Privacy Policy

Information We Collect

Personal Information You Provide

When you register for our services, we collect information that you voluntarily provide to us. This includes your name, email address, phone number, postal address, and payment information when you purchase our learning programs or study materials.

• Account registration details including full name and contact information
• Payment and billing information for course purchases and subscriptions
• Profile information such as educational background and financial goals
• Communications you send to us, including support requests and feedback
• Survey responses and participation in research studies

Automatically Collected Information

Our platform automatically collects certain information about your device and how you interact with our services. This technical data helps us improve your experience and maintain the security of our platform.

• Device information including IP address, browser type, and operating system
• Usage data such as pages visited, time spent on content, and feature interactions
• Learning progress and course completion statistics
• Cookies and similar tracking technologies for functionality and analytics

How We Use Your Information

We use your personal information to provide and improve our financial education services, personalize your learning experience, and communicate with you about your account and our offerings.

• Delivering educational content and tracking your learning progress
• Processing payments and managing your account subscriptions
• Personalizing course recommendations based on your interests and goals
• Sending important updates about your courses and account status
• Providing customer support and responding to your inquiries
• Improving our platform through usage analytics and user feedback
• Ensuring platform security and preventing fraudulent activities

Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. However, we may share your information in specific circumstances outlined below, always with appropriate safeguards in place.

Service Providers

We work with trusted third-party service providers who help us operate our platform and deliver our services. These companies are contractually obligated to protect your information and use it only for the specific services they provide to us.

• Payment processors for secure transaction handling
• Cloud hosting providers for data storage and platform infrastructure
• Email service providers for course communications and updates
• Analytics providers for platform performance and user experience insights

Legal Requirements

We may disclose your information when required by law, such as in response to court orders, government investigations, or to protect the rights and safety of our users and the public.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security practices include both technical and administrative safeguards.

• Encryption of sensitive data both in transit and at rest using industry-standard protocols
• Regular security audits and vulnerability assessments of our systems
• Access controls limiting employee access to personal information on a need-to-know basis
• Secure payment processing through PCI DSS compliant payment providers
• Regular backup procedures and disaster recovery planning
• Monitoring systems to detect and respond to potential security incidents

Your Privacy Rights and Choices

You have several rights regarding your personal information, and we provide easy ways for you to exercise these rights. We believe in giving you control over your data and privacy preferences.

Access and Correction

You can access and update most of your personal information through your account dashboard. For information that cannot be updated directly, you can contact our support team for assistance.

Data Portability

You have the right to request a copy of your personal data in a structured, commonly used format. This includes your learning progress, course history, and profile information.

Deletion Rights

You may request deletion of your personal information, subject to certain legal and operational requirements. We will retain some information as required by law or for legitimate business purposes.

• Request access to all personal information we hold about you
• Correct inaccurate or incomplete information in your profile
• Delete your account and associated personal data
• Object to certain uses of your information for marketing purposes
• Withdraw consent for optional data processing activities

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services, comply with legal obligations, and resolve disputes. Different types of information are retained for different periods based on their purpose and legal requirements.

• Account information is retained while your account is active and for 3 years after closure
• Learning progress and course data is kept for 5 years to support ongoing education
• Payment records are maintained for 7 years as required by Australian financial regulations
• Marketing communications data is deleted within 2 years of unsubscribing
• Technical logs and security data are automatically deleted after 12 months

When we delete your information, we ensure it is permanently removed from our active systems. Some information may remain in backup systems for a limited time before being permanently destroyed.

International Data Transfers

As an Australian-based company, your personal information is primarily stored and processed within Australia. However, some of our service providers may process data in other countries with appropriate safeguards in place.

When we transfer personal information internationally, we ensure adequate protection through approved mechanisms such as standard contractual clauses and adequacy decisions. We regularly review our international data transfer practices to maintain compliance with privacy laws.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform, remember your preferences, and analyze how our services are used. You can control cookie settings through your browser preferences.

• Essential cookies required for platform functionality and security
• Preference cookies to remember your settings and customizations
• Analytics cookies to understand how users interact with our content
• Performance cookies to optimize loading times and user experience

Children's Privacy

Our services are designed for adults and we do not knowingly collect personal information from children under 13 years of age. If we become aware that we have collected information from a child under 13, we will take steps to delete that information promptly.

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

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, services, or legal requirements. We will notify you of significant changes through email or prominent notices on our platform.

We encourage you to review this policy periodically to stay informed about how we protect your information. The date at the top of this policy indicates when it was last updated.