Privacy Policy

What This Policy Covers

• Personal information collection practices and purposes
• How we use and share your information
• Your rights regarding your personal data
• Security measures we implement to protect your information
• Data retention and deletion procedures
• Contact information for privacy-related inquiries

Personal Information You Provide

• Contact details including name, email address, phone number, and postal address
• Account information when you register for our services
• Financial goals and preferences you share during consultations
• Payment information for course enrollments and service purchases
• Communication records including emails, chat messages, and phone call logs
• Survey responses and feedback you provide about our services

Automatically Collected Information

• Website usage data including pages visited, time spent, and navigation patterns
• Device information such as IP address, browser type, and operating system
• Cookies and similar tracking technologies for website functionality
• Location information based on IP address for service customization
• Technical data about how you interact with our digital content

Third-Party Information Sources

We may receive information about you from publicly available sources, marketing partners, or service providers, but only where you have provided consent or where legally permitted under Australian privacy laws.

Primary Service Purposes

• Delivering financial mindset courses and educational content
• Providing personalized financial coaching and guidance
• Processing enrollments and managing your course progress
• Responding to inquiries and providing customer support
• Sending important service updates and course notifications
• Facilitating communication between instructors and students

Business Operations and Improvement

• Analyzing website usage to improve user experience
• Conducting research to enhance our educational programs
• Maintaining accurate records for business continuity
• Complying with legal obligations and regulatory requirements
• Protecting against fraud and ensuring account security

Marketing Communications (With Consent)

With your explicit consent, we may use your information to send marketing communications about new courses, special offers, and relevant financial education content. You can opt out of marketing communications at any time using the unsubscribe link in our emails or by contacting us directly.

Service Providers and Partners

• Payment processors for secure transaction handling
• Technology providers who help deliver our online courses
• Email service providers for course communications
• Website hosting and cloud storage providers
• Analytics services to understand website usage patterns

All third-party service providers are carefully selected and bound by contractual agreements that require them to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your information when required by law, such as in response to court orders, subpoenas, or regulatory investigations. We will notify you of such disclosures where legally permitted and practically possible.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the new entity. We would provide notice and ensure the receiving party commits to protecting your information according to this privacy policy.

Access and Correction Rights

• Request access to the personal information we hold about you
• Ask for corrections to inaccurate or outdated information
• Request a copy of your personal information in a portable format
• Receive details about how your information has been used and shared

Control Over Your Information

• Opt out of marketing communications at any time
• Request deletion of your personal information (subject to legal requirements)
• Restrict certain uses of your information
• Update your preferences for how we contact you

How to Exercise Your Rights

To exercise any of these rights, contact us using the information provided at the end of this policy. We may need to verify your identity before processing certain requests. Most requests will be handled free of charge, though we may charge reasonable fees for excessive or repetitive requests.

Technical Safeguards

• SSL encryption for all data transmitted through our website
• Secure servers with regular security updates and monitoring
• Access controls limiting staff access to personal information
• Regular security audits and vulnerability assessments
• Secure backup systems for data recovery and continuity

Organizational Security Measures

• Privacy training for all staff handling personal information
• Confidentiality agreements with employees and contractors
• Clear data handling procedures and incident response protocols
• Regular review of access permissions and data handling practices

Data Breach Response

In the unlikely event of a data breach that could result in serious harm, we will notify affected individuals and relevant authorities as required by Australian law. We maintain detailed incident response procedures to minimize any potential impact.

Retention Periods

• Course enrollment and progress data: 7 years after course completion
• Financial transaction records: 7 years as required by Australian tax law
• Marketing consent records: Until consent is withdrawn plus 2 years
• Website usage data: 2 years for analytics and improvement purposes
• Communication records: 3 years for customer service quality assurance

Secure Deletion Process

When information is no longer needed, we securely delete or anonymize it using industry-standard methods. This includes overwriting digital files and physically destroying any paper records containing personal information.

Types of Cookies We Use

• Essential cookies for website functionality and security
• Analytics cookies to understand how visitors use our site
• Preference cookies to remember your settings and choices
• Marketing cookies to deliver relevant content and advertisements

Managing Cookie Preferences

You can control cookie settings through your browser options or by using our cookie preference center when available. Disabling certain cookies may limit some website functionality, but essential features will continue to work.

How We Notify You of Changes

• Email notifications for significant policy changes
• Website banners highlighting updated sections
• Updated effective date at the top of this policy
• Archive of previous policy versions available upon request