Privacy Policy
Last updated: 9 October 2026
1. About this policy
This policy describes how Ascent Money handles personal information when you use our Australian financial education and savings-goal app, including the Coach. For privacy questions, requests or complaints, contact hello@ascentmoney.app. This policy should be read with our Terms of Service and Cookie Policy.
2. Information we collect
We collect the information you enter: your email and account details; name; onboarding answers about your income, pay frequency, savings, financial challenges, investing experience, side income (and whether it is included in your pay), savings intensity, motivation and time available; your optional ‘My why’ text and invitation dismissal; your savings goals and entries (including goal names, dates and notes), plan starting balance and tracking date; your payday date, payday check-ins (pay date, saved or skipped answer, amount and timestamp), current and best pay streaks and reset-notice state; payday reminder settings (email, pay frequency, next reminder date); actions; lesson completions; Coach messages and replies, and request timestamps used to enforce its rolling message limit; and any reports you make about Coach replies (the reply, reason and optional comments). We also record when you accepted the disclaimer. Our hosting provider records aggregate website analytics (such as page views, referring site, device type and approximate country) without advertising cookies. Information about your use of the service, such as IP address, browser or device details, request timestamps and errors, may be processed by the services that run and protect the app. If you contact support, we receive your message and contact details.
3. Sign-in and information to avoid sharing
Email/password sign-in is managed by our authentication service. If you choose Google sign-in, account information is supplied through that provider to authenticate you. Ascent Money does not connect to your bank or move money; savings figures are entered by you. Do not put passwords, payment-card details, bank login credentials, tax file numbers, identity documents or other highly sensitive information in notes, ‘My why’ or Coach messages. You can use the core savings and learning features without using the Coach.
4. How we use information
We use your information to create and secure your account, save your plan and progress, calculate savings estimates, personalise education and starter actions, answer Coach questions, send account-related emails, respond to support requests, diagnose problems and prevent misuse. Savings projections use the figures you provide and are not forecasts of investment returns. We do not use the Coach to provide personal financial advice.
5. Coach and AI processing
The Coach uses Anthropic Claude through Lovable’s AI Gateway. When you send a message, recent conversation text and relevant profile and plan information are sent through this service to generate a reply. This can include your name, onboarding answers, income, savings and goal. Messages and replies are saved to your account so your conversation can continue. If you report a Coach reply, we store the reply and your report so we can review it and improve safety. AI replies can be inaccurate. The AI services also handle request data under their applicable terms and privacy policies; we do not promise that processing is confined to Australia or that providers retain no data. Contact us if you need further information before using the Coach.
6. Service providers and disclosures
Lovable Cloud provides account and data services; Lovable’s AI Gateway and Anthropic provide Coach processing. Hosting, authentication, account-email delivery and diagnostic services process information needed to operate the app. Google processes requests when you choose its sign-in option; loading the app’s Google Fonts also involves requests to Google. External resources you open have their own privacy practices. We may disclose information where required by law or reasonably necessary to protect rights, safety or service security. We do not sell your personal information.
7. Overseas disclosure
Some personal information is disclosed to, stored or processed by service providers outside Australia. Coach messages, together with the profile and plan details used to answer them, are sent through Lovable’s AI Gateway to Anthropic, which processes them in the United States to generate replies. Our database (account, profile, plan, savings, actions, lesson progress, reminders, Coach history and reports) is hosted in India (Mumbai). The app is served through a global content-delivery network, so requests may be handled at data centres in or near your region, including outside Australia. Account emails are sent through our email-delivery provider, which may process your email address overseas. We consider privacy and security when choosing providers, but cannot guarantee that information stays in Australia. Questions about overseas handling can be sent to hello@ascentmoney.app.
8. Security
Account access controls and user-scoped data permissions are used to restrict access to personal records. Keep your login secure and sign out on shared devices. No online service is completely secure, so we cannot guarantee absolute protection. If a data breach occurs, we will assess it and make notifications where required by applicable law.
9. Retention and account deletion
Your account information, savings records, actions, lesson progress and Coach conversation are kept while your account is active unless you remove records through the app. Settings → Delete my account removes your login, payday reminder settings, Coach reports and these personal records from the active app database. This is permanent and does not delete the shared learning curriculum. We back up our database daily. Deleted data may remain in our backups for up to 14 days before it is permanently removed. Copies in security logs or records needed to meet legal obligations may remain for their applicable retention periods. Contact us for retention questions.
10. Access, correction and other choices
You can edit your name and plan, re-take onboarding, and edit or delete savings entries in the app. You can delete your account in Settings. For privacy questions, access, correction or deletion requests, email hello@ascentmoney.app. Deletion requests must come from the email address on your account. We may need to verify your identity before releasing or changing information. We will respond within a reasonable period and explain any lawful reason we cannot fulfil a request. Browser storage choices are described in the Cookie Policy.
11. Privacy complaints
Please send your complaint to hello@ascentmoney.app, including what happened and the outcome you seek. We will acknowledge it and work to respond within 30 days; if more time is needed we will explain why. If you are dissatisfied, you can contact the Office of the Australian Information Commissioner (OAIC) to ask about your options and whether it can consider your complaint.
12. Policy changes
We may update this policy as the app or our practices change. The updated date identifies the current version. We will provide notice of material changes through the app or an account email where appropriate.