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Privacy Policy

Version 2.0 - Last Updated: August 6, 2025

Thank you for using FamLoan ("we," "us," or "our"). This Privacy Policy explains how FamLoan Pty Ltd, an Australian company registered in Victoria, collects, uses, shares, and protects your information when you use our family loan management software and services ("Service").

1. Definitions

  • Personal Information: Information that identifies you or could reasonably be used to identify you.
  • Service: The FamLoan website, software, and related tools.
  • User Data: Information you provide or that is generated when you use the Service.
  • Technical Data: Information collected automatically from your browser or device.

2. Information We Collect

2.1 Information You Provide

When you create an account and use our Service, we collect:

  • Account Information: Your name and email address.
  • Loan Data: Details about the loans you create and manage, including amounts, terms, and participant information.
  • Transaction Data: Records of payments and other transactions related to the loans you track.
  • Communications: Any information you send to us directly, such as for customer support.

2.2 Information from Third Parties

  • Payment Information: If you subscribe to paid features, our payment processor (e.g., Stripe) may provide us with transaction details, but we do not store your full credit card information.

2.3 Advertising Data

Through platforms like Meta (Facebook), we may collect:

  • Basic contact information you provide in lead forms.
  • Information about your interaction with our advertisements.
  • Anonymized demographic data provided by the advertising platform.

2.4 Technical Data

Our website automatically collects:

  • Your IP address and approximate location (country/region level).
  • Your browser type and operating system.
  • Usage analytics via Posthog, including pages visited, features used, and interaction patterns.
  • Cookie data for essential website functions and analytics.

3. How We Use Your Information

3.1 To Provide and Improve the Service

We use your information to:

  • Create and maintain your account.
  • Enable you to create, manage, and track loans.
  • Process transactions and generate schedules.
  • Personalize your experience.
  • Analyze usage to improve our features, usability, and performance.

3.2 Communication

We may contact you to:

  • Send important service-related notifications (e.g., password resets, policy updates).
  • Provide customer support.
  • Share product updates or promotional offers you have opted into.

4. Data Storage and Processing

4.1 Data Location

  • Our servers are hosted in the United States.
  • Our company operations are based in Victoria, Australia.
  • We use global content delivery networks for website performance.
  • Backups are stored securely in the United States.

4.2 Data Security

We protect your information through:

  • Industry-standard encryption for data in transit and at rest.
  • Regular security audits and vulnerability testing.
  • Strict access controls and authentication requirements.

5. Data Sharing and Disclosure

5.1 Third-Party Services

We work with:

  • Posthog: for privacy-focused analytics.
  • Meta (Facebook): for advertising.
  • Stripe: for payment processing.
  • Amazon Web Services (AWS): for hosting and infrastructure.
  • Email providers: for communication. All providers are bound by strict data protection agreements.

5.2 No Sale of Personal Information

We do not sell, rent, or trade your personal information with any third parties for their marketing or commercial purposes. Your data is used exclusively to provide and improve the FamLoan Service.

5.3 Legal Requirements

We may disclose information:

  • In response to valid legal requests from authorities.
  • To protect our rights, privacy, safety, or property.
  • To detect and prevent fraud or security issues.
  • In connection with a business merger, sale, or acquisition.

6. Your Rights and Choices

6.1 Your Rights

You have the right to:

  • Access and review your personal information.
  • Correct any inaccurate data.
  • Request deletion of your account and associated data.
  • Opt-out of non-essential communications.

6.2 Data Retention

  • We retain your account and loan data as long as your account is active to provide the Service.
  • After account deletion, data is removed in accordance with our data lifecycle policies, subject to legal or regulatory retention requirements.
  • Technical data is retained for up to 90 days for security and analytics purposes.

7. International Users

While we're based in Australia:

  • We collect data from users globally.
  • Data is stored in the United States.
  • Australian privacy laws protect your data, and we comply with applicable international privacy standards.

8. Changes to This Policy

  • We regularly review and update this policy.
  • Material changes will be notified via email or within the Service.
  • Continued use of the Service indicates acceptance of the changes.

Contact Us

For privacy-related matters:

  • Company Name: FamLoan Pty Ltd
  • Location: Victoria, Australia
  • ACN: 682 729 184
  • Email: hello@famloan.co

This policy was last updated on August 6, 2025 (Version 2.0)