Privacy Policy – Campbell Cashflow

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Effective Date: 12/08/2025

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Campbell Cashflow ("we", "us", "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

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1. What Information We Collect

We may collect personal information that is reasonably necessary for our business functions, including:

• Your name, address, date of birth, and contact details

• Financial information such as income, expenses, debts, and goals

• Bank transaction data (via MoneySoft) with your consent

• Any other information you choose to provide in communications with us

2. How We Collect Your Information

We collect personal information in several ways, including:

• Directly from you (in person, by phone, email, online forms, or via our website)

• Through secure third-party tools, such as MoneySoft, that you authorise

• From publicly available sources, where permitted by law

3. Why We Collect and Use Your Information

We collect, hold, and use your personal information for purposes including:

• Providing cashflow coaching and financial education services

• Setting up and maintaining your MoneySoft account

• Communicating with you about your goals, progress, and appointments

• Managing our business operations and improving services

• Meeting legal and regulatory requirements

4. Disclosure of Your Information

We may disclose your personal information:

• To service providers, such as MoneySoft, for the purposes of delivering our services

• To our professional advisers (accountants, legal advisers) where necessary

• Where required or authorised by law
  We will not sell your personal information to any third party.

5. Storage and Security

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure.
Your information may be stored electronically in secure systems hosted in Australia or overseas, subject to strict confidentiality agreements.

6. Access and Correction

You have the right to request access to the personal information we hold about you and to request corrections if you believe it is inaccurate, out-of-date, incomplete, or misleading. Requests can be made in writing using the contact details below.

7. Overseas Disclosure

Some third-party services we use (such as cloud hosting providers) may store data in servers located overseas. Where this occurs, we take reasonable steps to ensure those providers comply with Australian privacy requirements.

8. Website and Cookies

Our website may use cookies to improve functionality and user experience. You can choose to disable cookies via your browser settings, though this may limit your use of some features.

9. Complaints

If you believe your privacy has been breached, please contact us using the details below. We will investigate and respond to your complaint in accordance with the Privacy Act. If you are not satisfied, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

10. Contact Us

Peter Campbell
Campbell Cashflow
Email: peter@campbellcashflow.com
Phone: 0451 300 064