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Legal & Privacy
This Cookie Policy explains how My Money Circle Pty Ltd (ABN 30 679 974 791) ("we", "us", or "MMC") uses cookies and similar tracking technologies on mymoneycircle.au. It should be read alongside our Privacy Policy, which governs how we handle your personal information more broadly.
Some cookies on this website cannot be disabled. Where a cookie is necessary to deliver a service you have chosen to use - such as completing a sign-up, tracking a referral you arrived through, or monitoring where an account creation attempt failed - it is classified as essential and will remain active regardless of your cookie preferences. We explain each category clearly below.
01 - Overview
Cookies are small text files placed on your device when you visit a website. They are widely used to make websites function correctly, remember your preferences, and provide information to site owners about how visitors use their site.
We also use related technologies such as pixels, web beacons, and local storage that serve similar purposes. For simplicity, we refer to all of these collectively as "cookies" throughout this policy.
02 - Categories
We use the following categories of cookies on our website. Where cookies are not strictly necessary, we note this so you can make an informed choice.
03 - Retention
| Type | Typical duration | Purpose |
|---|---|---|
| Session cookies | Deleted when you close your browser | Core site functionality during your visit |
| Attribution & referral cookies | Up to 90 days from first visit | Referral attribution and partner reporting (always active) |
| Onboarding & sign-up flow cookies | Session duration; some state up to 30 days | Sign-up flow integrity and drop-off detection (always active) |
| Analytics cookies | Up to 24 months | Longitudinal site performance analysis |
| Marketing cookies | Varies by platform (typically 30-180 days) | Ad frequency and attribution windows |
| Third-party embeds | Set by third party | Functionality of embedded content |
04 - Legal basis
My Money Circle operates under Australian law, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). We are also a Corporate Authorised Representative (CAR No. 1311478) of Novus Capital Limited (AFSL 238168), and we take our obligations around transparency and responsible data handling seriously.
Essential cookies are used on the basis of legitimate operational necessity - without them, the website cannot function as intended. All other cookies are used on the basis of your consent, which you may withdraw at any time (see section 5 below).
If you are visiting our site from a jurisdiction with stricter cookie consent requirements (such as the European Economic Area), please note that we apply those requirements as they relate to you, regardless of where our business is based.
05 - Your choices
You have several options for controlling optional cookies. Please note that essential cookies - including those used for attribution, referral tracking, and onboarding flow monitoring - cannot be disabled, as they are necessary to deliver services you have requested.
Via our cookie banner. When you first visit our website, you will be presented with a consent banner that allows you to accept or decline non-essential cookies. You can update your preferences at any time by clicking the "Cookie Settings" link in the footer of our website.
Via your browser. Most browsers allow you to refuse or delete cookies through their settings. The method varies by browser - you can find instructions for your browser at aboutcookies.org. Please be aware that disabling cookies may affect the functionality of this and other websites.
Via third-party opt-out tools. For analytics and advertising cookies, you can also use platform-specific opt-out mechanisms such as Google's Ads Settings or the Digital Advertising Alliance opt-out tool.
Withdrawing consent will not affect the lawfulness of any processing that occurred before you withdrew it, and will not affect your ability to access our coaching services.
06 - Third parties
Some cookies on our website are set by third-party services we have integrated for functionality or measurement purposes. We have no direct control over the cookies these third parties set, how long they persist, or the data they collect beyond what they disclose in their own privacy policies.
We encourage you to review the privacy and cookie policies of any third-party service you interact with via our website.
07 - Updates
We may update this Cookie Policy from time to time to reflect changes in the cookies we use, changes in applicable law, or changes in our business practices. When we make material changes, we will update the "Last updated" date at the top of this page.
We encourage you to review this policy periodically. Continued use of our website after changes are posted constitutes acceptance of the updated policy.
08 - Contact
If you have questions about this Cookie Policy or how we handle your data more broadly, please contact us:
My Money Circle Pty Ltd
If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.