Information We Collect

We collect different types of information depending on how you interact with our services. Some of it you provide directly, and some we gather automatically through your use of our website.

Personal Information You Provide

When you sign up for our programs or contact us, we typically collect:

• Your full name and preferred contact methods
• Email address and phone number
• Postal address (Wilsons Rd, Geelong VIC 3219, Australia format)
• Educational background and professional interests
• Payment information when you enroll in programs
• Communication preferences and feedback you share with us

Automatically Collected Data

Our website collects technical information to improve your experience:

• IP address and general location data
• Browser type and device information
• Pages you visit and how long you stay
• Referring websites and search terms
• Time stamps and interaction patterns

How We Use Your Information

We use your data for specific purposes that directly relate to providing and improving our financial education services. Here's what that looks like in practice:

• Program Delivery: Managing your enrollment, sending course materials, and providing access to learning resources
• Communication: Responding to your inquiries, sending program updates, and sharing relevant educational content
• Payment Processing: Handling transactions securely through our approved payment partners
• Service Improvement: Analyzing how people use our site to make it more helpful and user-friendly
• Legal Compliance: Meeting our obligations under Australian law and maintaining accurate records
• Marketing: Sending information about new programs or content that might interest you (you can opt out anytime)

Data Storage and Security

We store your information on secure servers located in Australia, with backup systems that comply with Australian data protection standards. Our security measures include:

• Encrypted data transmission using industry-standard SSL/TLS protocols
• Regular security audits and vulnerability assessments
• Restricted access to personal data – only authorized staff can view it
• Secure payment processing through PCI DSS compliant providers
• Regular backups with encrypted storage solutions

While we implement strong security practices, no online system is completely immune to risks. We encourage you to use strong passwords and contact us immediately if you suspect any unauthorized access to your account.

Sharing Your Information

We share your data only when necessary to deliver our services or comply with legal requirements. Here's who might see your information:

All third-party providers we work with are required to protect your data and use it only for the specified purposes. We conduct due diligence before partnering with any service provider.

Your Rights Under Australian Privacy Law

Under the Privacy Act 1988, you have specific rights regarding your personal information. We respect these rights and make it straightforward for you to exercise them.

Access and Correction

You can request a copy of the personal information we hold about you at any time. If you find any inaccuracies, you can ask us to correct them. We'll respond to access requests within 30 days and make corrections promptly once verified.

Data Portability

You can request your data in a commonly used format if you want to transfer it to another service provider. We'll provide this within a reasonable timeframe.

Deletion Requests

You can ask us to delete your personal information, though we may need to retain certain records for legal or administrative purposes (like tax records or transaction history). We'll explain if we need to keep anything and why.

Marketing Opt-Out

You can unsubscribe from marketing emails anytime using the link at the bottom of each message. We'll still send you essential service-related communications about programs you're enrolled in.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to remember your preferences and understand how you interact with our content. Most are essential for basic site functionality, while others help us improve your experience.

Types of Cookies We Use

• Essential Cookies: Required for the website to function properly (login sessions, security features)
• Performance Cookies: Help us understand which pages are popular and how people navigate the site
• Functional Cookies: Remember your preferences like language settings or form data
• Analytics Cookies: Provide aggregated data about site usage and visitor patterns

You can control cookies through your browser settings. Keep in mind that blocking certain cookies might affect how the website works for you.

Data Retention

We keep your information only as long as needed for the purposes outlined in this policy or as required by Australian law.

• Active Accounts: Data retained while you're enrolled in programs or actively using our services
• Inactive Accounts: Automatically archived after 24 months of inactivity, then deleted after 36 months
• Financial Records: Maintained for seven years as required by Australian tax law
• Marketing Data: Removed within 90 days after you opt out
• Support Inquiries: Kept for three years for reference and quality improvement

You can request earlier deletion of your data by contacting us directly, subject to any legal retention requirements.

International Data Transfers

While we primarily store data in Australia, some of our service providers (like email platforms or cloud hosting) may process data overseas. When this happens, we ensure appropriate safeguards are in place through:

• Contractual agreements requiring equivalent privacy protection
• Verification that overseas providers comply with recognized privacy frameworks
• Regular audits of third-party data handling practices
• Use of providers in jurisdictions with strong privacy laws

Children's Privacy

Our financial education programs are designed for adults aged 18 and over. We don't knowingly collect personal information from anyone under 18. If you're a parent or guardian and believe your child has provided us with personal information, please contact us so we can remove it.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email if you're enrolled in our programs, and we'll post the updated policy on our website with a new "Last Updated" date.

We encourage you to review this policy periodically. Continued use of our services after changes are posted means you accept the updated terms.

Complaints and Concerns

If you have concerns about how we've handled your personal information, we want to hear from you. Start by contacting us directly – we'll work with you to resolve the issue.

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):

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Mail: GPO Box 5218, Sydney NSW 2001