This Privacy Policy explains how Income Lab collects, uses, discloses, and manages personal information when you visit our website or use our membership services. Income Lab is a business operated by Pepform Pty Ltd (ACN/ABN registered in Australia). We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) contained in that Act.
We may collect the following categories of personal information:
We collect personal information only by lawful and fair means, and only where it is reasonably necessary for our functions and activities (APP 3).
We use your personal information to operate the Service, provide access to content, process payments, send transactional and account communications, respond to support requests, personalise your experience, improve our offerings, and meet our legal and security obligations. We will not use your personal information for a purpose that is unrelated to these primary purposes without your consent (APP 6).
We may send you marketing emails about Income Lab products and updates. All marketing emails include an unsubscribe mechanism in accordance with the Spam Act 2003 (Cth). You may opt out at any time by clicking "Unsubscribe" in any email or by contacting us at hello@referlabs.com.au. Transactional emails (such as login codes, payment receipts, and account notices) are not subject to opt-out as they are necessary to provide the Service.
We disclose personal information only as necessary to operate the Service. This includes trusted third-party service providers such as Stripe (payment processing), Supabase (authentication and database), and Resend (transactional email). These providers are required to handle your information securely and only for the purpose of providing services to us.
We may also disclose personal information to comply with a legal obligation, protect our legal rights, or in connection with a business transfer. We do not sell your personal information (APP 6).
Income Lab operates from Australia. Some of our third-party service providers may store or process personal information in overseas locations, including the United States and European Union. We take reasonable steps to ensure these providers comply with privacy standards consistent with the APPs (APP 8). By using the Service, you consent to such overseas disclosure.
We use cookies and browser local storage to keep you signed in, remember preferences, and help the Service function correctly. You can control cookies through your browser settings, but disabling them may affect site functionality.
We take reasonable steps to ensure that personal information we hold is accurate, up to date, and complete (APP 10). We use reasonable administrative, technical, and physical safeguards to protect your information from misuse, interference, loss, and unauthorised access or disclosure (APP 11). However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
We retain personal information for as long as necessary to provide the Service and meet our legal obligations. When personal information is no longer required, we take reasonable steps to destroy or de-identify it (APP 11.2).
Under the Australian Privacy Principles, you have the right to:
To exercise these rights, email us at hello@referlabs.com.au. We will respond within 30 days.
Income Lab is not intended for children under 18. We do not knowingly collect personal information from anyone under 18 years of age.
If you believe we have mishandled your personal information, please contact us first at hello@referlabs.com.au. We will investigate and respond within 30 days. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.
We may update this Privacy Policy from time to time. Material changes will be notified by email or by a prominent notice on our website. Continued use of the Service after updates constitutes acceptance of the revised policy.
Income Lab is operated by Pepform Pty Ltd (Australia). For privacy enquiries, contact us at hello@referlabs.com.au.