MoneyBrilliant believes you should have complete control over your money and your online identity. The information MoneyBrilliant collects from you or about your use of the MoneyBrilliant Service is dependent on how you access and use the features we offer.
Information from Visitors to MoneyBrilliant
If you are a visitor to MoneyBrilliant, we do not collect personal or sensitive information from or about you from the unsecure areas of the MoneyBrilliant website. If you are a visitor who does not log in to the MoneyBrilliant Service with a username and password, you therefore remain anonymous.
Information from Users of the MoneyBrilliant Service
In order to access the secure, password protected features of the MoneyBrilliant Service, such as functionality to optimise your banking structure and manage your spending more wisely, you will need to register an account with MoneyBrilliant, either through the MoneyBrilliant website or a MoneyBrilliant mobile application. When you do, you will be asked to provide:
- an email address
- basic personal information (first and last name, date of birth and gender)
- personal information about your situation (income range, occupation, family structure and location)
- your account credentials required to log in to various third party accounts (“Account Credentials”)
To use the MoneyBrilliant service we always require an email address and basic personal information including your first name, last name, date of birth and gender. We use this information to identify your account and configure the MoneyBrilliant service for your use.
You can tell us as much or as little as you like about your situation and your account credentials. However, the more you tell us the more we can help you. If you choose not to provide some information you may be unable to use some of the features we offer.
Other personal information we collect from you will depend on what information you choose to disclose to us and how you use the MoneyBrilliant Services. Other personal information that we may collect from you includes, credit card details, (for payment purposes only) and mobile phone number.
You consent to our use of your Account Credentials, as your authorised agent for the purpose of accessing your Account Information from third party financial institutions (e.g., banks, mortgage brokers, and superannuation funds) in order to provide you with the services you access through MoneyBrilliant. This collection is made on our behalf through an account aggregation service provider, currently Yodlee, Inc. Further information about this process can be found below.
You acknowledge that when we use your Account Credentials we can access your Account Information with third party financial institutions on your behalf and in doing so you may not be in compliance with the terms and conditions of your financial institution.