Compass App
Privacy Policy

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Last updated: 26 October 2026

1. About this policy
This Privacy Policy explains how Waymaker Pty Ltd (ABN 83 640 132 592) (“Waymaker”, “we”, “us”, “our”) collects, uses, stores and shares your personal information when you use Compass, our financial planning dashboard.

We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By using Compass, you agree to the practices described here. If you don’t agree, please don’t use the service.

2. What we collect
Compass collects personal and financial information. This is intentional: the platform is designed to give you and your coach a full picture of your finances. The main categories are:

Identity and contact information

• Your name, email address, phone number and date of birth

• Login credentials and authentication tokens

Financial information

• Balances on Income, bills, spending, investing, superannuation and cash flow details

• Assets and liabilities

• Home loan scenarios, mortgage details and broker-related information

• Goals, strategies and long-term financial plans

• Tax-related information (deductions, super contributions, HECS/HELP). We do not collect tax file numbers.

Coaching and personal context

• Your core values, habits, mindset notes and coaching session history

• Activity and audit logs showing changes made to your data

• Notifications you’ve read or received

Documents

• Files you upload to Compass

Technical and usage information

• IP address, browser, device type and operating system

• Pages visited, features used and time spent in the app

• Cookies and session tokens

Information from third parties

• Your tier and engagement status

• Information from our CRM

• Information shared by your coach or adviser during sessions

We don’t knowingly collect information from anyone under 18.

3. How we collect it
Most information comes directly from you, when you sign up, update your profile, enter financial data, upload files or message us. Some comes from:

• Our CRM, when you’re assigned a broker or start coaching

• Automated logging, which captures browser and usage information as you use the app

4. Why we collect it
We use your information to:

• Provide and improve Compass and its features

• Calculate cash flow, tax, super and mortgage estimates

• Let your Waymaker coach support you with accurate, current information

• Share relevant information with specialist partners when you engage them or ask us to

• Send notifications, reminders and updates about your account or coaching

• Maintain security, prevent fraud and comply with legal obligations

We do not sell your personal information to anyone. Ever.

5. Who we share it with
This is the most important section. Compass is built around the idea that your coach and trusted specialists work together. That means your data can be shared, but always under your control.

5a. Waymaker staff
Your assigned Waymaker coach, broker and relevant staff members can access your data to support you. Access is controlled by role and logged.

5b. Specialist partners (only with your consent)
Compass connects you to trusted specialists, including accountants, advisers, buyers agents, legal and coaching partners. We share your information with a specialist only when you engage their services or ask us to share it with them. You can ask us to stop sharing at any time.

Current specialist partners include, but not limited to:

• RightTrac Planning: financial advice, insurance and superannuation

• Copius Property: buyers agency

• Crown Noble: business tax and accounting

• Leader Guide: small business coaching

When you grant access, the specialist becomes responsible for handling your data under their own privacy policy.

5c. Service providers (always, to run the platform)
We use trusted service providers to operate Compass, including providers of hosting, databases, CRM, email, SMS, analytics and AI. They can access your data only as far as they need to perform their service.

5d. When required by law
We may disclose your information if required by law or court order, or to respond to a valid request from a regulator or law enforcement agency.

5e. How we use AI in Compass
Atlas is an AI assistant inside Compass that answers money questions using our podcast and resources. If you switch on “Read my Compass data”, the relevant parts of your Compass information are sent to our AI provider to answer your question. Your chats are saved only in your browser and deleted when you start a new conversation. Our team can’t see them. Atlas gives general information, not personal financial advice.

Our team may also use AI tools with read-only access to Compass to look up your information when supporting you. AI never makes decisions about you. Your coach or broker reviews everything and makes every recommendation. Our AI providers don’t use your information to train their AI models.

6. Overseas disclosure
Some of our service providers, including our CRM, email and AI providers, store or process data outside Australia, mainly in the United States.

We take reasonable steps to ensure overseas recipients handle your data consistently with the APPs. By using Compass, you consent to your information being processed in those places.

7. Cookies and analytics
Compass uses cookies and similar technologies to:

• Keep you logged in

• Remember your preferences

• Understand how the app is used so we can improve it

You can disable cookies in your browser, but parts of Compass may not work correctly without them.

8. Your rights
You have the right to:

• Access your personal information

• Correct information that’s inaccurate or out of date (you can do most of this yourself in Compass)

• Ask us to delete your account and personal data, subject to any legal retention obligations

• Ask us to stop sharing your information with a specialist partner

• Complain to us or to the OAIC if you think we’ve mishandled your information

To exercise any of these rights, email support@waymakerfinance.com.au. We’ll respond within 14 days.

9. How long we keep your information
We keep your information:

• While you have an active Compass account and engagement with Waymaker

• For up to seven years after your account closes, to meet financial services and tax record-keeping obligations

• Longer if required by law or to resolve a legal dispute

After that, we securely delete or de-identify it.

10. Complaints
If you have a privacy complaint, please contact us first at support@waymakerfinance.com.au so we can resolve it. We’ll respond within 30 days.

If you’re not satisfied with our response, you can contact the Office of the Australian Information Commissioner at www.oaic.gov.au.

11. Changes to this policy
We may update this Privacy Policy from time to time. We’ll let you know about significant changes through Compass or by email. The “Last updated” date at the top shows when we last revised it.

12. Governing law
This Privacy Policy is governed by the laws of Queensland, Australia. Your privacy rights are set by the Privacy Act 1988 (Cth).

13. Contact
Questions about this Privacy Policy or how we handle your information:
Email: support@waymakerfinance.com.au