Information We Collect

We gather different types of information depending on how you use our services. Some of it you give us directly, and some we collect automatically as you navigate our platform.

Personal Information You Provide

• Your name, email address, and phone number when you register or contact us
• Billing address and payment details for our learning programs
• Information about your financial goals and current situation to personalize your experience
• Communication preferences and feedback you share with us
• Professional background details if you're enrolling in specialized programs

Information Collected Automatically

When you visit our website, we automatically collect technical data through cookies and similar technologies. This includes your IP address, browser type, device information, and pages you visit. We use this to improve our service and understand how people interact with our content.

How We Use Your Information

We're not in the business of selling your data. Everything we collect serves a specific purpose related to providing and improving our financial education services.

We personalize your learning experience based on your goals and progress. If you've told us you're working on budgeting skills, we'll suggest relevant resources. But you're always in control of what information you share.

Sharing Your Information

We don't hand over your information to third parties for their own purposes. However, running an educational platform means working with certain service providers who help us deliver our services.

• Payment processors: We use secure payment services to handle transactions. They only receive the information needed to process your payment
• Email service providers: To send you course updates and communications you've requested
• Cloud hosting services: Your data is stored securely with Australian-based providers where possible
• Analytics providers: We use analytics to understand how people use our site, but we don't share personally identifiable information

Your Rights and Choices

Under Australian privacy law, you have several rights regarding your personal information. These aren't just words on a page—we actually honor these requests.

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days, free of charge. Just send an email to our privacy team with your request.

Correct or Update Information

Noticed something outdated or incorrect? You can update most information directly through your account settings. For changes we need to verify, contact our support team.

Delete Your Information

You can request deletion of your account and associated data. We'll process this within 30 days, though we may need to retain some information for legal or legitimate business purposes—like financial records for tax compliance.

Opt Out of Marketing

Every marketing email includes an unsubscribe link. Click it, and you're off the list. You'll still receive essential service-related emails about your account or programs you're enrolled in.

How We Protect Your Information

Security isn't just about having the right technology—though we do use industry-standard encryption and secure servers. It's also about our processes and how we handle your information daily.

• All data transmission uses SSL/TLS encryption
• Payment information is processed through PCI-DSS compliant providers
• Access to personal information is restricted to staff who need it for their job
• Regular security audits and vulnerability assessments
• Staff training on data protection and privacy best practices

No system is completely foolproof. If we ever experience a data breach that affects your information, we'll notify you promptly and let you know what steps we're taking.

Data Retention

We don't keep your information longer than necessary. Different types of data have different retention periods based on legal requirements and business needs.

Account Information

Active account data is retained while your account exists and for up to 12 months after closure, unless you request earlier deletion. This gives you time to change your mind about leaving.

Financial Records

Payment and transaction records are kept for seven years to comply with Australian taxation law. After that period, they're securely deleted.

Marketing Data

If you opt out of marketing communications, we'll remove you from our marketing lists immediately. We'll keep a record that you opted out so we don't accidentally contact you again.

Cookies and Tracking

Our website uses cookies—small text files stored on your device. Most are essential for the site to work properly, but some help us understand how people use our platform.

Essential Cookies

These keep you logged in and remember your preferences. Without them, you'd have to log in every time you visit a new page. They don't track you across other websites.

Analytics Cookies

We use these to see which pages are popular, how long people spend on different sections, and where visitors come from. This helps us improve the site. You can disable these through your browser settings without affecting site functionality.

International Data Transfers

We primarily store data within Australia. However, some of our service providers operate internationally. When your information is transferred overseas, we ensure appropriate safeguards are in place through standard contractual clauses and privacy frameworks.

Countries where your data might be processed include the United States and Singapore, where some of our cloud infrastructure is located. These transfers only happen when necessary and with proper protections.

Children's Privacy

Our services are designed for adults managing their finances. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal information, please contact us so we can delete it.

Changes to This Policy

We review and update this policy regularly to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The "Last Updated" date at the top shows when we last revised this policy. We encourage you to check back occasionally, especially if it's been a while since you've reviewed it.

Making a Complaint

If you're concerned about how we've handled your personal information, please contact us first. We'll investigate and respond within 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC). They're the independent authority that oversees privacy law in Australia.