Last updated: 7 September 2026
Money Journey (“Money Journey”, “we”, “us”, or “our”) is committed to protecting the privacy of our users and their families.
This Privacy Policy explains what information Money Journey collects, how we use it, how we protect it, and the choices available to you when you use the Money Journey website, applications, and related services.
1. Information We Collect
Money Journey is designed to collect only the information needed to provide the service.
Parent Account Information
When you create a Money Journey account, we may collect:
- Email address — used to create and identify your account, authenticate you, and communicate with you about your account and the service.
- Given name — used to personalise your Money Journey experience.
We do not require your date of birth, home address, phone number, or other unnecessary personal information to create a Money Journey account.
Child Information
Money Journey allows a parent or guardian to create profiles for children using the service.
For a child profile, we ask only for:
- Child's name
We do not require a child's date of birth, home address, phone number, email address, photograph, or other identifying information to create a child profile.
Parents and guardians are responsible for ensuring that the information they provide about their children is appropriate and that they have the necessary authority to provide that information.
2. Financial Information
Money Journey is a financial education and money-management application.
Information entered into Money Journey may include financial education information, goals, allowances, transactions, balances, savings information, and other information entered by the parent or child as part of using the service.
This information is used solely to provide the Money Journey features and functionality.
Money Journey does not collect or store your payment card number, bank account password, or online banking credentials.
Where you purchase a Money Journey subscription through the Apple App Store or Google Play, payment processing is handled by Apple or Google. Money Journey does not receive or store your full payment card details.
3. How We Use Information
We use information we collect to:
- Create and manage Money Journey accounts.
- Provide and operate Money Journey services.
- Provide parent and child features.
- Personalise the Money Journey experience.
- Authenticate users and maintain account security.
- Process and manage subscriptions through the relevant app store.
- Communicate important information about your account or the service.
- Maintain, secure, and improve Money Journey.
- Respond to support requests.
- Comply with applicable legal obligations.
We do not sell your personal information.
We do not use children's information for targeted advertising.
4. How We Share Information
We do not sell, rent, or trade your personal information.
We may use trusted service providers that help us operate Money Journey, such as providers used for:
- Authentication and account management.
- Secure hosting and storage.
- Application infrastructure.
- Subscription and in-app purchase processing.
- Email or service communications.
These providers may process information on our behalf and are expected to protect that information and use it only for the services they provide to us.
Apple and Google may independently process information in connection with purchases made through their respective app stores. Their own privacy policies and terms apply to information they process.
We may also disclose information where required by law, legal process, or to protect the rights, safety, and security of Money Journey, our users, or others.
5. Children's Privacy
Money Journey is designed to allow parents and guardians to introduce children to money management and financial education.
A parent or guardian creates and manages the child's Money Journey profile.
We intentionally minimise the information collected about children. A child profile requires only a name. We do not require a child's date of birth, email address, phone number, home address, or photograph.
We do not sell children's personal information or use children's information for targeted advertising.
Parents and guardians can contact us if they would like to review, correct, or request deletion of information associated with a child profile.
6. Data Security
We take reasonable technical and organisational measures to protect information held by Money Journey from unauthorised access, loss, misuse, alteration, or disclosure.
Access to account information is protected using appropriate authentication and security controls.
However, no internet-based service can guarantee absolute security. If we become aware of a privacy or security incident that requires notification under applicable law, we will take appropriate steps to respond and notify affected individuals and authorities where required.
7. Data Retention
We retain personal information only for as long as reasonably necessary to provide Money Journey, maintain accounts, meet legitimate business requirements, resolve disputes, enforce agreements, and comply with legal obligations.
When an account is deleted, we will delete or anonymise associated personal information within a reasonable period, subject to information that we are legally required or permitted to retain.
8. Account and Data Deletion
You can delete a child's profile and data, reset your own account, or permanently delete your account, at any time from within the app — all three require a one-time verification code sent to your verified email before anything is removed.
Resetting your account deletes your Guardian profile and all data for children you created (transactions, goals, wallets, and history), along with your Family memberships, Challenges, and Auto Transfers, but keeps your sign-in credentials active so you can create a new Money Journey account later.
Deleting your account does everything Resetting does, and also permanently removes your sign-in identity, so you would need to create a brand new account to use Money Journey again.
You can also contact us directly to request deletion of your account or associated information, subject to any information that we are required to retain by law.
9. Access and Correction
Under applicable privacy laws, you may have the right to request access to personal information we hold about you and to request correction of inaccurate or incomplete information.
You can contact us using the details below to make an access or correction request.
We may need to verify your identity before completing a request.
10. Cookies and Website Technologies
The Money Journey website may use essential technologies required to operate the website and provide requested functionality.
If we introduce analytics, advertising, or other technologies that collect additional information, this Privacy Policy will be updated to describe those technologies and their use.
11. Third-Party Services
Money Journey may rely on third-party technology and service providers to operate the service.
These providers may process information on our behalf. Their access is limited to what is reasonably necessary to provide their services.
Third-party services, including Apple and Google, may have their own privacy policies governing information they process independently.
12. International Data Processing
Some service providers used by Money Journey may process or store information outside New Zealand.
Where personal information is transferred or processed overseas, we take reasonable steps to ensure that appropriate privacy and security protections apply, consistent with applicable New Zealand privacy requirements.
13. New Zealand Privacy Law
Money Journey is committed to handling personal information in accordance with applicable New Zealand privacy law, including the Privacy Act 2020.
The Privacy Act provides individuals with rights relating to access to and correction of personal information, as well as protections concerning the collection, use, storage, and disclosure of personal information.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to Money Journey, our services, or applicable legal requirements.
When we make material changes, we will update the “Last updated” date at the top of this policy.
We encourage you to review this Privacy Policy periodically.
15. Contact Us
If you have questions about this Privacy Policy, want to request access to or correction of your information, or want to request deletion of your account or associated information, please contact us:
Money Journey
New Zealand
Privacy enquiries: privacy@moneyjourney.co.nz
Website: https://moneyjourney.co.nz
Money Journey Privacy Policy
Last updated: 7 September 2026