Privacy Policy - WV-App

Last updated: 30 December 2025

1. Overview

This Privacy Policy explains how WV-App (we, us, our) collects, uses, and discloses personal information when you use our website and application (the Service).

We are committed to protecting your privacy and handling personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

2. Personal information we collect

We may collect the following types of personal information:

Account information: name, email address, password (stored in encrypted form), and any profile details you choose to provide.
Financial data: information about accounts you connect or upload, such as institution names, account identifiers, balances, holdings, transactions, and currency information.
Usage and device data: IP address, browser type, device type, operating system, pages viewed, time spent, and other diagnostic data.
Cookies and analytics data: information collected through cookies and similar technologies to understand how the Service is used and to improve performance.
Support and communication: information you provide when you contact us, such as support requests, feedback, or survey responses.

We generally collect personal information directly from you, but may also receive data from third-party account aggregators or financial institutions that you authorise us to connect to.

3. How we use personal information

We use personal information for the following purposes:

To create and manage your account and provide the Service.
To retrieve, store, and display your financial data so you can view your accounts and investments in one place.
To analyse your data and provide insights, summaries, and visualisations within the Service.
To operate, maintain, protect, and improve the Service, including monitoring usage and troubleshooting issues.
To communicate with you about the Service, including important notices, updates, and security alerts.
To respond to your questions, requests, and feedback.
To comply with legal obligations and enforce our Terms of Use.
With your consent, for any other purpose that we disclose to you at the time of collection.

4. Legal basis

If we process personal data of individuals in the European Union or United Kingdom, we rely on one or more of the following legal bases:

Performance of a contract (to provide the Service).
Compliance with legal obligations.
Our legitimate interests (for example, to improve the Service and ensure security), provided they are not overridden by your rights.
Your consent, where required (for example, certain analytics or marketing activities).

5. Cookies and analytics

We use cookies and similar technologies to operate and improve the Service, remember your preferences, and understand how users interact with the Service.
We may use first-party cookies (set by us) and third-party cookies (set by analytics providers) to collect usage statistics and performance data.

Types of cookies we may use include:

Essential cookies: required for the Service to function (for example, to keep you logged in).
Analytics cookies: help us understand how the Service is used (for example, pages visited, time on page) so we can improve it.
Preference cookies: remember your settings and choices.

You can manage cookies through your browser settings, including blocking or deleting cookies. If you disable certain cookies, some features of the Service may not work properly.

For more detail, see our separate Cookie Policy.

We may share personal information with:

Service providers: third parties who help us operate and support the Service (for example, hosting providers, cloud infrastructure, analytics providers, email and support tools, and - where applicable - account aggregation services).
Professional advisers: lawyers, auditors, and other advisers where reasonably necessary.
Authorities: law enforcement, regulators, or government authorities where required by law, court order, or to protect our legal rights.
Related entities or buyers: in connection with a merger, acquisition, or sale of all or part of our business, subject to appropriate confidentiality protections.

We do not sell your personal information.

7. International transfers

Our Service and third-party providers may be located or store data outside Australia. This means your personal information may be transferred to and processed in other countries that may have different data protection laws.

Where we transfer personal information outside Australia, we take reasonable steps to ensure that the recipient will protect your information in a manner consistent with this Privacy Policy and applicable law.

8. Data security

We take reasonable steps to protect personal information from misuse, interference, and loss, and from unauthorised access, modification, or disclosure. These steps may include:

Encryption in transit and at rest (where appropriate).
Access controls and authentication measures.
Regular monitoring and technical safeguards.

However, no method of transmission or storage is completely secure. You are responsible for maintaining the confidentiality of your login details and for choosing a strong, unique password.

9. Data retention

We retain personal information for as long as necessary to provide the Service and for legitimate business or legal purposes, including:

To comply with legal, tax, or accounting obligations.
To resolve disputes and enforce our agreements.

When personal information is no longer needed, we will take reasonable steps to de-identify or securely destroy it.

10. Your rights

Depending on where you live, you may have rights in relation to your personal information, including:

Access: to request a copy of the personal information we hold about you.
Correction: to request that we correct inaccurate or incomplete information.
Deletion: to request that we delete certain personal information, subject to legal requirements.
Restriction or objection: to object to or request restriction of certain processing.
Data portability: to request a copy of your personal information in a structured, commonly used format (where technically feasible).

To exercise these rights, contact us using the details below. We may need to verify your identity before processing your request. If you are not satisfied with our response, you may be able to lodge a complaint with your local privacy regulator (for Australia, the Office of the Australian Information Commissioner).

11. Third-party links and services

The Service may contain links to third-party websites or services. We are not responsible for the privacy practices of third parties. You should review the privacy policies of any third-party services that you access.

12. Children

The Service is not intended for children under 18, and we do not knowingly collect personal information from children under 18. If you believe a child has provided personal information to us, please contact us so we can delete it.

13. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top indicates when it was last revised. Changes take effect when we post the updated policy on the Service. Where appropriate, we will notify you of significant changes.

14. Contact us

WV-App Pty Ltd

Email: info@wv-app.com

Address: 3 Bettina Close, Lansdowne, WC 7780, South Africa