Privacy Policy

1. Introduction

Impaktful Pty Ltd trading as Retire Pathway (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, share, and protect your personal information when you use our platform.

2. Information We Collect

We may collect the following types of information:

• Name
• Email address
• Phone number
• Suburb and postcode
• User-generated content (questionnaire responses, posts, messages)
• Behavioural data (app usage, website activity)
• Demographic data (age, gender, occupation)

3. How We Collect Information

We gather information through:

• Direct input — information you provide when using our services, filling out forms, or communicating with us.
• Automatic collection — through cookies, analytics tools, and similar technologies when you visit our website or use our platform.
• Third-party integrations — information received from partner services you have connected or authorised.

4. How We Use Your Information

We use your information to:

• Provide and improve our services
• Personalise your experience and recommendations
• Conduct internal research and develop new features
• Communicate with you about your account, updates, and promotions

5. Data Sharing

We may share deidentified data for research purposes. Your information may also be shared with:

• Service providers — who help us operate and improve our platform.
• Marketing partners — to deliver relevant communications, with your consent where required.
• Legal entities — when required by law or to protect our rights.

6. Data Retention

We retain your information for as long as your account is active or as needed to provide our services. You may request deletion of your data at any time. We may retain certain information as required by law.

7. User Rights & Data Management

You can manage your data by contacting us to request access, correction, or deletion of your personal information through email or our customer support channels.

8. Data Security

We implement appropriate safeguards to protect your information, including:

• Data encryption in transit and at rest
• Access controls and authentication
• Regular security audits
• Secure third-party service providers
• Anonymisation and deidentification practices

9. Children's Privacy

Our services are not intended for children under 18, and we do not knowingly collect data from minors. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information.

10. International Data Transfers

Your data may be transferred to and stored in countries outside of Australia. When we transfer data internationally, we ensure appropriate protective measures are in place, including encryption and contractual agreements.

11. Policy Updates

We may update this Privacy Policy from time to time. We encourage you to review this page periodically for the latest information on our privacy practices.

12. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices or content of those external sites. We encourage you to read the privacy policies of any third-party sites you visit.

13. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal data
• Withdraw consent for marketing communications

14. Contact Us

If you have any questions about this Privacy Policy or your personal information, please contact us at hello@retirepathway.com.