Privacy Policy

1. Personal Information Collection and Use

In compliance with the Privacy Act 1988 (Cth), Tmrw Consulting collects personal information only by lawful and fair means. We collect personal information directly from our clients and online users where reasonably practicable. The kind of information we collect includes:

• Names and addresses
• Email addresses
• Phone numbers
• Financial information

2. Security of Personal Information

In accordance with the Australian Privacy Principle 11, Tmrw Consulting takes reasonable steps to protect the personal information we hold from misuse, interference, loss, unauthorized access, modification, or disclosure. Our security measures include:

• Encryption protocols
• Access control procedures
• Network firewalls
• Physical security measures

3. tmrw plan Service and Information Sharing

As part of the 'tmrw plan' service offered by Tmrw Consulting, we may facilitate the provision of your personal and financial information to licensed financial services professionals. This sharing of information is conducted:

• With your explicit consent and following a clear understanding of the purposes for which your information will be used
• In compliance with the Australian Privacy Principles, particularly regarding the use and disclosure of personal information
• To assist in providing a comprehensive service tailored to your financial needs and objectives

It is our policy to ensure that these professionals adhere to strict confidentiality and privacy standards in line with our privacy policy and Australian law. However, Tmrw Consulting is not responsible for any advice provided by these third-party professionals.

4. Information Not Financial Advice

In accordance with ASIC Regulatory Guide 175, Tmrw Consulting makes it clear that:

1. The content provided on our platforms is not a substitute for professional advice.
2. Any decisions made based on the information provided by Tmrw Consulting are made at the user's own risk.
3. Tmrw Consulting does not endorse or recommend any specific financial products.

5. Account Deletion and Data Retention

You can delete your account at any time from within the tmrw mobile app by opening the Account tab and selecting Delete Account. You may also request deletion by contacting us at contact@tmrw.consulting.

When you delete your account:

• Your sign-in identity is permanently removed from our authentication system, and you can no longer log in.
• Your personal profile information (name, email address, phone number, and profile photo) is erased from your user record.
• Any linked professional profile is detached from your login.

Business records created in the course of providing our services — including client records, notes, uploaded documents, and compensation entries — are retained by Tmrw Consulting after account deletion. We keep these records to meet our legal, accounting, tax, and regulatory obligations, and only for as long as those obligations require. If you have questions about what we retain or wish to make a privacy request, contact us at contact@tmrw.consulting.

6. Changes to This Privacy Policy

Tmrw Consulting reserves the right to make amendments to this Privacy Policy at any time. Changes will be posted on our website to ensure our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

7. Contacting Us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at contact@tmrw.consulting.