Privacy Policy

Last updated: 15 November 2026

1. Who this policy covers

This policy explains how Two Homes Budgeting, a business name operated by Danielle Hayes as a sole trader, ABN 39 919 367 842 ("I", "me"),, collects, uses, stores and shares personal information. It covers this website, enquiries, bookings, sessions and the documents I prepare for you.

2. The law and my commitment

I've chosen to handle personal information in line with the Australian Privacy Principles in the Privacy Act 1988 (Cth). This is a voluntary commitment I make to you.

3. What information I collect

When you get in touch or book

• Your name, or the name you'd like me to use.
• Your phone number and/or email address.
• The safest way and time to contact you, and whether it's safe to leave a voicemail or send a text or email.
• Anything you choose to include in a message.

When we work together

• Household income and expenses, bills and due dates, debts and upcoming costs.
• General details about your household, such as the number and ages of children, where it affects your budget.
• Expected or estimated payments, such as child support or Centrelink payments.
• Payment records for my invoices.

Information I don't need

Please don't send me passwords, myGov login details, tax file numbers, full bank-account or card numbers, identity documents or court documents. Where practical, you can show me a document during a session without me keeping a copy.

Information about other people

Please give me only the minimum information needed about your children, your former partner or anyone else. Usually, I don't need their names, dates of birth or identifying documents to prepare your household budget. Other people's privacy matters too, and I handle what you tell me about them with the same care.

Sensitive information

Please avoid giving me detailed health information, accounts of violence, or other sensitive personal information unless it's needed for me to support you safely. If I need to record something like this, I'll generally ask for your consent first, unless a law permits or requires otherwise.

Using a different name

You can make a general enquiry using a preferred name or a pseudonym. For a paid service, I need enough contact, booking and billing information to provide the service and meet my record-keeping obligations. I don't routinely ask for identity documents.

4. How I collect it

I collect information directly from you: through my booking page, enquiry form, email, phone calls, messages and sessions. When you fill in a form, you'll see a short note explaining why I'm asking and what happens with your information. I don't collect information about you from your former partner or anyone else without your permission.

5. Why I use it

• To respond to your enquiry and contact you safely.
• To prepare and deliver your budgeting session and written summary.
• To manage bookings, invoices and payments.
• To meet my legal, tax and insurance obligations.
• To improve my service, using only information that doesn't identify you.
• To send you news or tips, but only if you've asked to join my mailing list.

6. Who I share it with

Your former partner

I never sell your information. I won't voluntarily disclose your information to your former partner without your express permission.

Exceptions may apply where disclosure is required or authorised by law, for example under a valid court order. Where it's lawful and safe, I'll talk with you about it first.

My records aren't covered by legal professional privilege just because they relate to your separation. If you need confidential legal advice, please speak to a lawyer.

Service providers

I use a small number of service providers to run my business. They may access relevant information where it's reasonably needed for the service they provide:

• Booking: Cal.com
• Enquiry form: Tally
• Email: Namecheap Private Email
• Video sessions: Microsoft Teams, with recording and transcription turned off
• Client file storage: Microsoft OneDrive for Business
• Card payments: Stripe secure payment links
• Website hosting: Cloudflare (public website files only, no client records)

Professional advisers

My accountant, insurer or legal adviser may see relevant information where it's reasonably needed for their role, for example to prepare my tax records or respond to a complaint or claim.

I'll only share your information with your lawyer, adviser, financial counsellor or another professional if you ask me to.

Other legal exceptions

I may need to share information without your consent if the law requires or allows it. For example, I may do so where I reasonably believe it's necessary to lessen or prevent a serious threat to someone's life, health or safety, or where a court or law-enforcement body requires it. Where it's safe and lawful, I'll tell you first.

7. Information stored overseas

Some of my service providers store or process information outside Australia:

• Namecheap Private Email: emails may be stored or processed in the United States.
• Tally: enquiry form responses are stored in Europe.
• Cal.com, Microsoft, Stripe and Cloudflare: information may be stored or processed outside Australia.

Before relying on a provider, I check how it handles personal information. I avoid sending bank statements or other sensitive documents by email where a safer option is available.

8. Contacting you safely

I'll record your safe-contact instructions and follow them for routine contact. Please tell me if they change.

Before you book, we'll go through any automatic messages you might receive, such as booking confirmations, reminders or payment receipts, so nothing arrives somewhere unsafe. I use neutral email subject lines, keep sensitive details out of text messages and calendar invitations, and check with you before sending your budget or summary. Card payments are expected to appear on your statement as "TWO HOMES BUDGETING", although your bank may show extra or shortened details. If you're worried about someone else seeing a payment or receipt, please tell me before you pay.

9. How I keep it secure

• Within my business, access to client records is restricted to me. Service providers and professional advisers may access relevant information as described in section 6.
• I use password-protected accounts with two-step sign-in.
• I don't accept client documents through this website.
• I don't record sessions or use AI transcription.
• I don't put information that identifies you into general-purpose AI tools. If that ever changes, I'll update this policy and tell you before I use them.

10. How long I keep it

I keep personal information only for as long as it's needed for the purposes above, or as required by law or my insurer. Then I securely delete or de-identify it.

• Enquiries that don't lead to a booking: deleted 6 months after our last contact.
• Statements or documents you've shared with me: I avoid keeping copies. If I need one, I aim to delete it within 90 days after I've delivered your documents.
• Your budget, summary, necessary session notes and agreed terms: only for as long as I need them for insurance, legal and professional reasons. I'm confirming this period with my insurer and will update this policy when it's set.
• Invoices and payment records: generally at least 5 years, as the Australian Taxation Office requires.
• Complaint or legal matters: for as long as needed for that matter.

You can ask me to delete your information sooner. I'll do so unless I need to keep it for a legal, tax or insurance reason, and if so I'll tell you why. Deleted information may stay in secure backups for a short time before it's removed.

11. Seeing or correcting your information

You can ask for a copy of the information I hold about you, or ask me to correct it. I'll respond within 30 days. There's no charge. If I can't give you access, for example because it would affect someone else's privacy or safety, I'll explain why in writing.

12. Emails and my mailing list

I'll only send you marketing emails if you've agreed. Joining my mailing list is always optional and is never a condition of booking. Every email includes an easy way to unsubscribe. I won't use your contact details for marketing if you've only told me it's safe to contact you about your booking.

13. This website

This website doesn't use advertising or tracking cookies, and it doesn't collect information through forms on the page itself. The booking and enquiry buttons take you to Cal.com and Tally, which have their own privacy policies. The website is hosted by Cloudflare, which processes visitors' IP addresses to deliver the site and protect it from attacks.

The Quick exit button takes you to a different site, but it doesn't erase your browsing history.

14. If something goes wrong

If I suspect a data breach, I'll promptly assess it and take reasonable steps to contain any harm. Where the law requires it, I'll notify you and the Office of the Australian Information Commissioner as soon as practicable. I'll contact you in line with your safe-contact instructions.

15. Questions and complaints

If you have a question or concern about your privacy, please contact me first:

Dani Hayes, Two Homes Budgeting
Email: hello@twohomesbudgeting.com.au
Phone: 0491 269 982

I'll acknowledge your complaint within 5 business days and aim to resolve it within 30 days.

You can also contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or on 1300 363 992 for information about your privacy rights and whether your complaint is something the OAIC can deal with.

16. Changes to this policy

I may update this policy from time to time. The latest version will always be on this page, with the date it was last updated.