Privacy Policy

Last Update:

This policy was last updated on November 13, 2023.

Introduction:

Welcome to Whatsleft Holdings Limited's (trading as Usable Balance) Privacy Policy. Here, we explain how we handle your personal information with utmost care and in accordance with the law when you use our services. This document provides clarity on our data practices and informs you about your privacy rights.

Adherence to the Privacy Act 2020:

We strictly adhere to the New Zealand Privacy Act 2020 in managing personal information. This policy is designed to complement your rights under the Act. For more information on the Act and your rights, please visit www.privacy.org.nz.

Interpretation and Definitions:

Understanding the terminology used in this policy is key. Below are definitions for terms that appear throughout this document:

  • Account: Your exclusive access to our Service.
  • Affiliate: Entities related to us by ownership or control.
  • Application: Our software, known as Usable Balance.
  • Company: Refers to whatsleft Holdings Limited, also known as "We", "Us", or "Our".
  • Cookies: Small data files placed on your device to track website interactions.
  • Country: For this policy, refers to New Zealand.
  • Device: Any equipment you use to access our Service, like computers or mobile phones.
  • Personal Data: Information that identifies you or makes you identifiable.
  • Service: The range of functionalities provided by our Website and/or Application.
  • Service Provider: Third-party entities or individuals who process data on our behalf.
  • Third-Party Service: External platforms that enable you to log in or create an account to use our Service.
  • Usage Data: Information collected automatically, such as your interaction with our Service.
  • Website: Available at www.usablebalance.com.
  • You: You, the user of our Service, whether as an individual or representing an entity.

Data Sharing and Retention:

Understanding how and why we share and retain your data is crucial. Here's an overview:

  • Data Sharing: Your information might be shared with service partners, our affiliates, and as per your consent for operational and legal purposes.
  • Data Retention: Your Personal Data is kept as long as necessary for our operational purposes and to comply with legal obligations.

Your Data Rights:

You have specific rights concerning your data, including:

  • Accessing and amending your data upon request.
  • For corrections, if we agree, we'll make the changes. If not, we'll note your requested amendments.

To exercise these rights, email us at [email protected]. Note that we may charge reasonable costs for providing or correcting your information.

Types of Data Collected:

We collect different types of data to provide and enhance our service:

  • Personal Data: This may include, but is not limited to, your email address, first name, and last name, which help us in contacting or identifying you.
  • Usage Data: This is collected automatically when using our Service and may include details such as your Device's IP address, browser type, browser version, the pages of our Service that you visit, time and date of your visit, time spent on those pages, and other diagnostic data.

Information from Third-Party Services:

Our Service allows you to create an account and log in using various third-party services such as Google, Microsoft, LinkedIn, Apple, and Xero. We may collect information that is already associated with your Third-Party Service's account, such as your name and email address. You also have the option of sharing additional information with us through your Third-Party Service's account. By doing so, you give us permission to use, share, and store it in a manner consistent with this Privacy Policy.

Tracking Technologies and Cookies:

We use cookies and similar tracking technologies to monitor activity on our Service and store certain information. These technologies help improve and analyze our Service. They include:

  • Cookies or Browser Cookies: Small files placed on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. If you do not accept cookies, you may not be able to use some parts of our Service.
  • Web Beacons: Small electronic files used to track your navigation of our Service and our emails, for purposes like determining the popularity of a certain section and verifying system and server integrity.

These tracking technologies are used to collect and track information and to enhance and analyze our Service.

Use of Your Personal Data:

We utilize your Personal Data for various purposes:

  • To verify your identity and provide our Service.
  • To manage your account and monitor the usage of our Service.
  • For communication purposes, including providing updates and handling inquiries or complaints.
  • To process transactions and manage financial aspects of our service.
  • To market our products and services to you, subject to your communication preferences.
  • To protect our rights and interests and comply with legal obligations.

Retention of Your Personal Data:

We retain your Personal Data as long as necessary for the purposes outlined in this policy. This includes keeping data for compliance with legal obligations, resolving disputes, and enforcing our policies. Usage Data is generally retained for a shorter period, except when needed for security or functionality improvement, or as legally required.

Security of Your Personal Data:

We are committed to protecting your personal information, but please be aware that no internet transmission is completely secure. We take reasonable steps to ensure the safety of your data from loss or misuse.

Links to Other Websites:

Our Service may contain links to other websites not operated by us. If you click on a third-party link, you will be directed to that site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over, and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Disclosure of Your Personal Data:

In certain circumstances, we may be required to share your personal data:

  • Business Transactions: If we are involved in a merger, acquisition, or asset sale, your personal data may be transferred and become subject to a different privacy policy.
  • Law Enforcement: We may disclose your personal data if required by law or in response to valid requests by public authorities (e.g., a court or government agency).
  • Other Legal Requirements: We may disclose your personal data in the good faith belief that such action is necessary to comply with legal obligations, protect and defend our rights or property, prevent wrongdoing in connection with the Service, ensure personal safety of users of the Service or the public, and protect against legal liability.

Changes to this Privacy Policy:

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us:

If you have any questions about this Privacy Policy, you can contact us by email at [email protected].