Information We Collect

We collect different types of information depending on how you use our services. Some information you give us directly, while other data comes from your interactions with our website and tools.

Personal Information You Provide

When you sign up for our budget planning program or contact us for support, you might share:

• Your name and email address
• Phone number if you request a callback
• Financial information relevant to budget planning (income ranges, expense categories)
• Payment details when enrolling in paid courses
• Questions or feedback you submit through our contact forms

Information We Collect Automatically

Our website gathers technical data to improve your experience. This includes your IP address, browser type, device information, and how you navigate through our pages. We use this to understand which resources are most helpful and where we can make improvements.

How We Use Your Information

We're pretty straightforward about data usage. Everything we collect serves a specific purpose related to delivering better budget planning education.

We don't sell your personal information to third parties. Never have, never will. Your data stays with us unless you specifically ask us to share it elsewhere, or we're legally required to disclose it.

Data Sharing and Third Parties

Running an education platform means working with some external services. We partner with trusted providers, but we're selective about who gets access to what.

Service Providers We Work With

• Payment Processors: To handle course fees securely. These companies only see transaction details necessary for processing payments.
• Email Services: For sending course materials and updates. They process email addresses and message content but can't use your data for their own purposes.
• Cloud Hosting: Our course materials and website run on secure servers. These providers maintain infrastructure but don't access personal content.
• Analytics Tools: To understand website usage patterns. We configure these to minimize personal data collection and avoid tracking across other websites.

All our service providers operate under strict contracts that limit how they can use your information. If a provider is based outside Australia, we ensure they meet equivalent privacy standards before sharing any data.

Your Privacy Rights

Australian privacy law gives you real control over your personal information. These aren't just theoretical rights – we've built systems to make them practical and accessible.

Access Your Information

You can request a copy of the personal data we hold about you. We'll provide it in a readable format within 30 days. There's no charge for reasonable requests, though we might ask for a small fee if you're requesting extensive records or making repeated requests within a short timeframe.

Correct Inaccurate Data

Found a mistake in your information? Let us know and we'll fix it promptly. You can update most details directly in your account settings, or contact us for records you can't change yourself.

Request Deletion

If you want us to delete your personal information, we'll do so unless we have a legal reason to keep it. For example, we need to maintain certain financial records for tax purposes, and we can't delete information involved in an active legal matter.

Opt Out of Marketing

Every marketing email includes an unsubscribe link. Click it once and you're off the list. We'll still send essential messages about courses you're enrolled in, but purely promotional content stops immediately.

Lodge a Complaint

If you're not satisfied with how we handle your privacy, you can file a complaint with us first. We take these seriously and will investigate thoroughly. If you're still not happy with our response, you have the right to contact the Office of the Australian Information Commissioner.

How We Protect Your Data

Security isn't just a checkbox for us. We use industry-standard encryption for data transmission and storage. Our servers are located in secure facilities with restricted physical access.

Staff members only access personal information when necessary for their role. We conduct regular security audits and update our systems to address emerging threats. While no system is completely impervious to attacks, we maintain multiple layers of protection.

Data Retention

We don't keep information longer than necessary. Different types of data have different retention periods based on legal requirements and practical needs.

• Active Course Data: Maintained while you're enrolled and for 12 months after course completion, so you can access materials and certificates.
• Financial Records: Kept for seven years to comply with Australian tax laws and accounting standards.
• Marketing Preferences: Stored until you change them or close your account.
• Support Correspondence: Retained for three years to track issue resolution and improve our services.
• Website Analytics: Aggregated and anonymized after 26 months, with personal identifiers removed.

When retention periods expire, we securely delete or anonymize the information so it can't be traced back to you.

Cookies and Tracking

Our website uses cookies – small text files stored on your device. Most are essential for the site to function properly, like remembering you're logged in. Others help us understand which pages are useful and which need work.

Types of Cookies We Use

• Essential Cookies: Required for login, security, and basic functionality. You can't disable these and still use the platform effectively.
• Performance Cookies: Track how visitors use the site so we can identify issues and improve navigation.
• Preference Cookies: Remember your settings like language and display options.

You can control cookies through your browser settings. Blocking cookies might affect how our website works for you, but you're free to make that choice.

Children's Privacy

Our services are designed for adults managing their personal finances. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal information, please contact us so we can delete it.

Changes to This Policy

Privacy practices evolve as technology and regulations change. When we update this policy, we'll post the new version here with a revised date. Significant changes will be announced through email or a notice on our website.

We encourage you to review this policy occasionally, especially before sharing sensitive information. Continuing to use our services after changes means you accept the updated terms.

International Data Transfers

Most of your information stays within Australia, but some service providers operate globally. When data leaves Australia, we ensure the receiving country has adequate privacy protections or we implement contractual safeguards.

For example, if we use a cloud service with servers in multiple countries, we verify they comply with Australian privacy standards through certification or binding agreements. You're entitled to know where your data is stored – just ask.