Youi
Banking & Finance
No relevant claims found in policy. Overall: Good with minor gaps.
10 dimensions · 70 claims · assessed 17 Apr 2026 · methodology · source policy ↗
Score Breakdown
Transparency
Good with minor gaps
7.5/107.5/10
Transparency
Good with minor gaps
Transparency & Clarity
8/10Comprehensive scope statement covering 13 different user types, clear definitions section, specific contact information including privacy officer details, current version date, and informal introductory tone. Strong coverage of key transparency elements.
Purpose Limitation & Use
7/10Clear enumeration of 14 specific primary purposes, detailed marketing purposes with opt-out mechanism, and explicit commitment to only use information for permitted/lawful reasons. Good purpose specificity but secondary use disclosure could be more detailed.
Policy Maintenance & Accountability
7/10Clear version tracking with last updated date, designated privacy officer with contact details, policy update notification mechanism, and specific acceptance triggers. Good governance framework but lacks specific review frequency commitments.
Data Protection
Good with minor gaps
6.89/106.89/10
Data Protection
Good with minor gaps
Data Collection Disclosure
8/10Detailed enumeration of specific data types collected including technical data, comprehensive list of indirect collection sources, clear disclosure of sensitive information collection, and specific automated collection technologies. Good granularity beyond broad categories.
Third-Party Sharing & Disclosure
7/10Extensive list of third-party categories and specific sharing purposes, clear government disclosure provisions, and overseas disclosure with named countries. However, lacks specific named recipients and relies on broad policy consent rather than granular consent mechanisms.
Data Security
5/10General security commitment referencing 'generally accepted standards' and reasonable precautions, but lacks specific technical measures like encryption details or certifications. Includes employee access controls and credit card protection but overall quite generic.
Cross-Border Data Flows
7/10Named specific countries (South Africa, USA), clear disclosure of contractual safeguards with service providers, compliance commitment to Privacy Act, and acknowledgment that countries may vary over time. Good specificity with stated protections.
Your Rights
Significant gaps
4.4/104.4/10
Your Rights
Significant gaps
Consumer Rights & Control
8/10Comprehensive coverage including access rights with fee structure, correction rights, marketing opt-out mechanism, EU-specific rights (deletion, portability, processing restriction), clear internal complaint process, and OAIC escalation with specific timeframes and contact details.
Automated Decision-Making
3/10No explicit disclosure of automated decision-making processes despite clear evidence of automated pricing, underwriting, and behavioral profiling. Limited to marketing opt-out with no human review rights or algorithmic transparency disclosed.
Children's Data
not assessedNo relevant claims found in policy.
No specific findings.
Sector Comparison
Banking & Finance comparison
