Privacy Policy

Privacy Policy ABN 38 693 023 371 Last Updated: January 14, 2026 This Privacy Policy explains how AI CAPITAL HOLDINGS PTY LTD, ABN 38 693 023 371, trading as MyAiBank ("we", "us", "our"), collects, uses, stores, and protects your personal information. We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). By using MyAiBank.ai/MyAiBank.com or any related services ("Services"), you agree to the practices described in this Privacy Policy. 1. Information We Collect 1.1 Personal Information We may collect: • Name • Email address • Contact details • Account login information • Subscription and billing information (via Stripe) 1.2 Financial Information If you choose to link your bank accounts through a secure third-party open banking provider (such as Fiskil), we may receive: • Transaction histories • Account balances • Merchant details • Income and spending metadata We do NOT collect or store your banking login credentials. 1.3 Usage Data We automatically collect: • IP address • Browser type • Device information • Pages visited • Click behaviour • Session duration • Analytics data (via GA4) 1.4 Cookies We use cookies for: • Authentication • Analytics • User experience improvements You may disable cookies, but certain features may not function correctly. 2. How We Collect Information We collect information through: • Account registration • Connecting your financial accounts • Payment processing • Email newsletter sign-up • Customer support interactions • Browser cookies and analytics tools 3. How We Use Your Information We use your information to: • Provide and operate MyAiBank • Deliver AI-generated financial insights • Personalise your dashboard • Detect spending categories and subscriptions • Process payments and manage subscriptions • Communicate updates, service changes, or support messages • Ensure platform security and performance • Improve features and user experience We do NOT sell your personal information. 4. Sharing Your Information We may share your information with trusted third parties essential to our operations, including: • Open banking provider (Fiskil) • Payment processor (Stripe) • Email service provider • Analytics tools (GA4) • Cloud hosting providers 5. Data Security We take reasonable steps to protect your personal information from unauthorised access, misuse, loss, modification, disclosure, including encryption, secure hosting, authentication controls, and monitoring. 6. Overseas Storage Some service providers may store info outside Australia; they must meet standards consistent with Australian law. 7. Access and Correction Request a copy/corrections/deletion via privacy@myaibank.ai. 8. Data Retention We retain info only as long as needed for service delivery, compliance, accounting/audit, disputes. 9. Children Not intended for users under 16. We do not knowingly collect info from minors. 10. Changes We may update this policy; post updates with a new "Last Updated" date. 11. Contact privacy@myaibank.ai Trading Name: MyAiBank Legal Entity: AI CAPITAL HOLDINGS PTY LTD ABN: 38 693 023 371