Effective Date: Feb 2026
Entity: Credit101 Pty Ltd (“Credit101”, “we”, “us”, “our”)
Website: www.credit101.com.au

Credit101 provides budgeting tools and financial behaviour insights through its mobile application and website (“Service”). This Privacy Policy explains how we collect, use, store and protect your information.

We comply with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles.

1. Information We Collect

We collect information you provide directly and information generated through use of the Service.

Personal Information

Name
Email address
Account login credentials

Financial Information (If You Choose to Upload)

Bank statements
Transaction data
Credit report information
Income and expense details

Uploading financial documents is optional.

Usage & Device Information

Device type
Operating system
App interaction data
Diagnostic and crash logs

We do not knowingly collect information from children under 18.

2. How We Use Information

We use information to:

Provide budgeting and financial behaviour insights
Generate reports and personalised recommendations
Improve application functionality
Provide customer support
Comply with legal obligations

We do not sell personal information.

We do not provide credit or lending services within the mobile application.

3. Data Storage & Security

We use secure cloud infrastructure and encrypted data transmission (HTTPS). Access to data is restricted to authorised personnel.

While reasonable safeguards are implemented, no electronic system is completely secure.

4. Disclosure of Information

We may share information with:

Cloud hosting providers
Technology service providers
Legal authorities where required

We do not share financial data for marketing purposes.

5. Data Retention & Deletion

We retain data only as long as reasonably necessary to provide the Service or comply with legal obligations.

You may request deletion of your account and associated data by contacting:
credit.101.au@gmail.com

6. International Processing

Some service providers may process data outside Australia. Where this occurs, reasonable safeguards are applied

7. Contact

For privacy enquiries:
Website: www.credit101.com.au

Credit & Financial Information Disclaimer

Credit101 provides budgeting tools and financial behaviour insights only.

Credit101 does not provide financial product advice, credit assistance, or lending services through the mobile application.

Any insights, scoring indicators, or behavioural assessments generated within the app are informational in nature and should not be relied upon as financial advice.

Users should seek independent financial or credit advice before making financial decisions.

If Credit101 Pty Ltd or any related entity holds an Australian Credit Licence (ACL), credit assistance is provided separately under regulated processes and formal agreements outside of this application.

Use of this app does not constitute a loan application.

This language is important because Apple scrutinises finance apps heavily.

Terms & Conditions

Effective Date: Feb 2026

By using the Credit101 mobile application or website (“Service”), you agree to these Terms.

1. Nature of Service

Credit101 provides digital budgeting tools and financial behaviour insights.

The Service does not provide financial product advice, legal advice, tax advice, or lending services.

2. No Guarantee

Credit101 does not guarantee:

Credit approval
Credit score improvement
Loan eligibility outcomes
Financial results

All insights are general in nature.

3. User Responsibility

You are responsible for:

Accuracy of uploaded documents
Keeping login credentials secure
Decisions made using information from the app

4. Intellectual Property

All app content, design, software and branding remain property of Credit101 Pty Ltd.

5. Limitation of Liability

To the maximum extent permitted by law, Credit101 is not liable for:

Financial decisions made using the Service
Loss arising from reliance on app insights
Technical interruptions

6. Account Termination

We may suspend or terminate accounts for misuse or breach of these Terms.

7. Governing Law

These Terms are governed by the laws of Australia.