Information We Collect

When you engage with our financial education programs, we collect different types of information. Some you provide directly, and some we gather as you use our services.

Information You Provide Directly

• Contact details like your name, email address, phone number, and postal address when you inquire about our programs
• Professional background information including your current role, industry experience, and educational history
• Payment information when you enroll in our programs, though we don't store complete credit card numbers on our servers
• Learning preferences and goals to help us tailor educational content to your needs
• Feedback and communications when you contact our support team or participate in surveys

Information We Collect Automatically

When you visit our website or use our online learning platform, certain technical information is collected automatically:

• Device information including your IP address, browser type, operating system, and device identifiers
• Usage data such as pages viewed, time spent on different sections, and navigation patterns
• Learning progress data including course completion rates, assessment scores, and engagement metrics
• Cookie data that helps us remember your preferences and improve site functionality

How We Use Your Information

We use your personal information for specific purposes related to delivering quality financial education. Here's what happens with the data we collect:

We don't use your information for purposes beyond what's described here without getting your permission first. And we certainly don't sell your personal data to third parties.

Sharing Your Information

We keep your information within our organization as much as possible. But sometimes we need to share certain data with trusted partners to deliver our services properly.

Service Providers We Work With

• Learning platform providers who host our course content and track your progress through the material
• Payment processors who handle transactions securely when you enroll in programs
• Email service providers who help us send course updates and educational content
• Cloud storage providers where we store encrypted copies of program materials and records
• Analytics services that help us understand how people use our website and improve the experience

Required Disclosures

Sometimes we're legally required to share information with government authorities or regulatory bodies. This might happen when:

• Australian tax authorities request records for compliance purposes
• Law enforcement agencies issue valid legal requests during investigations
• We need to protect our rights or the safety of our students and staff
• Professional accreditation bodies audit our educational standards

Data Security Measures

Protecting your information is something we think about constantly. We've put several layers of security in place to keep your data safe from unauthorized access or misuse.

• Encryption: All data transmitted between your device and our servers uses industry-standard SSL/TLS encryption. Sensitive information stored in our databases is also encrypted at rest.
• Access controls: Only authorized staff members can access personal information, and only when they need it to do their job. We maintain detailed logs of who accesses what data and when.
• Regular security audits: Our systems undergo quarterly security assessments to identify and fix potential vulnerabilities before they become problems.
• Secure facilities: Physical records are stored in locked cabinets within secure areas of our Melbourne office, accessible only to authorized personnel.
• Staff training: Everyone on our team receives regular training on data protection practices and privacy obligations.
• Incident response: We have procedures in place to respond quickly if a data breach occurs, including notification protocols required under Australian law.

While we do everything reasonable to protect your information, no system is completely secure. We recommend using strong passwords and being cautious about sharing login credentials.

Your Privacy Rights

You have significant control over your personal information. Australian privacy law gives you several rights regarding the data we hold about you.

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days, though we might need to verify your identity first. There's no charge for reasonable requests, but we may charge a small fee for extensive or repeated requests.

Correct Inaccurate Data

If you notice any errors in your information, let us know and we'll fix them promptly. You can update most details yourself through your account dashboard, or contact us for help with other corrections.

Delete Your Data

You can request deletion of your personal information in many circumstances. We'll comply unless we're required to keep certain records for legal or regulatory reasons. For example, we need to retain financial records for tax purposes, but we can delete marketing preferences immediately.

Restrict Processing

You can ask us to temporarily stop using your information in certain situations, such as when you're challenging the accuracy of data or when you need us to keep data we would otherwise delete because you need it for legal claims.

Object to Marketing

You can opt out of marketing communications anytime by clicking the unsubscribe link in emails or adjusting your preferences in your account. We'll still send essential service-related messages about programs you're enrolled in.

Data Portability

You can request your data in a structured, commonly used format that you can transfer to another service provider. This applies to information you've provided to us with your consent or under a contract.

Data Retention Periods

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

When retention periods expire, we securely delete or anonymize your information. Anonymized data that can't identify you personally may be retained indefinitely for research and analytics purposes.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your experience. Here's what you should know about how we use them.

Essential Cookies

These are necessary for the website to function properly. They enable basic features like page navigation, access to secure areas, and remembering your login status. You can't opt out of essential cookies if you want to use our services.

Analytics Cookies

We use analytics tools to understand how visitors interact with our website. This helps us identify which content is most valuable and where people encounter difficulties. The data collected is aggregated and anonymous.

Preference Cookies

These remember your choices like language preferences, text size, or other customizable elements. They make your experience more personalized without collecting identifying information.

Managing Your Cookie Preferences

Most browsers let you control cookies through their settings. You can block all cookies, accept only certain types, or delete existing cookies. Keep in mind that blocking essential cookies will affect site functionality.

We don't use advertising cookies or share cookie data with advertising networks. Our focus is on improving educational services, not tracking you across the internet.

International Data Transfers

We primarily store and process your data within Australia. However, some service providers we work with have servers in other countries, which means your information might occasionally be transferred overseas.

• Cloud infrastructure providers with servers in secure data centers across multiple regions
• Email services that route messages through international networks
• Payment processors that handle transactions through global banking systems

When data goes overseas, we ensure adequate protections are in place. This includes selecting providers in countries with strong privacy laws and using contracts that require equivalent protection to Australian standards.

If you have concerns about international transfers, you can contact us to discuss which specific services involve overseas processing and what safeguards apply.

Children's Privacy

Our financial education programs are designed for adults aged 18 and over. We don't knowingly collect information from anyone under 18 without parental consent.

If you're under 18 and interested in our programs, please have a parent or guardian contact us. If we discover we've collected information from someone under 18 without proper consent, we'll delete it promptly.

Changes to This Policy

We review and update this privacy policy periodically 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 a notice on our website.

The "Last Updated" date at the top shows when we most recently revised this policy. We encourage you to check back occasionally to stay informed about how we're protecting your information.

Continuing to use our services after we post changes means you accept the updated policy. If you disagree with changes, you can close your account and we'll delete your information according to our retention schedule.

Complaints and Disputes

If you're unhappy with how we've handled your personal information, we want to hear about it. Here's how to raise concerns:

• Contact our privacy officer using the details below describing your complaint
• We'll acknowledge your complaint within 5 business days
• We'll investigate and respond with our findings within 30 days
• If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC)