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Privacy Policy

Last updated: 12 January 2026

1. Introduction

Ratey ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our property wealth tracking application and website at ratey.com.au.

By using Ratey, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

When you create an account or use our services, we may collect:

  • Name and email address
  • Age and employment information
  • Income details (individual and household)
  • Number of dependents

2.2 Property and Financial Information

To provide our wealth tracking services, we collect:

  • Property addresses and estimated values
  • Mortgage details (lender, balance, interest rate, loan type)
  • Other liabilities (credit cards, car loans, HECS debt)
  • Rental income for investment properties

2.3 Technical Information

We automatically collect:

  • Device information and IP address
  • Browser type and version
  • Usage data and analytics
  • Session information for security purposes

3. How We Use Your Information

We use the collected information to:

  • Provide and maintain our property wealth tracking services
  • Calculate your net worth, equity, and borrowing capacity
  • Provide property valuations through third-party services
  • Send you service-related communications
  • Improve and personalise your experience
  • Ensure security and prevent fraud
  • Comply with legal obligations

4. Information Sharing

We do not sell your personal information. We may share your information with:

  • Service Providers: Third-party companies that help us operate our services (e.g., property valuation APIs, email services, analytics)
  • Legal Requirements: When required by law or to protect our rights
  • Business Transfers: In connection with a merger, acquisition, or sale of assets

5. Data Security

We implement appropriate security measures to protect your information, including:

  • Encryption of data in transit and at rest
  • Secure authentication methods
  • Regular security assessments
  • Access controls and audit logging

However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Your Rights

Under Australian privacy law, you have the right to:

  • Access your personal information
  • Correct inaccurate information
  • Request deletion of your data
  • Opt-out of marketing communications
  • Lodge a complaint with the Office of the Australian Information Commissioner (OAIC)

7. Data Retention

We retain your information for as long as your account is active or as needed to provide services. You may request deletion of your account and associated data at any time by contacting us.

8. Third-Party Services

Our service integrates with third-party providers for property valuations, authentication (Google, Apple), and analytics. These services have their own privacy policies, and we encourage you to review them.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us at:

Email: privacy@ratey.com.au
Website: ratey.com.au