Information We Collect

When you use our financial education platform, we may collect several types of information to provide you with the best possible learning experience. This includes personal information you provide directly to us and information we automatically collect about your usage patterns.

Personal Information

• Name, email address, and contact details when you register for courses
• Payment information processed through secure third-party providers
• Educational background and learning preferences you share with us
• Communications you send to our support team or instructors

Automatically Collected Information

• Device information including IP address, browser type, and operating system
• Usage data such as pages visited, time spent on lessons, and learning progress
• Cookies and similar tracking technologies for website functionality

How We Use Your Information

We use the information we collect to deliver educational content, improve our platform, and communicate with you about your learning journey. Your data helps us create a more personalized and effective educational experience.

• Providing access to financial education courses and resources
• Tracking your learning progress and issuing certificates of completion
• Sending course updates, reminders, and educational newsletters
• Improving our platform based on user behavior and feedback
• Providing customer support and responding to your inquiries
• Complying with legal requirements and protecting against fraud

Information Sharing and Disclosure

We respect your privacy and do not sell your personal information to third parties. We only share your information in specific circumstances that are necessary for providing our services or required by law.

Service Providers

We work with trusted third-party service providers who help us operate our platform. These may include payment processors, email service providers, and cloud hosting services. All service providers are required to maintain the confidentiality of your information.

Legal Requirements

We may disclose your information if required by law, court order, or government regulation. This includes situations where disclosure is necessary to protect our rights, your safety, or the safety of others.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring organization. We will notify you of any such change in ownership or control of your personal information.

Your Rights Under Australian Privacy Law

Under the Australian Privacy Principles, you have several rights regarding your personal information. We are committed to helping you exercise these rights and maintaining transparency about our data practices.

• Access: You can request a copy of the personal information we hold about you
• Correction: You can ask us to correct any inaccurate or incomplete information
• Deletion: You can request deletion of your personal information, subject to certain exceptions
• Objection: You can object to certain types of processing, particularly for marketing purposes
• Portability: You can request your data in a portable format to transfer to another service

To exercise any of these rights, please contact us using the information provided at the bottom of this policy. We will respond to your request within 30 days and may need to verify your identity before processing certain requests.

Data Security and Protection

We take the security of your personal information seriously and have implemented comprehensive measures to protect it from unauthorized access, alteration, disclosure, or destruction.

Technical Safeguards

• SSL encryption for all data transmission between your device and our servers
• Secure cloud storage with regular backups and redundancy
• Regular security updates and vulnerability assessments
• Access controls and authentication systems for our staff

Administrative Safeguards

• Regular staff training on privacy and security best practices
• Strict access controls limiting who can view your personal information
• Incident response procedures in case of any security breaches

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and fulfill the purposes outlined in this policy. Different types of information may be retained for different periods based on their purpose and legal requirements.

• Account information: Retained while your account is active and for 7 years after closure
• Course progress and certificates: Retained for 10 years to verify educational achievements
• Payment records: Retained for 7 years as required by Australian tax law
• Marketing preferences: Retained until you opt out or close your account
• Support communications: Retained for 3 years for quality assurance

When we no longer need your information, we securely delete it from our systems. You can request early deletion of your data, though we may need to retain certain information to comply with legal obligations.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze how our website is used. You have control over how these technologies are used on your device.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality and cannot be disabled
• Performance Cookies: Help us understand how visitors interact with our website
• Functional Cookies: Remember your preferences and provide enhanced features
• Marketing Cookies: Used to deliver relevant advertisements and measure campaign effectiveness

You can manage cookie preferences through your browser settings or our cookie consent banner. Disabling certain cookies may affect your ability to use some features of our platform.

International Data Transfers

Some of our service providers may be located outside Australia, which means your personal information might be transferred to and processed in other countries. We ensure that any international transfers comply with Australian privacy law requirements.

• We only transfer data to countries with adequate privacy protection or implement additional safeguards
• All international service providers must contractually agree to protect your information
• We regularly review the security practices of our international partners

Children's Privacy

Our financial education platform is designed for adult learners aged 18 and over. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can address the situation appropriately.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will notify you by email or through a prominent notice on our website.

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes indicates your acceptance of the updated policy.