CrediGo ("we", "us", "our") is committed to protecting your privacy in accordance with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose, and store your personal information.

We may collect the following types of personal information:

• Account information: Name, email address, phone number, password (hashed)
• Financial information: Income, expenses, assets, liabilities, property details — as voluntarily entered into our calculators and dashboard
• Usage data: Pages visited, calculator usage, feature interactions, device type, browser type
• Deal Room data: Service requests, descriptions, budgets, professional preferences
• AI conversation data: Questions and messages sent to our AI assistant

We use your personal information to:

• Provide and improve our calculator tools and AI features
• Match you with relevant mortgage brokers and professionals via Deal Rooms
• Send account-related notifications (verification, password reset, deal room updates)
• Personalise your dashboard and financial insights
• Analyse aggregate usage patterns to improve our platform
• Comply with legal obligations

We share your personal information only in these circumstances:

• With professionals you choose: When you create a Deal Room, the details you provide are shared with licensed professionals who express interest in assisting you.
• Service providers: We use third-party services for hosting, email delivery, analytics, and error monitoring. These providers are bound by confidentiality obligations.
• Legal requirements: We may disclose information when required by Australian law or regulation.

We do not sell your personal information to third parties. We do not share your financial data with advertisers.

• Your data is stored on secure servers in Australia.
• Passwords are hashed using bcrypt — we never store plain-text passwords.
• API communication uses TLS encryption.
• We implement access controls, rate limiting, and monitoring to protect your data.
• Financial data entered into calculators is stored in your account only if you choose to save results.

We use essential cookies for authentication and session management. We may use analytics services (such as Google Analytics) to understand how our platform is used. Analytics data is aggregated and does not identify individuals.

You can control cookie preferences through your browser settings. Disabling cookies may affect some functionality.

Under Australian privacy law, you have the right to:

• Access the personal information we hold about you
• Correct any inaccurate or outdated information
• Request deletion of your account and associated data
• Withdraw consent for marketing communications at any time
• Complain to the Office of the Australian Information Commissioner (OAIC) if you believe we have breached the APPs

To exercise any of these rights, contact us at privacy@credigo.com.au

We retain your personal information for as long as your account is active or as needed to provide services. If you delete your account, we will delete your personal data within 30 days, except where retention is required by law.

CrediGo is not intended for use by individuals under 18 years of age. We do not knowingly collect personal information from children.

We may update this privacy policy from time to time. We will notify registered users of material changes via email. The "Last updated" date at the top of this page indicates when the policy was last revised.

If you have questions about this privacy policy or how we handle your data:

• Email: privacy@credigo.com.au
• Complaints: Office of the Australian Information Commissioner — www.oaic.gov.au