Information We Collect

When you sign up for our programs or browse our site, we gather different types of information. Some you give us directly. Other bits come from how you interact with our platform.

Personal Information You Provide

This includes details you share when enrolling in courses, creating an account, or reaching out to our team:

• Full name and contact details including email address and phone number
• Postal address for program materials or certificate delivery
• Payment information processed through secure third-party providers
• Educational background and professional experience when relevant to program placement
• Communication preferences and feedback you share with us

Automatically Collected Information

Like most websites, we track certain technical information to improve your experience and keep our platform running smoothly:

• Device information such as browser type, operating system, and screen resolution
• IP address and general location data to provide localised content
• Pages visited, time spent on sections, and navigation patterns
• Course progress, assessment results, and learning module completion
• Session duration and interaction timestamps for platform analytics

How We Use Your Information

We're not in the business of collecting data for the sake of it. Everything we gather serves a purpose tied to delivering better education and support.

Specific uses include:

• Delivering course content and tracking your progress through our programs
• Processing enrolments and managing your account access
• Sending important updates about your courses, schedules, or policy changes
• Responding to your questions and providing technical support
• Improving our educational content based on aggregated learning patterns
• Ensuring platform security and preventing fraudulent activity
• Meeting legal obligations under Australian privacy legislation

We don't sell your personal information to third parties. Period. That's not our business model, and it never will be.

Data Storage and Security

Your information lives on secure servers primarily located in Australia, with some cloud backup systems operating through internationally certified providers. We use industry-standard encryption for data transmission and storage.

Security Measures

While no system is completely bulletproof, we take these steps to protect your data:

• SSL encryption for all data transmitted between your device and our servers
• Regular security audits and vulnerability assessments
• Restricted access to personal information on a need-to-know basis
• Secure password requirements and optional two-factor authentication
• Regular backups stored in geographically separate locations
• Employee training on data protection and privacy obligations

Sharing Your Information

We share your data only when necessary to deliver our services or meet legal requirements. Here's who might see your information:

All third-party providers we work with must meet strict data protection standards. We sign data processing agreements that require them to handle your information securely and only for specified purposes.

Your Privacy Rights

Under Australian privacy law, specifically the Privacy Act 1988 and Australian Privacy Principles, you have several rights regarding your personal information. These aren't just theoretical—we honour them.

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days of your request, usually in a portable format like PDF or CSV. There's no charge for reasonable requests, though we might apply a small fee for extensive data retrieval.

Correct Inaccurate Data

Noticed something wrong in your profile? You can update most information directly through your account settings. For details you can't change yourself, contact us and we'll make corrections within 30 days.

Request Deletion

You can ask us to delete your personal information, subject to certain limitations. We might need to retain some records for legal compliance, dispute resolution, or legitimate business purposes. When we delete data, it's removed from active systems and scheduled for permanent deletion from backups.

Object to Processing

You can object to how we process your information for marketing purposes. We'll stop immediately. For other processing activities essential to providing our services, we'll evaluate your request and explain our decision.

Lodge a Complaint

If you believe we've mishandled your personal information, please tell us first so we can fix it. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner at oaic.gov.au.

Cookies and Tracking

Our website uses cookies and similar technologies. These small files help us remember your preferences, keep you logged in, and understand how people use our platform.

Types of Cookies We Use

• Essential cookies required for basic site functionality and security
• Preference cookies that remember your settings and choices
• Analytics cookies helping us understand usage patterns
• Marketing cookies for relevant educational content recommendations

You can control cookies through your browser settings, though disabling some may affect site functionality. Our cookie banner lets you manage preferences when you first visit.

Data Retention

We don't keep your information forever. Retention periods depend on the type of data and our legal obligations:

• Active account data retained while your account remains open
• Course progress and completion records kept for seven years
• Financial transaction records maintained for seven years per Australian tax law
• Marketing communications stored until you unsubscribe or for two years of inactivity
• Technical logs and analytics data typically retained for 12 months

After retention periods expire, we securely delete or anonymise your information so it can no longer identify you.

Children's Privacy

Our programs target adults interested in financial education. We don't knowingly collect information from anyone under 18. If we discover we've inadvertently gathered data from a minor, we'll delete it promptly.

Parents or guardians who believe their child has provided us with personal information should contact us immediately.

International Data Transfers

While we primarily operate within Australia, some service providers we use may store or process data internationally. When this happens, we ensure appropriate safeguards are in place, such as standard contractual clauses or Privacy Shield certification where applicable.

Countries outside Australia may have different privacy standards. We only transfer data internationally when necessary and with proper protections in place.

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 via email or through a prominent notice on our website.

The "Last Updated" date at the top shows when we last revised this policy. Continuing to use our services after changes take effect means you accept the updated terms.