Privacy Policy

What Information We Collect

When you use our services or visit our website, we collect several types of information. Some you provide directly, and some we gather automatically through your interactions with our platform.

Information You Provide

• Personal details like your name, email address, phone number, and postal address when you register for courses or contact us
• Payment information including billing address and transaction details when you enroll in paid programs
• Educational background and professional experience you share during course applications
• Course progress data, quiz responses, and assignment submissions throughout your learning journey
• Communications you send us through contact forms, emails, or phone conversations

Information Collected Automatically

• Device information including IP address, browser type, operating system, and device identifiers
• Usage data showing which pages you visit, how long you stay, and what features you interact with
• Location data based on your IP address to help us understand regional demand patterns
• Cookies and similar tracking technologies that remember your preferences and improve site performance

How We Use Your Information

Your data serves specific purposes related to delivering quality financial education. Here's what we actually do with it:

We occasionally send marketing emails about new courses or relevant educational opportunities. You can opt out anytime through the unsubscribe link in those emails—we won't take it personally.

Data Storage and Security

Your information lives on secure servers located in Australia, though some data may be processed by trusted service providers operating in other countries with adequate data protection standards.

Security Measures

• Industry-standard encryption for data transmission and storage
• Regular security audits and vulnerability assessments
• Restricted access controls—only authorized personnel can view your data
• Secure backup systems to prevent data loss
• Staff training on data protection and privacy practices

No system is completely foolproof, but we take reasonable precautions to protect your information from unauthorized access, alteration, or destruction. If we detect a data breach that might affect you, we'll notify you promptly as required by Australian law.

Retention Periods

We keep your personal information only as long as necessary for the purposes outlined in this policy. Generally:

• Active student records remain accessible throughout your enrollment and for seven years after course completion (tax and education compliance requirements)
• Marketing communications data is retained until you unsubscribe or request deletion
• Payment records are kept for seven years per Australian taxation law
• Website usage data typically expires after 26 months

Your Rights and Choices

Australian privacy law gives you several rights over your personal information. You're not just a data point to us—these rights matter, and we respect them.

Access and Correction

You can request a copy of the personal information we hold about you. If something's inaccurate or outdated, let us know and we'll fix it. There's no charge for reasonable requests, though we might ask you to verify your identity first.

Deletion and Restriction

You can ask us to delete your personal information in certain circumstances—like when it's no longer needed for the original purpose, or you withdraw consent. Keep in mind we might need to retain some data for legal reasons, but we'll explain that if it applies.

You can also request that we stop processing your data temporarily while we sort out accuracy concerns or legitimate interest questions.

Objection and Portability

If we're processing your data based on legitimate interests, you can object. We'll stop unless we have compelling grounds to continue. For marketing, you can opt out anytime—no questions asked.

Where technically feasible, we can provide your data in a structured, commonly used format so you can transfer it elsewhere.

Cookies and Tracking

Like most websites, we use cookies—small text files stored on your device that help the site remember you and function properly.

Types of Cookies We Use

• Essential cookies: Required for basic site functionality like logging in and accessing course materials
• Performance cookies: Help us understand how visitors use the site so we can improve it
• Functionality cookies: Remember your preferences like language settings or username
• Analytics cookies: Provide insights into site traffic patterns and user behavior

You can control cookie settings through your browser, though disabling certain cookies might affect site functionality. Most browsers let you block third-party cookies while keeping first-party ones active—a decent middle ground if you're privacy-conscious.

Third-Party Services

We work with carefully selected service providers who help us deliver our education platform. These include payment processors, email service providers, cloud hosting companies, and analytics platforms.

These providers only access the data necessary to perform their specific functions, and they're contractually obligated to protect your information. They can't use it for their own purposes.

Key Service Partners

• Payment processing through secure financial institutions compliant with banking standards
• Email delivery services for course communications and updates
• Cloud storage providers for course materials and student records
• Analytics platforms to understand site performance and user experience

If we ever change service providers or add new ones that might affect your data, we'll update this policy. We don't share data with social media platforms or data brokers.

International Data Transfers

While we primarily store data in Australia, some service providers operate globally. When your information crosses borders, we ensure it receives adequate protection through:

• Contractual clauses requiring equivalent privacy standards
• Verification that destination countries have adequate data protection frameworks
• Additional security measures where needed to maintain protection levels

Your data won't travel internationally without proper safeguards in place. If you have concerns about specific countries or regions, contact us to discuss your situation.

Children's Privacy

Our services target adults interested in financial education. We don't knowingly collect personal information from anyone under 18 without parental consent.

If you're a parent or guardian who discovers your child has provided us with information without your knowledge, contact us immediately. We'll delete it promptly.

For students aged 16-17 enrolling with parental permission, we require guardian consent and maintain the same privacy protections outlined in this policy.

Changes to This Policy

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

The effective date at the top of this page shows when the current version took effect. We recommend checking back occasionally, especially before sharing new personal information with us.

Continued use of our services after policy changes means you accept the updated terms. If you disagree with changes, you can close your account—though we'd be sorry to see you go.

Complaints and Disputes

If you believe we've mishandled your personal information or violated privacy principles, please contact us first. We'll investigate and respond within a reasonable timeframe—usually 30 days.

If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner:

The OAIC provides independent review of privacy complaints and can investigate whether we've breached the Privacy Act.