Information We Collect

We collect information that you provide directly to us, information we gather automatically when you use our services, and information from third parties in certain circumstances.

• Personal details including your name, email address, phone number, and postal address when you register for our services
• Financial information relevant to your learning goals, such as income ranges and budgeting objectives
• Educational progress data including course completions, quiz results, and learning milestones
• Communication records when you contact our support team or participate in community discussions
• Technical information such as IP addresses, browser types, and device identifiers
• Usage patterns including pages visited, time spent on our platform, and feature interactions

How We Use Your Information

Your personal information helps us provide personalized financial education and improve our services. We use this data to create meaningful learning experiences tailored to your needs.

• Delivering educational content and tracking your progress through our budget literacy programs
• Customizing learning recommendations based on your goals and current knowledge level
• Sending important updates about your account, course materials, and platform changes
• Providing customer support and responding to your inquiries or feedback
• Analyzing platform usage to improve our educational content and user experience
• Ensuring platform security and preventing unauthorized access to your account
• Complying with legal obligations and regulatory requirements

Information Sharing and Disclosure

We maintain strict controls over who can access your personal information. Sharing only occurs in specific circumstances and always with appropriate safeguards in place.

• Service providers who help us operate our platform, process payments, or deliver educational content under strict confidentiality agreements
• Educational partners when you specifically enroll in joint programs, with your explicit consent
• Legal authorities when required by law, court order, or to protect our rights and safety
• Professional advisors including lawyers and auditors who assist with business operations under confidentiality obligations
• Potential buyers in the unlikely event of a business sale or merger, subject to equivalent privacy protections

Before sharing your information with any third party, we ensure they meet our privacy standards and commit to protecting your data according to Australian privacy laws.

Data Security and Storage

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.

• Industry-standard encryption for data transmission and storage
• Regular security assessments and vulnerability testing of our systems
• Access controls limiting staff access to personal information on a need-to-know basis
• Secure data centers located in Australia with 24/7 monitoring and backup systems
• Regular staff training on privacy and security best practices
• Incident response procedures to quickly address any potential security breaches

While we implement strong security measures, no system is completely secure. We encourage you to use strong passwords and log out of your account when using shared devices.

Your Rights and Choices

Under Australian privacy law, you have several important rights regarding your personal information. We're committed to helping you exercise these rights easily and effectively.

• Access your personal information and receive a copy of the data we hold about you
• Correct inaccurate or incomplete personal information in your account
• Request deletion of your personal information, subject to legal retention requirements
• Object to or restrict certain types of data processing
• Opt out of marketing communications while continuing to receive important account updates
• Request data portability to transfer your information to another service provider
• Lodge a complaint with us or the Office of the Australian Information Commissioner

To exercise any of these rights, contact our privacy team using the information provided below. We'll respond to your request within 30 days and may require identity verification for security purposes.

Data Retention

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of information have different retention periods based on their purpose and legal requirements.

• Account information is retained while your account remains active and for 2 years after account closure
• Educational progress records are kept for 7 years to support certification and learning history
• Financial transaction records are maintained for 7 years as required by Australian tax law
• Marketing communication preferences are stored until you unsubscribe or request deletion
• Technical logs and analytics data are typically retained for 2 years for security and improvement purposes
• Support communications are kept for 3 years to ensure consistent service quality

When retention periods expire, we securely delete or anonymize your information. Some data may be retained longer if required by law or for legitimate business purposes such as fraud prevention.

International Data Transfers

While we primarily store and process your data in Australia, some of our service providers may be located overseas. We ensure appropriate safeguards are in place for any international data transfers.

When we transfer personal information outside Australia, we use mechanisms such as contractual clauses, adequacy decisions, or certification schemes to ensure your data receives equivalent protection to what it would receive under Australian privacy law.

Countries where your data might be processed include the United States and New Zealand, chosen for their robust privacy frameworks and our ability to enforce strong contractual protections.

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your experience and provide personalized services. You can control these technologies through your browser settings.

• Essential cookies required for platform functionality and security
• Performance cookies that help us understand how you use our platform
• Personalization cookies that remember your preferences and learning progress
• Analytics tools to measure and improve our educational content effectiveness

You can disable cookies in your browser settings, though this may limit some platform functionality. We respect Do Not Track signals and provide clear options for managing your privacy preferences.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. We'll notify you of any material changes through your account email or platform notifications.

Minor updates that don't affect your rights will be posted with a revised effective date. Significant changes will include a clear summary of modifications and may require your consent where legally required.

We encourage you to review this policy periodically to stay informed about how we protect your privacy. The current version is always available on our platform and reflects our ongoing commitment to data protection.