Privacy Policy

Information We Collect

Personal Information

When you create an account or use our services, we collect information that identifies you personally. This includes your name, email address, phone number, and billing information when you enroll in our learning programs. We also collect demographic information such as your age, location, and financial experience level to personalise your learning experience.

Usage Data

We automatically collect information about how you interact with our platform. This includes pages visited, time spent on different sections, course completion rates, quiz scores, and feature usage patterns. We track your progress through our financial education modules to provide personalised recommendations and improve our content.

Technical Information

Our systems collect technical data including your IP address, browser type, device information, operating system, and connection details. This information helps us ensure our platform works properly across different devices and browsers whilst maintaining security.

How We Use Your Data

Service Delivery

We use your personal information primarily to deliver our financial education services. This includes creating your personalised learning dashboard, tracking your progress through courses, providing certificates of completion, and sending you relevant course materials and updates.

Communication

Your contact information allows us to send important updates about your account, course announcements, and educational content that matches your interests. We may also use your information to provide customer support and respond to your inquiries.

Platform Improvement

We analyse usage patterns and feedback to improve our educational content and platform functionality. This helps us understand which topics are most valuable to our users and identify areas where we can enhance the learning experience.

Data Sharing & Disclosure

Third-Party Service Providers

We work with carefully selected service providers who help us deliver our educational platform. These include payment processors, email service providers, cloud hosting services, and analytics platforms. All third parties are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by Australian law, court order, or to protect our legal rights. This includes cooperating with law enforcement investigations and complying with regulatory requirements in the financial education sector.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of the business. We'll notify you of any such transfer and ensure the new entity maintains the same privacy protections outlined in this policy.

Security Measures

Technical Safeguards

We implement industry-standard security measures to protect your personal information. This includes SSL encryption for data transmission, secure server hosting with regular security updates, and access controls that limit who can view your information within our organisation.

Administrative Controls

Our team receives regular privacy and security training. We maintain strict internal policies about data handling, and only authorised personnel have access to personal information on a need-to-know basis. All employees sign confidentiality agreements as part of their employment.

Physical Security

Our servers are hosted in secure data centres with physical access controls, surveillance systems, and environmental protections. We work with reputable hosting providers who maintain high security standards and regular security audits.

Incident Response

In the unlikely event of a data breach, we have procedures in place to respond quickly and effectively. This includes notifying affected users within 72 hours and taking immediate steps to secure any compromised information.

Your Rights

Access and Portability

You have the right to access all personal information we hold about you. You can request a copy of your data in a commonly used format, and we'll provide this within 30 days of your request. This includes your account details, learning progress, and any other information we've collected.

Correction and Updates

If any of your personal information is incorrect or outdated, you can update it through your account settings or contact us directly. We'll make the necessary corrections promptly and notify any third parties who may have received the incorrect information.

Deletion Rights

You can request deletion of your personal information at any time. We'll remove your data from our active systems within 30 days, though some information may be retained for legal or business purposes as outlined in our retention policy.

Marketing Preferences

You can opt out of marketing communications at any time by using the unsubscribe link in our emails or updating your preferences in your account settings. This won't affect essential service-related communications about your account or courses.

Data Retention

Active Account Data

We retain your personal information for as long as your account remains active or as needed to provide our services. This includes your profile information, course progress, and communication preferences.

Inactive Accounts

If your account remains inactive for more than 3 years, we may delete your personal information after providing 60 days' notice. You can reactivate your account during this notice period to prevent deletion.

Legal and Business Requirements

Some information may be retained longer for legal compliance, dispute resolution, or business purposes. For example, we may retain billing records for tax purposes and course completion certificates for verification purposes.

Deletion Process

When we delete your information, it's removed from our active systems and marked for deletion from backups. Complete removal from backup systems may take up to 90 days depending on our backup schedule.

Cookies & Tracking

Essential Cookies

We use essential cookies to make our website function properly. These include session cookies that keep you logged in and cookies that remember your preferences and settings. These cookies are necessary for the platform to work and can't be disabled.

Analytics Cookies

With your consent, we use analytics cookies to understand how users interact with our platform. This helps us improve our content and user experience. You can disable these cookies in your browser settings without affecting core functionality.

Marketing Cookies

We may use marketing cookies to show you relevant educational content and track the effectiveness of our marketing campaigns. These cookies are only placed with your explicit consent and can be disabled at any time.

Cookie Management

You can manage your cookie preferences through your browser settings or our cookie preference centre. We provide clear information about each type of cookie and allow you to choose which ones you're comfortable with.

Third-Party Services

Payment Processing

We use secure payment processors to handle billing information for our paid courses. These providers are PCI DSS compliant and handle your payment information according to strict security standards. We don't store complete payment card details on our servers.

Email Services

Our email communications are managed through third-party email service providers. These services help us send course updates, newsletters, and important account notifications. Your email address and communication preferences are shared with these providers solely for delivery purposes.

Cloud Hosting

Our platform is hosted on secure cloud infrastructure provided by reputable hosting companies. These providers maintain high security standards and comply with relevant data protection regulations.

Analytics Platforms

We use analytics services to understand user behaviour and improve our platform. These services collect aggregated, anonymised data about how our website is used. Individual users cannot be identified from this data.

International Transfers

Data Location

Your personal information is primarily stored and processed in Australia. However, some of our service providers may process data in other countries, including the United States and Europe.

Transfer Safeguards

When we transfer data internationally, we ensure appropriate safeguards are in place. This includes using service providers who comply with internationally recognised privacy frameworks and implementing contractual protections for your data.

Regional Compliance

We ensure that any international data transfers comply with Australian privacy law and maintain the same level of protection for your personal information regardless of where it's processed.

Policy Updates

Notification Process

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by email and display a prominent notice on our website.

Effective Date

Changes to this policy become effective 30 days after notification, giving you time to review the updates and make informed decisions about your account. Continued use of our services after the effective date constitutes acceptance of the updated policy.

Version History

We maintain a record of previous policy versions and their effective dates. You can request information about changes made to this policy and how they might affect your personal information.