Privacy Policy

1. Introduction

ProjectFi is an Australian financial independence planning tool that helps you estimate when you might be able to retire based on figures you provide — things like income, expenses, savings, and superannuation. We're based in the Australian Capital Territory, Australia, and we're committed to handling your personal information with care and transparency.

This Privacy Policy explains what information we collect, how we use it, and your rights under Australian privacy law. We've written it in plain English because we believe you deserve to actually understand it.

By using ProjectFi, you agree to the collection and use of information as described in this policy.

2. Information We Collect

We collect only what we need to provide the service. Here's what that looks like:

Information you give us directly

• Account information: Your name and email address when you sign up.
• Financial estimates: Figures you enter into ProjectFi, such as estimated income, expenses, savings, superannuation balance, and other planning inputs.

Important: ProjectFi does not connect to your bank or any financial institution. We do not collect real transaction data, account balances, or any information directly from your financial accounts. Everything you enter is a manual estimate provided by you.

Information we collect automatically

• Usage data: Basic information about how you use the service (e.g. pages visited, features used) to help us improve the product. This does not include your financial estimates.
• Technical data: IP address, browser type, and device information for security and performance purposes.

3. How We Use Your Information

We use your information to:

• Provide the service — run your projections, save your data between sessions, and power your account.
• Improve the product — understand how people use ProjectFi so we can make it better.
• Communicate with you — send important service updates, security notices, or (if you opt in) product news.
• Process payments — if you subscribe to a Pro plan, we use Stripe to handle billing (see Section 5).

We do not sell your data. We do not share your personal information with advertisers or data brokers. Full stop.

4. Data Storage and Security

Your data is stored securely using industry-standard practices:

• Database: Your data is stored in Supabase, a managed PostgreSQL database platform. We use row-level security (RLS), which means your data is isolated from other users at the database level — only you can access your records.
• Encryption: All data is encrypted in transit (via HTTPS/TLS) and at rest. Your financial estimates are never transmitted or stored in plain text.
• Hosting: ProjectFi is hosted on Vercel, a global content delivery network (CDN) with enterprise-grade security.

While we take security seriously and use best-practice tools, no system is completely immune to risk. We encourage you to use a strong, unique password for your account.

5. Third-Party Services

We use a small number of trusted third-party services to run ProjectFi:

Each of these providers has their own privacy policies and security practices. We choose them carefully and only share the minimum information needed for them to perform their function. We do not authorise them to use your data for any other purpose.

6. Data Retention

We keep your data for as long as your account is active.

If you delete your account, your personal information and financial estimates will be removed from our systems. You can delete your account at any time from the Settings page within ProjectFi.

We may retain minimal records (such as billing history) where required by law or for legitimate business purposes (e.g. resolving disputes), but these will not include your financial planning data.

7. Your Rights Under Australian Privacy Law

ProjectFi is committed to complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

You have the right to:

• Access your personal information — you can request a copy of what we hold about you.
• Correct your information — if something is inaccurate or out of date, you can ask us to fix it (or update it directly in your account).
• Delete your information — you can delete your account and associated data at any time via Settings.
• Make a complaint — if you believe we've mishandled your personal information, please contact us first. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

To exercise any of these rights, contact us at support@projectfi.com.au.

8. Cookies

ProjectFi uses a minimal number of cookies — only what's necessary to keep you logged in and the service running.

• Session/authentication cookies: Used to maintain your login session. These are essential for the service to work.
• No tracking cookies: We do not use advertising cookies, third-party tracking pixels, or analytics cookies that follow you across the web.

You can disable cookies in your browser settings, but this will prevent you from logging in to ProjectFi.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we'll update the "Last updated" date at the top of this page and, for significant changes, notify you via email or an in-app message.

We encourage you to review this policy periodically. Your continued use of ProjectFi after any changes constitutes acceptance of the updated policy.

10. Contact Information

If you have any questions about this Privacy Policy or how we handle your data, please get in touch: