Last updated: April 2025. This policy covers how Beholdr collects, uses, stores, and protects your personal information, in accordance with the Australian Privacy Act 1988 and the Australian Privacy Principles.
Beholdr is a personal financial tracking tool operated by Blair Singleton (ABN pending), based in Australia. We can be contacted at support@beholdr.au.
We collect:
• Account information: Your email address, used for authentication and account management.
• Transaction data: Financial transaction records you import via CSV file — including transaction dates, amounts, descriptions, and the categories we assign or you assign to them.
• Account metadata: Account names, types (everyday, savings, credit), and running balances you configure within the app.
• Usage data: Standard web server logs including IP addresses, browser type, and pages visited.
We do NOT collect: your bank login credentials, your full bank account numbers, or your raw CSV file (it is parsed in your browser before any data reaches our servers).
Transaction data is collected when you export a CSV file from your bank's app or website and import it into Beholdr. The CSV file is parsed entirely within your browser. Only the structured transaction rows (date, amount, description) are transmitted to our servers — the raw file never leaves your device.
Account information is collected when you create an account.
We use your information to:
• Provide the Beholdr service — categorising your transactions, tracking your budgets, and showing your financial position. • Authenticate you and maintain your account. • Improve the accuracy of our automatic categorisation. • Send you account-related communications (not marketing without your consent).
We do not: sell your data, share it with third parties for advertising purposes, or use it to build profiles for any purpose other than providing the Beholdr service.
Your data is stored in a PostgreSQL database hosted by Neon, a US-based cloud database provider. Data is encrypted at rest and transmitted over TLS (HTTPS). All user data is scoped to your individual account — no cross-user access is possible within the application.
We implement reasonable technical and organisational measures to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure.
Your data is stored on servers operated by Neon (United States) and Vercel (United States). By using Beholdr, you consent to your personal information being stored in these countries. We take reasonable steps to ensure these providers maintain adequate privacy protections.
You have the right to:
• Access your personal information held by Beholdr at any time by contacting us. • Correct inaccurate personal information. • Delete your account and all associated personal information. You can do this at any time via Settings → Delete account. All your data is permanently and irreversibly deleted in a single operation — nothing is archived. • Complain to us about how your personal information is handled by contacting support@beholdr.au. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
Beholdr uses session cookies for authentication. We do not use third-party advertising cookies or cross-site tracking. We may use privacy-respecting analytics (Plausible Analytics, which does not use cookies and does not collect personal data) to understand how the site is used in aggregate.
We may update this Privacy Policy from time to time. We will notify you of material changes by email or by a notice in the app. Continued use of Beholdr after notification constitutes acceptance of the updated policy.
For privacy enquiries, access requests, or complaints: support@beholdr.au