Privacy Policy

1. Information We Collect

We collect information directly from you when you interact with our services. This happens in several ways, and we want to be clear about what we're gathering and why.

Personal Information You Provide

When you sign up for our business budget programs or contact us for information, we collect:

• Your full name and business name (if applicable)
• Email address and phone number
• Mailing address for program materials or correspondence
• Payment information when you enroll in paid programs
• Educational background and business experience (for program placement)
• Communication preferences and any specific learning needs

Automatically Collected Information

Our website collects certain technical information when you visit. This includes your IP address, browser type, device information, and pages you view. We use this to understand how people navigate our site and where we can improve the experience.

2. How We Use Your Information

Your information serves specific purposes related to providing quality financial education services. We don't collect data just for the sake of having it.

Primary Uses

• Processing program enrollments and managing your participation
• Sending course materials, schedules, and educational resources
• Responding to your questions and providing customer support
• Processing payments and maintaining billing records
• Improving our programs based on feedback and usage patterns
• Sending relevant updates about new programs or changes to existing offerings

We analyze website usage data to understand which content resonates with visitors and where people might be getting stuck. This helps us make better decisions about program development and website improvements.

3. Legal Basis for Processing (Australian Privacy Principles)

Under Australian privacy law, we need a valid reason to process your personal information. Here's where we stand:

We comply with the Privacy Act 1988 and the Australian Privacy Principles (APPs). If you have concerns about how we handle your information, you can contact the Office of the Australian Information Commissioner.

4. Information Sharing and Disclosure

We share your information in limited circumstances, and only when necessary for operating our business or when required by law.

Service Providers

We work with carefully selected service providers who help us run our programs:

• Payment processors for handling transactions securely
• Email service providers for sending program communications
• Cloud storage providers for maintaining program materials
• Website hosting and maintenance services

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

Legal Requirements

We may disclose your information if required by Australian law, court order, or government regulation. This includes responding to valid legal processes or protecting rights and safety when reasonably necessary.

5. Data Security and Protection

Protecting your information isn't just about following rules—it's about maintaining the trust you place in us when you share personal details.

Security Measures

• Encrypted connections (SSL/TLS) for all data transmission
• Secure servers with restricted physical and digital access
• Regular security audits and vulnerability assessments
• Employee training on data protection and confidentiality
• Multi-factor authentication for internal systems

That said, no system is completely immune to security breaches. We can't guarantee absolute security, but we take reasonable steps to protect your data and respond quickly if something goes wrong.

6. Data Retention

We don't keep your information forever. Our retention periods depend on the type of data and why we collected it.

Retention Periods

• Program records: 7 years after program completion (Australian tax requirements)
• Marketing communications: Until you unsubscribe or request deletion
• Website analytics: 26 months in aggregated form
• Customer support inquiries: 3 years for quality assurance
• Payment records: 7 years (Australian taxation law)

After these periods, we securely delete or anonymize your information. Some data may be retained longer if required by law or if you give us specific consent.

7. Your Rights and Choices

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

Access and Correction

You can request a copy of the personal information we hold about you. If something's incorrect or outdated, let us know and we'll fix it promptly. There's no charge for reasonable access requests.

Deletion Requests

You can ask us to delete your personal information, with some limitations. We might need to keep certain records for legal compliance (like financial records for tax purposes) or to fulfill existing service contracts.

Marketing Opt-Out

Every marketing email includes an unsubscribe link. Click it, and you're off the list within 48 hours. You can also contact us directly to manage your communication preferences.

Complaint Process

If you're unhappy with how we've handled your data, contact our privacy officer first. We'll investigate and respond within 30 days. If you're still not satisfied, you can lodge a complaint with the Office of the Australian Information Commissioner.

8. Cookies and Tracking Technologies

Our website uses cookies—small text files stored on your device that help the site function properly and give us insights into how people use it.

Types of Cookies We Use

• Essential cookies: Required for basic site functionality like secure login areas
• Analytics cookies: Help us understand which pages are popular and where visitors spend time
• Preference cookies: Remember your settings and choices for future visits

Most browsers let you control cookies through their settings. You can block or delete cookies, though this might affect how the website works. We don't use advertising cookies or third-party tracking pixels.

9. Third-Party Links

Our website occasionally links to external resources that might be helpful for your financial education journey. We don't control these sites and aren't responsible for their privacy practices.

When you click a link to another website, that site's privacy policy applies. We encourage you to read it before sharing personal information.

10. Children's Privacy

Our services target business professionals and adults interested in financial management education. We don't knowingly collect information from anyone under 18 years old.

If we discover we've accidentally collected information from a minor, we'll delete it promptly. Parents or guardians who believe we might have information about their child should contact us immediately.

11. Changes to This Policy

Business practices evolve, and so do privacy regulations. We update this policy periodically to reflect changes in our practices or legal requirements.

When we make significant changes, we'll notify enrolled program participants by email. The "Last Updated" date at the top shows when the most recent changes went into effect. Continued use of our services after changes indicates acceptance of the updated policy.

12. International Data Transfers

We primarily store and process data within Australia. Some service providers may store data on servers outside Australia, including in the United States or Europe.

When we transfer data internationally, we ensure adequate protections through standard contractual clauses or by working with providers who maintain Australian-equivalent privacy standards.