Privacy Policy

Information We Collect

We collect information that helps us provide better financial education and decision-making resources. Here's what we typically gather:

Personal Information

• Name and contact details when you register for our learning programs
• Email address for newsletters and course updates
• Phone number if you contact us directly
• Educational background and professional interests to tailor content
• Payment information when you enroll in paid programs (processed securely through third-party providers)

Technical Information

• IP address and browser type for security and analytics
• Device information to optimize your experience across platforms
• Cookie data to remember your preferences
• Usage patterns to understand which resources are most helpful

We don't collect sensitive information like health records or biometric data. If we ever need additional information, we'll ask for your explicit consent first.

How We Use Your Information

Your data helps us run a better education platform. We use it to:

• Deliver learning materials and course access
• Send relevant updates about programs starting in late 2025 and throughout 2026
• Improve our content based on what actually helps learners
• Respond to your questions and support requests
• Process enrollments and manage your account
• Analyze trends to create more useful resources
• Comply with legal obligations under Australian law

Data Storage and Security

We store your information on secure servers located in Australia and use industry-standard encryption. Our security measures include:

• SSL/TLS encryption for data transmission
• Regular security audits and vulnerability assessments
• Access controls limiting who can view your information internally
• Secure backup systems to prevent data loss
• Staff training on data protection and privacy practices

While we take security seriously, no online system is 100% foolproof. We do everything reasonably possible to protect your data, but we can't guarantee absolute security against all potential threats.

Sharing Your Information

We keep your information private except when necessary for legitimate purposes:

All third parties we work with are contractually obligated to protect your data and use it only for specified purposes.

Your Rights Under Australian Privacy Law

You have significant control over your personal information. Here's what you can do:

Access Your Data

Request a copy of the personal information we hold about you. We'll provide it within 30 days in an accessible format.

Correct Inaccurate Information

If something's wrong, let us know. We'll update it promptly and notify any third parties if necessary.

Request Deletion

Ask us to delete your personal information, subject to legal retention requirements. Some data may need to be kept for tax or legal compliance purposes.

Opt Out of Marketing

Unsubscribe from promotional emails anytime using the link in each message. You'll still receive essential account-related communications.

Restrict Processing

Request that we limit how we use your information while you raise a concern about accuracy or usage.

Data Portability

Receive your data in a structured, commonly used format to transfer to another provider.

Cookies and Tracking

We use cookies to make the site work properly and improve your experience. Here's the breakdown:

Essential Cookies

These keep the site functioning—login sessions, security features, and basic navigation. They can't be disabled without breaking core functionality.

Analytics Cookies

Help us understand which pages are popular and where people get stuck. The data is aggregated and anonymized.

Preference Cookies

Remember your settings like language preferences or whether you've dismissed certain notifications.

You can control cookies through your browser settings. Disabling certain types might affect how the site works for you.

Data Retention

We don't keep your information longer than necessary. Here's our approach:

• Account data: Retained while your account is active, plus 7 years for financial records as required by Australian tax law
• Course progress and materials: Kept for the duration of your enrollment plus 2 years
• Marketing communications: Until you unsubscribe or request deletion
• Technical logs: Typically 12 months, then automatically deleted
• Support correspondence: 3 years for quality assurance and dispute resolution

After these periods, data is securely deleted or anonymized so it can't be traced back to you.

Children's Privacy

Our services are designed for adults making financial decisions. We don't knowingly collect information from anyone under 18. If you're a parent who believes we've accidentally collected data about your child, contact us immediately and we'll delete it.

International Data Transfers

We primarily store data in Australia, but some service providers operate globally. When data moves overseas, we ensure:

• The receiving country has adequate privacy protections under Australian standards
• Contractual safeguards are in place requiring equivalent protection
• You're informed about where your data is going and why

Most of our infrastructure stays within Australia. When it doesn't, we're transparent about it.

Changes to This Policy

We'll update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email or a prominent site notice at least 30 days before they take effect.

Minor updates—like clarifying existing practices—won't trigger notifications, but we'll always update the "Last Updated" date at the top.

Continuing to use our services after changes take effect means you accept the updated policy.

Making a Complaint

If you're unhappy with how we've handled your information, we want to know. Here's the process:

• Contact us directly using the details below—we'll investigate and respond within 30 days
• If you're not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC)
• The OAIC provides free, independent complaint handling for privacy issues

We take complaints seriously and will work with you to resolve concerns fairly.