers who help us run the practice (email platform, scheduling tool, secure document storage, payment processor, accountant), each of whom is bound by privacy obligations consistent with this policy.
• Licensed referral partners, only with your explicit consent and only as much as is needed for the referral.
• Australian regulators, courts or law enforcement, where required by law.

Where we use overseas service providers (for example, an email platform hosted in the United States), we take reasonable steps to ensure they handle personal information consistently with the APPs. The countries in which our key service providers store data are listed in clause 11.

8. How we hold and protect it

Personal information is stored in cloud-based systems with industry-standard encryption in transit and at rest, access controls limited to staff who need access for their role, multi-factor authentication on all admin accounts, and regular backups. We retain personal information only as long as we need it for the purposes described, typically the duration of the engagement plus seven years for financial record-keeping, then it is deleted or de-identified.

If we have a data breach that is likely to result in serious harm, we will notify you and the Office of the Australian Information Commissioner (OAIC) in line with the Notifiable Data Breaches scheme.

9. Cookies and analytics

The website uses cookies and standard analytics tools (for example, Google Analytics) to understand how the site is used, in aggregate. You can disable cookies in your browser. Doing so may affect how the site works for you but will not stop you booking a session or taking the quiz.

We do not use cookies to do cross-site behavioural advertising. If we add any marketing pixel in the future, this policy will be updated and existing subscribers will be notified.

10. The newsletter

If you sign up for our newsletter, we use your email address and first name to send you the newsletter and occasional related updates. You can unsubscribe at any time using the link in every email, and we will stop sending within 5 business days. Unsubscribing from the newsletter does not end any active coaching engagement.

11. Overseas disclosure

Some of our service providers store data in the United States, the European Union, or other countries with privacy regimes comparable to or stronger than Australia's. As of the last-updated date at the top of this page, the main jurisdictions where personal information about you may be stored are Australia, the United States, and the European Union. If you'd like the current list of providers and jurisdictions, email us at hello@ipridesolutions.com.au.

12. Your rights

You have the right to:

• Access the personal information we hold about you. We will respond within 30 days, in most cases at no charge.
• Correct information that is inaccurate, out of date, incomplete, or misleading.
• Request deletion of your personal information, subject to clause 3.6 and our legal record-keeping obligations.
• Withdraw consent for marketing communications at any time.
• Lodge a complaint with us, and if you are not satisfied with our response, with the Office of the Australian Information Commissioner (OAIC).

13. How to make a request or complaint

Send your request or complaint in writing to:

Privacy contact: iPride Solutions Pty Ltd
Email: hello@ipridesolutions.com.au

We will acknowledge your request within 5 business days and respond substantively within 30 days. If you are not satisfied with our response, you can contact the OAIC at oaic.gov.au or 1300 363 992.

14. Changes to this policy

We may update this policy as our practice evolves and as the law changes. The current version will always be on this page, with the "Last updated" date at the top. Material changes will be flagged in the newsletter and by direct email to active clients.