Privacy Policy

Information We Collect

When you engage with our budget education platform, we collect information that helps us provide better learning experiences. This includes details you share directly with us and information gathered automatically through your interactions with our services.

Personal Information You Provide

• Contact details including your name, email address, phone number, and mailing address when you register for courses or request information
• Educational background and financial goals you share during program enrollment to help us tailor your learning experience
• Payment information processed securely through our payment providers when you enroll in paid programs
• Communications you send us through contact forms, emails, or phone calls, including any questions about budgeting techniques or course content
• Survey responses and feedback about your learning progress and program satisfaction

Automatically Collected Information

Our website automatically gathers certain technical information to improve functionality and user experience. This includes your IP address, browser type, device information, and how you navigate through our educational materials.

How We Use Your Information

Your information helps us deliver effective budget education and support your financial learning journey. We're committed to using your data responsibly and only for purposes that benefit your educational experience.

• Providing access to educational materials, courses, and personalised learning recommendations based on your goals
• Processing enrollment applications and managing your participation in our programs
• Sending course updates, educational resources, and important program announcements via email
• Improving our educational content and platform functionality based on user feedback and engagement patterns
• Providing customer support and responding to your questions about budgeting concepts or technical issues
• Conducting research to enhance our teaching methods and develop new educational resources

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share certain information in specific circumstances to support your educational experience or meet legal requirements.

Sharing Scenario	Information Shared	Purpose
Service Providers	Contact and payment details	Processing payments, sending emails, hosting services
Educational Partners	Progress reports (anonymised)	Collaborative program development and accreditation
Legal Compliance	Relevant personal information	Meeting legal obligations or protecting rights
Business Transfer	All collected information	Merger, acquisition, or sale of business assets

Your Rights Under Australian Privacy Law

Under the Australian Privacy Principles, you have several rights regarding your personal information. We're committed to helping you exercise these rights and maintaining transparency about our data practices.

Access and Correction Rights

You can request access to the personal information we hold about you, including your learning progress, contact details, and communication history. If you notice any inaccuracies, we'll work with you to correct them promptly.

Withdrawal of Consent

You can withdraw consent for marketing communications at any time by clicking unsubscribe links in our emails or contacting us directly. Note that withdrawing consent may limit our ability to provide certain services or educational updates.

Data Security and Protection

Protecting your information is fundamental to our operations. We implement multiple layers of security to safeguard your personal data against unauthorised access, modification, or disclosure.

• Industry-standard encryption for data transmission and storage, particularly for payment and sensitive personal information
• Regular security assessments and updates to our systems and procedures
• Restricted access controls ensuring only authorised staff can access personal information for legitimate business purposes
• Secure backup systems and disaster recovery procedures to protect against data loss
• Staff training on privacy obligations and secure data handling practices

Data Retention and Deletion

We keep your information only as long as necessary to provide educational services and meet legal requirements. Different types of information have different retention periods based on their purpose and regulatory requirements.

Retention Periods

• Student enrollment records: Retained for 7 years after course completion to support career development and reference requests
• Payment and financial records: Kept for 7 years to comply with Australian taxation and business record requirements
• Marketing communications data: Deleted within 2 years of your last interaction unless you remain subscribed
• Website analytics data: Anonymised and aggregated data may be retained longer for service improvement purposes

Cookies and Tracking Technologies

Our website uses cookies to enhance your learning experience and remember your preferences. Understanding how we use these technologies helps you make informed decisions about your privacy settings.

Types of Cookies We Use

• Essential cookies that enable basic website functionality and secure access to your student portal
• Performance cookies that help us understand which educational content is most helpful to students
• Preference cookies that remember your course settings and personalisation choices
• Analytics cookies that provide insights into how we can improve our educational platform

International Data Transfers

While we primarily store data within Australia, some of our service providers may process information overseas. When this occurs, we ensure appropriate safeguards are in place to protect your privacy.

Any international transfers comply with Australian privacy legislation, including ensuring adequate protection through contracts, certification schemes, or transfers to countries with substantially similar privacy laws.

Changes to This Privacy Policy

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

We encourage you to review this policy regularly, especially before enrolling in new programs or updating your personal information. The "Last Updated" date at the top indicates when the most recent changes were made.

Privacy Complaints Process

If you believe we've mishandled your personal information or have concerns about our privacy practices, we want to hear from you. We take all privacy complaints seriously and investigate them thoroughly.