The short version
- Earl can see your accounts. It can never move your money.
- We never sell your data, and we don't show ads.
- Your data is stored in Australia.
- Disconnect a bank, or delete your account, and its data is deleted.
What we collect
[Names and emails of household members; children's first names and ages only; waitlist emails and consent; what's needed to run the service.]
Bank data and Open Banking
[Collected under the Consumer Data Right through our accredited provider, with your consent on your bank's own page; which data, for how long, and deletion when consent ends, as the CDR rules require.]
How we use it
[To plan your budget, forecast cash flow and answer your questions in chat. AI processing: what's sent, to whom, and that it isn't used to train models.]
Who we share it with
[Service providers only: hosting (Supabase, Sydney), Open Banking (Basiq), email (Resend), payments (Stripe), AI (Anthropic). Never sold.]
Where it's kept
[Australia, with any overseas processing named and explained.]
Your choices
[Access, correction, deletion, unsubscribing, disconnecting banks, closing your account.]
Contact and complaints
[info@earlmoney.com.au; escalation to the OAIC and, for CDR matters, AFCA.]