Privacy Policy

Information We Collect

We gather different types of information depending on how you engage with our services. Some details you provide directly, while others we collect through your interactions with our platform.

Personal Information You Provide

• Name, email address, and phone number when you register or contact us
• Mailing address for correspondence and program materials
• Educational background and learning goals to personalize your experience
• Payment details when enrolling in courses (processed securely through third-party providers)
• Communication preferences and accessibility requirements
• Feedback, questions, and responses you share with our team

Information Collected Automatically

When you visit our website, certain technical data is gathered automatically:

• Browser type, device information, and operating system
• IP address and general geographic location (city/state level)
• Pages visited, time spent on site, and navigation patterns
• Referral source and search terms used to find us
• Technical errors or issues encountered during your visit

How We Use Your Information

Your data helps us deliver better financial education and improve our services. Here's what we do with the information we collect:

Data Sharing and Disclosure

We don't sell your personal information. Period. But we do share data with trusted partners who help us run our services:

Service Providers

Third-party companies help us with specific functions. They only access data necessary for their role and must protect it according to our standards:

• Payment processors handling secure financial transactions
• Email service providers managing course communications
• Cloud hosting services storing our platform data
• Analytics tools helping us understand site usage
• Customer support platforms managing your inquiries

Legal Requirements

We may disclose information when legally required or to protect legitimate interests:

• Responding to valid legal processes (subpoenas, court orders)
• Complying with Australian government regulations
• Investigating potential fraud or security incidents
• Protecting the safety of our users and staff
• Enforcing our terms of service when necessary

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. Here's what you can do and how to exercise these rights:

1. Access Your Information: Request a copy of the personal data we hold about you. We'll provide this within 30 days, though complex requests may take longer.
2. Correct Inaccuracies: Ask us to update or correct information that's outdated or wrong. You can also update most details directly in your account settings.
3. Request Deletion: Ask us to delete your personal information, subject to legal and operational requirements. Some data must be retained for financial or legal purposes.
4. Opt Out of Marketing: Unsubscribe from promotional emails anytime. Essential course communications will continue for active enrollments.
5. Restrict Processing: Request limits on how we use your data while we resolve concerns about accuracy or usage.
6. Data Portability: Receive your information in a structured format to transfer to another service provider.
7. Lodge a Complaint: Contact the Office of the Australian Information Commissioner if you're unhappy with how we handle your privacy concerns.

Data Security

Protecting your information is something we take seriously. We've implemented multiple layers of security to safeguard your data:

Technical Safeguards

• SSL/TLS encryption for data transmitted between your browser and our servers
• Encrypted storage for sensitive information in our databases
• Regular security audits and vulnerability assessments
• Firewall protection and intrusion detection systems
• Secure authentication protocols for staff access

Organizational Measures

• Limited staff access based on role requirements
• Confidentiality agreements for all team members and contractors
• Regular privacy and security training
• Incident response procedures for potential breaches
• Secure disposal processes for data no longer needed

Despite our efforts, no system is completely invulnerable. If we detect a data breach affecting your information, we'll notify you and relevant authorities as required by Australian law.

Data Retention

We keep your information only as long as necessary for legitimate purposes. Retention periods vary based on the type of data and legal requirements:

After retention periods expire, we securely delete or anonymize your information. Some aggregated, non-identifiable data may be kept indefinitely for research and service improvement.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience and understand how people use our platform.

Essential Cookies

These are necessary for the website to function properly. They enable core features like secure login, course access, and payment processing. You can't opt out of essential cookies while using our services.

Analytics Cookies

We use analytics tools to understand visitor behavior and improve our content. These cookies collect information about page visits, time spent, and navigation patterns. The data is aggregated and doesn't identify individuals.

Managing Cookies

Most browsers let you control cookies through settings. You can block or delete cookies, though this may affect site functionality. Check your browser's help section for specific instructions.

Children's Privacy

Our services are designed for adults seeking financial literacy education. We don't knowingly collect information from anyone under 18 without parental consent. If you're under 18 and interested in our courses, please have a parent or guardian contact us to discuss appropriate options.

If we discover we've inadvertently collected data from someone under 18 without proper consent, we'll delete that information promptly.

International Data Transfers

While we're based in Australia and primarily serve Australian clients, some of our service providers operate internationally. Your data may be processed or stored in countries outside Australia, including the United States and European Union.

When transferring data internationally, we ensure adequate protections through:

• Selecting providers with strong privacy practices and certifications
• Contractual clauses requiring equivalent data protection standards
• Compliance with Australian cross-border data transfer requirements
• Regular assessment of international provider security measures

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through:

• Email to your registered address
• Prominent notice on our website
• In-platform notifications when you log in

The "Last Updated" date at the top of this page shows when changes were last made. We encourage you to review this policy occasionally to stay informed about how we protect your information.

Continued use of our services after policy updates means you accept the revised terms. If you disagree with changes, contact us to discuss your concerns or discontinue using our services.

Contact Us About Privacy

Questions or concerns about how we handle your personal information? We're here to help.

If you're not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). Visit oaic.gov.au for more information about the complaints process.