Privacy Policy

Information We Collect

When you use our budgeting education services, we collect information that helps us provide better financial learning experiences. This includes details you provide directly and information gathered through your interaction with our platform.

• Personal details like your name, email address, and phone number when you register for courses
• Payment information processed securely through our payment partners
• Learning progress data to track your educational journey
• Communication preferences and feedback you share with us
• Technical information about your device and browser when you visit our website

We only collect what's necessary to deliver our educational services effectively. You're always in control of what information you choose to share.

How We Use Your Information

Your information helps us create personalized learning experiences and maintain our educational platform. We use it thoughtfully and never sell your personal data to third parties.

• Delivering course content and tracking your learning progress
• Sending important updates about your enrolled programs
• Providing customer support and answering your questions
• Improving our courses based on student feedback and engagement patterns
• Processing payments and managing your account securely
• Complying with Australian financial education regulations and requirements

Information Sharing and Disclosure

We're selective about when and how we share your information. Most sharing happens to provide you with better services or meet legal requirements.

We may share your information with trusted service providers who help us operate our platform – things like payment processing, email delivery, and cloud storage. These partners follow strict data protection agreements.

• Payment processors for secure transaction handling
• Email service providers for course communications
• Cloud storage services that host our educational content
• Analytics services to understand how students use our platform

We'll also disclose information if required by Australian law, to protect our rights, or in cases of suspected fraud or security threats.

Data Security and Protection

Protecting your information is a priority. We use industry-standard security measures and regularly update our systems to keep your data safe.

• SSL/TLS encryption for all data transmission
• Secure password requirements and account protection measures
• Regular security updates and system monitoring
• Limited access controls for staff handling personal information
• Secure backup procedures and disaster recovery plans

While we implement strong security measures, no system is completely immune to threats. We'll notify you promptly if we discover any unauthorized access to your personal information.

Your Rights and Choices

Under Australian privacy laws, you have several rights regarding your personal information. We make it straightforward to exercise these rights.

• Access your personal information and receive a copy of what we hold
• Correct any inaccurate or outdated information in your account
• Request deletion of your personal information, subject to certain exceptions
• Object to certain uses of your information or request processing restrictions
• Withdraw consent for marketing communications at any time
• Request data portability for information you've provided to us

To exercise any of these rights, contact us using the information provided below. We'll respond within 30 days and help you understand any limitations that might apply.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and meet legal obligations. Different types of information have different retention periods.

• Course enrollment and progress data: Retained for 7 years after course completion
• Payment records: Kept for 7 years as required by Australian tax law
• Marketing communications: Deleted immediately upon unsubscribe request
• Account information: Deleted within 60 days of account closure request
• Technical logs and analytics: Automatically purged after 2 years

When we delete your information, we use secure deletion methods to ensure it cannot be recovered or reconstructed.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your browsing experience and understand how you interact with our content.

Essential cookies keep our website functioning properly, while analytics cookies help us understand which parts of our courses are most valuable to students. You can control cookie preferences through your browser settings.

• Essential cookies for login sessions and security features
• Analytics cookies to track website usage and course engagement
• Preference cookies to remember your settings and choices
• Third-party cookies from embedded content and payment processors

International Data Transfers

While we primarily store and process data within Australia, some of our service providers may be located overseas. When international transfers occur, we ensure appropriate safeguards are in place.

Children's Privacy

Our financial education services are designed for adults. We don't knowingly collect personal information from children under 18 without parental consent.

If we discover we've inadvertently collected information from a minor, we'll delete it promptly and take steps to prevent similar occurrences.

Changes to This Privacy Policy

We may update this privacy policy to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through email or a prominent notice on our website.

Minor updates may be posted without individual notification, so we encourage you to review this policy periodically. The effective date at the bottom shows when the policy was last updated.