Privacy Policy

This Privacy Policy explains how BraindAI Pty Ltd (ABN 61 701 238 968) (we, us, our) handles personal information in connection with the Mortgage Mind AU app (the App). We handle personal information in line with the Australian Privacy Principles (APPs) in the Privacy Act 1988 (Cth).

• Your calculations stay on your device. Loan amounts, incomes, expenses, savings and other figures you enter are calculated and stored on your phone or tablet. We never receive them.
• No account, no tracking. The App has no sign-up or login, and contains no analytics, advertising or tracking tools. It does not access your location, contacts or photos.
• We only receive what you choose to send. If you send feedback or a partner inquiry, we receive what you type into that form.
• Purchases are anonymous to us. Payments are handled by Apple or Google. Our subscription provider, RevenueCat, uses an anonymous ID to confirm what you have paid for.
• We do not sell your information and do not share it with banks, lenders or brokers.

To make the App work and remember your settings between sessions, the App stores the following in its local storage on your device:

• the figures and options you enter in each calculator (for example loan amount, interest rate, term, income, savings, property price and state);
• your selected state for sponsor display, your daily export count, and a cached record of your current plan;
• if you use Broker Edition, the broker profile you enter: name, firm name, phone, email, licence number, tagline and logo web address; and
• a count of how many times the App has been opened, used to decide when to show the store rating prompt.

This information is not sent to us. It is protected by your device's own security, such as your passcode, and is deleted when you delete the App. The App's local storage is not separately encrypted by us.

PDF reports are created on your device. When you share or email a report, it goes to the app, service or person you choose, and is handled under their terms and privacy practices. We do not receive copies of your reports.

If you add a logo web address to your broker profile, the App downloads the logo from that address when it creates a report. The website hosting your logo may see your device's IP address, as with any image loaded from the internet.

We collect personal information only when you choose to send it to us:

Forms sent from the App are delivered through a Google Apps Script web service into a Google Sheet that we operate, and we are notified by email. If a form cannot be sent, the App instead opens a draft email in your email app, which you can choose to send. That email is then handled by your email provider and ours.

Please do not include detailed personal financial information in feedback or inquiries.

To show current sponsor banners on Free plan reports, the App downloads the current sponsor list from our Google Apps Script web service. The App does not send your calculations, selected state or any personal information in this request. As with any internet request, Google, as the host, receives standard technical information such as your IP address. We do not share your information with sponsors.

• Payments. All payments are processed by Apple (App Store) or Google (Google Play). We never receive your card, bank or billing details.
• RevenueCat. We use RevenueCat, Inc. to manage subscriptions. When you start a trial, subscribe, renew or restore purchases, RevenueCat receives an anonymous App user ID created by the App, purchase and transaction details from Apple or Google (such as the plan, price, currency, store country, purchase and renewal dates, and trial or refund status), and technical information such as device type, operating system and App version. RevenueCat may also process your IP address. This is used to confirm which features you can access, restore purchases on your devices, and give us aggregated and per-ID subscription reporting. RevenueCat does not receive your calculation data, and we cannot identify you by name from it.
• Apple and Google also notify RevenueCat directly about renewals, cancellations and refunds so that access stays accurate.
• Apple's and Google's privacy policies apply to their handling of your purchase information.

From time to time the App may ask Apple or Google to show their built-in prompt for rating the App. Ratings and reviews are submitted to and handled by Apple or Google, not us.

Some of our service providers store or process information outside Australia, mainly in the United States:

• RevenueCat, Inc. (United States): subscription management;
• Google LLC (United States and Google's global data centres): Google Apps Script and Google Sheets for forms and the sponsor list, and Google Play; and
• Apple Inc. (United States): App Store purchases and ratings.

Our email and business software providers may also store information outside Australia. We use established providers that publish their own privacy and security commitments, and we take reasonable steps to make sure they handle personal information consistently with the APPs.

You can ask us to delete information you sent us earlier, subject to any legal obligation to keep it.

We use reputable service providers, restrict access to the information we hold to people who need it, and use secure connections (HTTPS) for information sent from the App. No method of storage or transmission is completely secure, so we cannot guarantee absolute security. Because your calculations stay on your device, keeping your device secure with a passcode is the best protection for them.

The App is intended for adults. It is not directed at children under 16, and we do not knowingly collect personal information from children. If you believe a child has sent us personal information, please contact us and we will delete it.

You can ask to access or correct the personal information we hold about you, or ask us to delete it, by emailing apps@braindai.com. We will respond within 30 days and will not charge you for making a request. We may need to confirm your identity before acting on it. Because your calculations are stored only on your device, we do not hold them and cannot access or delete them for you. You can delete them by clearing the calculators or deleting the App.

If you have a concern about how we have handled your personal information, please contact us first at apps@braindai.com. We will acknowledge your complaint within 7 days and aim to give you a written response within 30 days.

If you are not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC):

• Website: https://www.oaic.gov.au
• Phone: 1300 363 992
• Email: enquiries@oaic.gov.au
• Post: GPO Box 5288, Sydney NSW 2001

We may update this policy when the App or the law changes. The current version is always available at braindai.com/mortgagemind/privacy, with the "Last updated" date at the top. If we make a significant change, we will take reasonable steps to let you know, for example in the App.