Privacy policy

Who we are

Our website address is: https://urpenny.com.

We are Penny. We are committed to providing quality services to you and this policy outlines our ongoing obligations to you in respect of how we manage your Personal Information.

We have adopted the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) (the Privacy Act). The APPs govern the way in which we collect, use, disclose, store, secure and dispose of your Personal Information.

A copy of the Australian Privacy Principles may be obtained from the website of The Office of the Australian Information Commissioner at https://www.oaic.gov.au/.

This policy should be read together with our Terms of Use, which set out the rules for accessing and using our Services, including our web application and any related websites, content and communications.

What is Personal Information and why do we collect it?

Personal Information is information or an opinion that identifies an individual. Examples of Personal Information we collect includes names, addresses, email addresses, phone and facsimile numbers.

This Personal Information is obtained in many ways. The main ways we will collect your Personal Information is when you complete contact forms, partner forms, consultant forms, and user sign-up forms on our website.

We collect and share details such as your phone number, name, email address, and any details about your home buying journey and needs. Additionally, we collect data you enter about your savings progress and related details.

This information is only shared with service providers with your permission. and share details such as your phone number, name, email address, and any details about your home buying journey and needs. Additionally, we collect data you enter about your savings progress and related details.

We may also obtain your Personal Information through other ways, including interviews, correspondence, by telephone, email, marketing, advertising via our website www.urpenny.com, from cookies and from third parties.

We don’t guarantee website links or policy of authorised third parties.

We collect your Personal Information for the primary purpose of delivering Penny’s services, including helping you understand the home-buying process, assessing your readiness, providing personalised guidance, and connecting you with verified professionals when requested. This includes offering education, tools, progress tracking, expert insights and support throughout your home-buying journey.

We also use your Personal Information to provide information to our trusted referral partners at your direction (for example, when you request an introduction to a broker, adviser, buyer’s agent, conveyancer or other service provider).

We may use your Personal Information for secondary purposes directly related to these primary functions, and which you would reasonably expect, such as: improving our platform, tailoring your experience, contacting you about your plan or sessions, sending relevant updates and resources, conducting user research, or communicating with you about new features and partner offers that support your financial goals.

You may unsubscribe from our mailing/marketing lists at any time by adjusting your preferences or contacting us in writing using our contact form.

When we collect Personal Information we will, where appropriate and where possible, explain to you why we are collecting the information and how we plan to use it.

Beta testing period (Beta Period)

During the Penny Beta testing period, you will be automatically subscribed to our notification list. This allows us to keep you updated on important Beta testing information and platform updates. You can manage your subscription preferences or unsubscribe at any time after the Beta testing period concludes. See Website Terms of Use for more information about the Beta testing period.

Sensitive Information

Sensitive information is defined in the Privacy Act to include information or opinion about such things as an individual’s racial or ethnic origin, political opinions, membership of a political association, religious or philosophical beliefs, membership of a trade union or other professional body, criminal record or health information.

Sensitive information will be used by us only:

For the primary purpose for which it was obtained
For a secondary purpose that is directly related to the primary purpose
With your consent; or
Where required or authorised by law.

Cookies on our Website

If you leave a comment on our Website you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Third Parties

Where reasonable and practicable to do so, we will collect your Personal Information only from you. However, in some circumstances we may be provided with information by third parties. In such a case we will take reasonable steps to ensure that you are made aware of the information provided to us by the third party.

Disclosure of Personal Information

Your Personal Information may be disclosed in a number of circumstances including the following:

Third parties where you consent to the use or disclosure; and
Where required or authorised by law.

Security of Personal Information

Your Personal Information is stored in a manner that reasonably protects it from misuse and loss and from unauthorised access, modification or disclosure.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognise and approve any follow-up comments automatically instead of holding them in a moderation queue.

We also store the Personal Information of users who register on our website in their user profile. All users can see, edit, or delete their Personal Information at any time (except they cannot change their username). Our Website administrators can also see and edit that information.

When your Personal Information is no longer needed for the purpose for which it was obtained, we will take reasonable steps to destroy or permanently de-identify your Personal Information. However, most of the Personal Information is or will be stored in client files which will be kept by us for a minimum of 7 years.

What rights you have over your data

If you have an account on our Website, or have left comments, you can request to receive an exported file of the Personal Information we hold about you. You can also request that we erase any Personal Information we hold about you. This does not include any Personal Information we are obliged to keep for administrative, legal, or security purposes. We will not charge any fee for your access request but may charge an administrative fee for providing a copy of your Personal Information. In order to protect your Personal Information we may require identification from you before releasing the requested information.

Where your data is sent

Visitor comments may be checked through an automated spam detection service.

If you request a password reset, your IP address will be included in the reset email.

Maintaining the quality of your personal information

It is an important to us that your Personal Information is up to date. We will take reasonable steps to make sure that your Personal Information is accurate, complete and up to date. If you find that the information we have is not up to date or is inaccurate, please advise us as soon as practicable so we can update our records and ensure we can continue to provide quality services to you.

Policy updates

This Policy may change from time to time and is available on our website.

Privacy Policy complaints and enquiries

If you have any queries or complaints about our Privacy Policy please contact us at: contact form.

Related Policies

Website Terms of Use: https://urpenny.com/terms-of-use/

This policy was last updated 22 December 2025.