Privacy policy

1. Overview

YAFA (“Yet Another FIRE App”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal and financial information.

2. Information we collect

Account information

• Email address
• Name (optional)
• Password (stored securely hashed)

Financial information you provide

• Income sources and amounts
• Expenses and categories
• Assets and their values
• Liabilities and loan details
• Superannuation balances and contributions
• Personal details like age and retirement goals

Usage data

• Pages visited and features used
• Strategy runs and projections generated
• AI assistant conversations
• Device and browser information

3. How we use your information

We use your information to:

• Provide the YAFA service and financial calculations
• Generate personalised wealth projections
• Power AI-assisted educational explanations
• Save your data so you can access it across sessions
• Improve and develop our service
• Send service-related communications

4. Data storage and security

Your data is stored securely in our database systems. We implement industry-standard security measures including:

• Encryption of data in transit (HTTPS)
• Secure password hashing
• Access controls and authentication
• Regular security reviews

Financial data you enter is stored in our database and is associated with your account. This data is used solely to provide you with the YAFA service.

5. AI and third-party services

YAFA uses AI services to provide educational analysis. When you use AI features:

• Your financial data may be sent to AI providers to generate responses
• We use AI providers with appropriate data handling practices
• AI conversations may be stored to provide conversation history

We also use:

• Google Analytics for website analytics (anonymised data)
• Email services for account notifications

6. Data sharing

We do not sell your personal or financial information. We may share data only:

• With service providers necessary to operate YAFA (e.g., hosting, AI services)
• When required by law or legal process
• To protect our rights or prevent fraud
• With your explicit consent

7. Your rights

You have the right to:

• Access the personal data we hold about you
• Correct inaccurate data
• Delete your account and associated data
• Export your data
• Withdraw consent for data processing

To exercise these rights, contact us at support@yafapp.com.au

8. Data retention

We retain your data for as long as your account is active. If you delete your account, we will delete your personal and financial data within 30 days, except where we are required to retain it for legal purposes.

9. Cookies

We use cookies and similar technologies to:

• Keep you logged in
• Remember your preferences
• Analyse how our service is used

You can control cookies through your browser settings.

10. Children's privacy

YAFA is not intended for users under 18 years of age. We do not knowingly collect data from children.

11. Changes to this policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by email or through the service.

12. Contact

If you have questions about this Privacy Policy or how we handle your data, please contact us at support@yafapp.com.au